Financials
- Fiscal year
- 2025
- Total assets
- €770,305
- Profit
- €37,573
- Solvency
- 89.1%
Total assets▲ 0.4%
Net result
20182025
CALAY RAPHAEL
ActiveSummary
CALAY RAPHAEL has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €686,147 and a net result of €37,573. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 94% of 8061 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
What they do
Bricklaying and masonry work
NACE 43910Joinery installation NACE 43320NACE 43994
1 site
How big
€770,305total assets 2025
- Staff
- 3 FTE
- Equity
- €686,147
- Profit
- €37,573
Who decides
Accounts 8 d early0 of 5 deeds read
Why 82- Higher-failure-rate sector- Higher-failure-rate region+ Annual accounts: healthy financial profile+ Long track recordLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+8
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 5.54 against 3.73 in 2024; short-term debt: 10.9% and cash: 26.2% of total assets), and 10.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
89.1%
Return on assets
4.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
41 d early
2023
30 d late
2022
31 d early
2021
30 d late
2020
44 d early
2019
11 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 23 July (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Back to profitnet €37,573
- Annual accounts filedfiscal year 2024 · full…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2016
- Next accounts
- by 31-07-2027
- 23-07-2026Annual accounts filed
- 31-12-2025Back to profit
- 20-06-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Bricklaying and masonry workNACE 43910
- Founded
- 09-01-2012
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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