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CaleVets

Active Private limited companyfounded 2022active for 4 yearsAlsembergsesteenweg 1029 A, 1180 UccleKBO/BCE: BE 0782.587.189

Overview

Lifetime

4 annual accounts with figures on one time axis
peak €86,057 (2025)
€86,057▲ 65.1%
lowest -€15,158 (2023)
€1,232▲ €6,668
peak €33,308 (2022)
€13,946▲ 9.7%
€258,085▼ 19.1%
Board2 names since 2022
2 directorsTERWAGNE Arnaud and 1 other
Documentsfilings and deeds
24-08-202624 days late
2025micro format
Gross margin from €52,138 to €86,057Back to profit: €1,232Debts from €318,898 to €258,085Cash from €21,995 to €3,240

Key points

from the 2025 annual accounts

Turnover

≈ €260,000 estimated

The micro format states no turnover.

Debts

€258,085 95% of the balance sheet
Financial debts 71%Suppliers 0%Taxes and wages 2%Other 27%

Of this, €75,869 falls due within a year.

Filings

4 annual accounts 2 late
AprilJune31 JulyOctober2022202320242025

The 2024 accounts came latest: 59 days after the end of the period.

Board

1 left

A director left. Latest change 14-01-2026 · 1 in office.

Position in the sector

5.1%

Lower solvency than 92% of companies in veterinary activities. Sector median 52.2% · 1,602 companies.

Checked score

82
Excellent
Financially stronger than 22% of micro companies in veterinary activities (NACE 75)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: < 0.1% across 1,971 companies (NACE 75, micro).

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.2% 01-2025: 0.2%● unchanged vs 12-2024lowest value 02-2025: 0.2%● unchanged vs 01-2025lowest value 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.3%▲ +0.1 percentage points vs 06-2025 08-2025: 0.4%▲ +0.1 percentage points vs 07-2025 09-2025: 0.6%▲ +0.2 percentage points vs 08-2025highest value 10-2025: 0.3%▼ -0.3 percentage points vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.6%▲ +0.3 percentage points vs 07-2026 09-2026: 0.3%▼ -0.3 percentage points vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026 11-2026: 0.3%● unchanged vs 10-2026

Financial strength
Average

30+1equity 5.1% of total assets
40-1short-term debt 27.9% · cash 1.2%
69+2return on assets 0.5%

Score breakdown

raises risk
Liquidity: current ratio 0.06, cash €3,240, halved
Last filed accounts filed 24 days late; 1 of the last 3 accounts late
lowers risk
Sector: Veterinary activities (NACE 75)
Size: total assets €272,030
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 75, micro). It does better than 10% of them on solvency, 14% on liquidity, 18% on profitability and 47% on growth.

The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 2,135 companies had the same profile as CaleVets has now. Each dot stands for 6 companies, two years later.

92.0%
were still trading
2.3%
stopped another way
5.2%
went bankrupt
  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet

Another 0.4% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of CaleVets itself is lower: 0.3% within 12 months. It rests on far more data about CaleVets than the profile alone.

Test of the method

The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 2,135 companies, not a prediction for CaleVets. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €1,000 on 30-day terms is acceptable

Liquidity is insufficient, with a current ratio of 0.06 (0.34 in 2024), below 1. Short-term debt is 27.9% and cash 1.2% of total assets. 94.9% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Sector: Veterinary activities (NACE 75)
KBO
lowers risk · Size: total assets €272,030
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.06, cash €3,240, halved
NBB · annual accounts
raises risk · Last filed accounts filed 24 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 1602 sector peers (2025).
NBB · sector comparison
Position among 1602 sector peers
Solvency
better than 8%
← weakest strongest →
raises risk · 2025 accounts filed 24 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filings
Deviation from the deadline
2025
24 days late
2024
59 days late
2023
36 days early
2022
66 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 5 days before the deadline. In the sector (NACE 75), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 July (3 of the last 4 accounts filed within 61 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Board and ownership

TA
Director, since 24-02-2022
  • TERWAGNE Arnaud 50 sharesdeed of 28-02-2022
  • ROBERTS Kim 50 sharesdeed of 28-02-2022
Board & ownership

