caleb.be
ActiveSummary
caleb.be has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €432k and a net result of €63k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 91% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 13.59 against 12.44 in 2024; short-term debt: 7.3% and cash: 73.7% of total assets), and 7.3% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer 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
92.7%
Return on assets
13.5%
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
21 d early
2023
21 d early
2022
35 d early
2021
41 d early
2020
103 d early
2019
120 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€432k▼ 3.2%
2024 · €446k
Total assets
€466k▼ 4.5%
2024 · €488k
Net result
€63k▼ 4.7%
2024 · €66k
Working capital
€429k▼ 2.9%
2024 · €442k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€79k▼ 0.1%€79k▲ 0.7%€92k▲ 16.0%€73k▼ 20.2%€69k▼ 6.0%
Net result€63k▲ 2.5%€65k▲ 3.3%€113k▲ 73.9%€66k▼ 41.9%€63k▼ 4.7%
Equity€287k▲ 8.1%€352k▲ 22.7%€429k▲ 21.9%€446k▲ 4.0%€432k▼ 3.2%
Total assets€306k▲ 8.8%€375k▲ 22.7%€451k▲ 20.1%€488k▲ 8.3%€466k▼ 4.5%
Debt€19k▲ 20.7%€23k▲ 22.0%€22k▼ 6.6%€42k▲ 94.5%€34k▼ 18.5%
Working capital€277k▲ 10.3%€343k▲ 23.6%€418k▲ 22.0%€442k▲ 5.7%€429k▼ 2.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 6% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€3k ▼ 60.2%
Current assets
€463k ▼ 3.6%
Equity and liabilities €466k
Equity
€432k ▼ 3.2%
Debt
€34k ▼ 18.5%
Debt's share of the balance-sheet total falls from 8.6% to 7.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€73k▼
2024 · €78k
Cash flow
€67k▼
2024 · €70k
Current ratio
13.59▲
2024 · 12.44
Debt to equity
0.08▼
2024 · 0.09
ROE
14.5%▼
2024 · 14.8%
ROA
13.5%▼
2024 · 13.5%
Interest coverage
14.98▼
2024 · 158.57
Debt ≤ 1 year
€34k▼
2024 · €39k
Income taxes
€23k▼
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €3k | €4k | €4k | €5k | ▲ 3.1% |
| Other operating charges640/8 | €798 | €531 | €657 | €450 | €652 | ▲ 44.8% |
| Non-recurring operating charges66A | - | €181 | €460 | €347 | €0 | ▼ 100% |
| Gross operating margin9900 | €84k | €83k | €97k | €78k | €74k | ▼ 5.6% |
| Operating profit (loss)9901 | €79k | €79k | €92k | €73k | €69k | ▼ 6.0% |
| Financial income75/76B | €8k | €10k | €54k | €17k | €21k | ▲ 22.7% |
| Recurring financial income75 | €8k | €10k | €54k | €17k | €21k | ▲ 22.7% |
| Financial charges65/66B | €118 | €154 | €133 | €489 | €5k | ▲ 901% |
| Recurring financial charges65 | €118 | €154 | €133 | €489 | €5k | ▲ 901% |
| Profit (loss) for the period before taxes9903 | €87k | €89k | €145k | €90k | €85k | ▼ 5.3% |
| Income taxes67/77 | €24k | €24k | €32k | €24k | €23k | ▼ 7.0% |
| Profit (loss) for the period9904 | €63k | €65k | €113k | €66k | €63k | ▼ 4.7% |
| Profit (loss) for the period to be appropriated9905 | €63k | €65k | €113k | €66k | €63k | ▼ 4.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €306k | €375k | €451k | €488k | €466k | ▼ 4.5% |
| Fixed assets21/28 | €10k | €10k | €11k | €7k | €3k | ▼ 60.2% |
| Tangible fixed assets22/27 | €10k | €10k | €11k | €7k | €3k | ▼ 60.2% |
| Plant, machinery and equipment23 | €181 | €2k | €2k | €1k | €1k | ▼ 13.7% |
| Furniture and vehicles24 | €10k | €8k | €10k | €6k | €2k | ▼ 70.5% |
| Current assets29/58 | €296k | €366k | €440k | €481k | €463k | ▼ 3.6% |
| Amounts receivable within one year40/41 | €16k | €20k | €24k | €33k | €16k | ▼ 52.3% |
| Trade receivables40 | €16k | €20k | €22k | €29k | €16k | ▼ 47.1% |
