Caldri is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €70k and a net result of €30k. Equity is growing by ~34.2% per year across the filed fiscal years. Its solvency ranks better than 7% of 5523 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 5523 sector peers (2025).
NBB · sector comparisonPosition among 5523 sector peers
Solvency
better than 7%
← weakest
strongest →
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 08-04-2026, 114 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
114 d early
2024
163 d early
2023
1 d early
2022
83 d early
2021
89 d early
2020
17 d late
2019
29 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€70k▼ 70.7%
2024 · €240k
2018: €59k
2019: €62k
2020: €79k
2021: €89k
2022: €178k
2023: €206k
2024: €240k
2018 → 2025
Net result
€30k▼ 13.9%
2024 · €35k
2018: €23k
2019: €3k
2020: €16k
2021: €10k
2022: €89k
2023: €16k
2024: €35k
2018 → 2025
Total assets
€3.36M▲ 2.1%
2024 · €3.30M
2018: €67k
2019: €69k
2020: €1.34M
2021: €2.06M
2022: €2.30M
2023: €2.79M
2024: €3.30M
2018 → 2025
Solvency
2.1%▼ 5.2pp
2024 · 7.3%
2018: 88.2%
2019: 90.7%
2020: 5.9%
2021: 4.3%
2022: 7.7%
2023: 7.4%
2024: 7.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€178k▲ 99.6%€206k▲ 15.8%€240k▲ 16.9%€70k▼ 70.7%
Operating result€41k-€153k▲ 274%€105k▼ 31.0%€193k▲ 82.7%€149k▼ 22.7%
Net result€10k-€89k▲ 762%€16k▼ 82.4%€35k▲ 123%€30k▼ 13.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.36M
Fixed assets
€13k▲ 10.7%
Current assets
€3.35M▲ 2.0%
Equity and liabilities €3.36M
Equity
€70k▼ 70.7%
Debt
€3.29M▲ 7.8%
The debt ratio rises from 92.7% to 97.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
2.1%▼
2024 · 7.3%
ROE
42.6%▲
2024 · 14.5%
ROA
0.9%▼
2024 · 1.1%
Debt
€3.29M▲
2024 · €3.05M
Debt ≤ 1 year
€3.29M▲
2024 · €3.05M
Income taxes
€12k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.30M€3.36M▲
Fixed assets21/28€11k€13k▲
Tangible fixed assets22/27€11k€13k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€8k€11k▲
Current assets29/58€3.28M€3.35M▲
Stocks and contracts in progress3€3.23M€3.30M▲
Stocks30/36€3.23M€3.30M▲
Amounts receivable within one year40/41€25k€38k▲
Trade receivables40€25k€35k▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€18k€6k▼
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€3.30M€3.36M▲
Equity10/15€240k€70k▼
Contributions10/11€19k€19k=
Reserves13€222k€52k▼
Distributable reserves133€222k€52k▼
Amounts payable17/49€3.05M€3.29M▲
Amounts payable within one year42/48€3.05M€3.29M▲
Financial debts43€2.87M€2.87M=
Credit institutions430/8€2.87M€2.87M=
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€20k€12k▼
Taxes450/3€15k€7k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€160k€409k▲
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€7k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€205k€158k▼
Operating profit (loss)9901€193k€149k▼
Financial income75/76B-€6
Recurring financial income75-€6
Financial charges65/66B€142k€107k▼
Recurring financial charges65€142k€107k▼
Profit (loss) for the period before taxes9903€51k€42k▼
Income taxes67/77€16k€12k▼
Profit (loss) for the period9904€35k€30k▼
Profit (loss) for the period to be appropriated9905€35k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€30k▼
Transfer from equity791/2-€200k
Transfer to equity691/2€35k€30k▼
To other reserves6921€35k€30k▼
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €206k ▲15.8%
6 profitable years in a row build equity to €206k.
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €89k ▲762%
Net result €89k, the highest in the series.
31-12
Financial
Equity above €150kEq €178k ▲99.6%
5 profitable years in a row build equity to €178k.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €3k ▼85.4%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2014
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Havermarkt 353500 HasseltGround area
949 m²
Building footprint
738 m²
Volume, LiDAR
9,042 m³
Parcel 71022H1009/00L000, Flanders · tallest building 35.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Caldri
since 20142.231.690.183
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H1009/00L000 | Flanders | 949 m² | 1 · 738 m² | 35.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 945 EUR awarded · 945 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 945 EUR | 945 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 11,410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
41001General construction of residential buildings
68121Development of residential building projects
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.