Recent changes

Resignation: Kim Roberts (director) General meeting of 19-12-2025 · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0782587189
Incorporation Founding capital of €25,000, 100 shares · Founders: TERWAGNE Arnaud and ROBERTS Kim · Appointments: TERWAGNE Arnaud (director) and ROBERTS Kim (director) · published on 28-02-2022 · Gazette deed
First establishment Cale'Vets, Alsembergsesteenweg 1029A, Uccle
All 10 events

Comparable companies

same main activity, similar in size and age
Company
CaleVets Uccle €272,030 €86,057 5.1% -
Centre Vétérinaire Dechamps Anderlecht €277,084 €96,712 17.2% -
MANOSA Sombreffe €258,826 €88,597 2.1% -
MY Veto-Osteo Aywaille €296,018 €95,759 47.5% -
DIERENARTSPRAKTIJK KELLY DENEUT Laarne €290,566 €84,288 42.9% -
DIERENARTSENPRAKTIJK JANSSENS Aalst €279,264 €78,201 48.3% -
Bart Adriaenssen Begijnendijk €268,220 €88,493 18.7% -

These companies have the same main activity as CaleVets: veterinary services (NACE 75000). They are comparable in size and age: total assets between €259,000 and €296,000, founded between 2021 and 2022.

Official details

Source: KBO
Status
Active since 24-02-2022Normal situation
Registered office
10 active companies are registered at this address1 started in the 12 months before. Source: KBO register, as of 10 November 2026.
Activity
Veterinary servicesNACE 75000
Joint committee
336Liberal professions · annual accounts 2023
Establishment unit
2.328.512.1201180 Uccle, since 24-02-2022
Financial year end
31 December
Peppol
Reachable since 06-10-2025
Company details

Annual accounts 2025

€86,057▲ 65.1%
€1,232
€13,946▲ 9.7%
€272,030▼ 18.0%
Filing
Filed on 24-08-2026
Financials

Insights on CaleVets

CaleVets files the micro format. That format states no turnover. The gross margin rose from €27,807 in 2022 to €86,057 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 24-08-2026, 24 days late
€86,057
▲ 65.1%
€4,567
▲ 81.8%
€1,232
▲ €6,668
-€71,162
▲ €10,807
5.1%
▲ 1.3 percentage points
0.06
▼ 0.28

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €260,000. Estimated: probably between €170,000 and €450,000.

Balance sheet

balance sheet total €272,030 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

5.1%

Higher than 8% of 1,602 companies in 2025.

0.06

Lower than 95% of 1,593 companies in 2025.

0.5%

Higher than 11% of 1,598 companies in 2025.

CaleVets Middle half of the sector 80% of the sector Micro accounts in veterinary activities (NACE 75)

Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: middle half · Working capital: bottom quarter

Staff

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022
Balance sheet: assets
20/58 272,030331,612357,596352,449
21/28 267,323288,521307,566285,589
22/27 267,323288,521307,566285,589
22 235,278241,528249,653250,308
23 12,79021,13830,75235,281
24 19,25525,85527,161-
29/58 4,70743,09250,03066,860
3 1,44613,7379,0725,031
30/36 1,44613,7379,0725,031
40/41 -3,74012,92615,154
40 -3,06712,29111,764
41 -6736353,390
54/58 3,24021,99524,66242,044
490/1 213,6203,3694,632
Balance sheet: equity and liabilities
10/49 272,030331,612357,596352,449
10/15 13,94612,71418,15033,308
10/11 25,00025,00025,00025,000
13 8,3088,3088,3088,308
133 8,3088,3088,3088,308
14 -19,362-20,594-15,158-
17/49 258,085318,898339,446319,142
17 182,216192,602202,814212,845
170/4 182,216192,602202,814212,845
42/48 75,869125,061135,914105,767
42 10,96810,21210,0319,873
44 16523,11116,96352,696
440/4 16523,11116,96352,696
45 5,57315,86117,0143,508
450/3 5,5735,4398,6741,761
454/9 -10,4228,3401,747
47/48 59,16275,87791,90639,691
492/3 -1,235717529
Income statement
76A --793-
9900 86,05752,13833,30127,807
62 52,05919,92520,3983,063
630 27,44027,93722,40411,089
640/8 1,9911,7651,562718
9901 4,5672,512-11,06412,936
75/76B --745
75 --745
65/66B 3,3353,9484,0003,803
65 3,3353,9484,0003,803
9903 1,232-1,436-14,9909,138
67/77 -4,000168831
9904 1,232-5,436-15,1588,308
9905 1,232-5,436-15,1588,308
Appropriation of the result
9906 -19,362-20,594-15,1588,308
14P -20,594-15,158--
691/2 ---8,308
6921 ---8,308
Social balance sheet
9087 --1-
Hours worked1013 --1,094-
Document PDFPDFPDFPDF