| Other amounts receivable41 | €115 | €0 | €2k | €3k | €18 | ▼ 99.5% |
| Current investments50/53 | €199k | €258k | €168k | €50k | €100k | ▲ 100% |
| Cash at bank and in hand54/58 | €80k | €85k | €244k | €391k | €344k | ▼ 12.1% |
| Deferred charges and accrued income490/1 | €680 | €3k | €3k | €7k | €4k | ▼ 43.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €306k | €375k | €451k | €488k | €466k | ▼ 4.5% |
| Equity10/15 | €287k | €352k | €429k | €446k | €432k | ▼ 3.2% |
| Contributions10/11 | €20k | €20k | €12k | €12k | €1 | ▼ 100.0% |
| Reserves13 | €267k | €332k | €417k | €434k | €432k | ▼ 0.5% |
| Non-distributable reserves130/1 | €2k | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €0 | - | - | - | - |
| Distributable reserves133 | €265k | €332k | €417k | €434k | €432k | ▼ 0.5% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €19k | €23k | €22k | €42k | €34k | ▼ 18.5% |
| Amounts payable within one year42/48 | €19k | €23k | €22k | €39k | €34k | ▼ 11.8% |
| Financial debts43 | €585 | €298 | €0 | €210 | €269 | ▲ 28.2% |
| Credit institutions430/8 | €585 | €298 | €0 | - | - | - |
| Other loans439 | - | - | - | €210 | €269 | ▲ 28.2% |
| Trade debts44 | €738 | €3k | €4k | €8k | €5k | ▼ 40.9% |
| Suppliers440/4 | €738 | €3k | €4k | €8k | €5k | ▼ 40.9% |
| Taxes, remuneration and social security45 | €15k | €18k | €18k | €27k | €19k | ▼ 30.5% |
| Taxes450/3 | €15k | €18k | €18k | €27k | €19k | ▼ 30.5% |
| Remuneration and social security454/9 | €0 | - | - | - | - | - |
| Other amounts payable47/48 | €3k | €2k | €0 | €3k | €10k | ▲ 243% |
| Accrued charges and deferred income492/3 | - | - | - | €3k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €63k | €65k | €113k | €66k | €63k | ▼ 4.7% |
| + Depreciation and write-downs630 | €4k | €3k | €4k | €4k | €5k | ▲ 3.1% |
| Operating cash flow (approximation) | €68k | €69k | €118k | €70k | €67k | ▼ 4.2% |
| Investment in fixed assets (approximation) | - | €-3k | €-6k | €-625 | €0 | ▲ 100% |
| Change in cash | - | €4k | €159k | €147k | €-47k | ▼ 132% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €113k ▲73.9%
Operating result €92k, net result €113k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 17.07
Current ratio from 4.23 to 17.07; short-term debt falls from €62k to €16k.
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €47k ▼3.2%
Net result drops to €47k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €204k ▲10.8%
2 profitable years in a row build equity to €204k.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Deinze · 1 establishment unit since 2010
Ground area
738 m²
Building footprint
116 m²
Volume, LiDAR
811 m³
Parcel 44054A0548/00F000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
caleb.be
since 20102.187.923.684
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44054A0548/00F000 | Flanders | 738 m² | 1 · 116 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
967600CQCD40SJMATL31
Similar companies · same sector, comparable size
International Network of Insurance
BE 0848.530.066
Schaarbeek · Eq €432,211
BELSINESA
BE 0806.345.954
Lille · Eq €432,414
WinitT
BE 0781.960.154
Ath · Eq €431,983
OPEN VIZION
BE 0477.161.509
Beernem · Eq €431,926
Appoint
BE 0676.765.436
Genk · Eq €432,564
Of 30,002 companies in sector 62200 we hold annual accounts for 18,394. 12,572 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-05-2010
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.