The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 24-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 24 days after the deadline. Filed on 24 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00420878.

Financial year Type Filed Reference Document
31-12-2025 micro format 24-08-2026 2026-00420878 PDF
31-12-2024 micro format 28-09-2025 2025-00513478 PDF
31-12-2023 micro format 25-06-2024 2024-00164955 PDF
31-12-2022 micro format 26-05-2023 2023-00103267 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022
32,00730,44811,34024,026
28,67222,5007,24719,397
6,2438,89244,381296,678
-18,755-2,667-17,382-
-71,162-81,969-85,884-38,907
5.1%3.8%5.1%9.5%
0.060.340.370.63
0.040.230.300.58
18.5125.0818.709.58
8.8%-42.8%-83.5%24.9%
0.5%-1.6%-4.2%2.4%
9.607.712.836.32

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-2023
Employees at the balance-sheet date1
part-time1
in full-time equivalents0.6
0.6
On a permanent contract1
Joined1
Left1

Source: social balance sheet in the 2023 annual accounts

Securities and guarantees

on own assets and for others
Item2025202420232022
Mortgages, amount registered--€115,000€115,000
--€115,000€115,000
Carrying value of the mortgaged assets--€249,653€250,308

Source: notes to the 2022 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired
Item2025202420232022
Tangible fixed assets€6,243€8,892€44,381€296,678
€27,440€27,937€22,404€11,089

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on CaleVets

The operating result for 2025 is 82% higher than in 2024 and the highest since 2022. It is the second rise in a row, after the fall in 2023.

Debt's share of the balance-sheet total falls from 96.2% to 94.9%. Equity is higher and debt is lower.

Board & ownership

Board

1 director, no change since January 2026
Director (not named in the articles)
since 24-02-2022 term without a fixed end
listed in the 2025 annual accounts, filed on 24-08-2026

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today
TERWAGNE Arnaud
Director (not named in the articles)
Kim Roberts
Director (not named in the articles)
BoardEarlier
Mandates as a list
  • TERWAGNE Arnaud
    • Director (not named in the articles), from 24-02-2022 to date
  • Kim Roberts
    • Director (not named in the articles), from 24-02-2022 to 14-01-2026

See the board, name and registered office on a given date →

Control

This company
CaleVets
Equity €13,946
Profit €1,232 in 2025

Capital

Contribution
€25,000
Shares
100
Contribution per share
€250
Equity per share
€139 in 2025
Source
deed of 28-02-2022

Articles of association

deed of 28-02-2022 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Thursday of May at 18:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

Shareholders

At incorporation deed of 28-02-2022 ↗

Network & group

No group

CaleVets has no parent and no holdings in its annual accounts. TERWAGNE Arnaud is the only director. CaleVets shares no director with another company.

At the same address

Alsembergsesteenweg 1029A, 1180 Uccle · 1 other company
Association des copropriétaires à Uccle chaussee d'alsemberg 1029 A
registered office since 17-04-1998
founded in 1998
0824.707.856

Timeline

Timeline

10 events since 2022

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 24 days late
Resignation: Kim Roberts (director)General meeting of 19-12-20252 points ▸
  • General meeting, 19-12-2025
  • Director resignation, Kim Roberts
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2025
Back to profit net €1,232 The net result is €1,232, after 2 loss-making years.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0782587189
Annual accounts 2024 filed PDFmicro format · 59 days late
2024
Annual accounts 2023 filed PDFmicro format · 36 days before the deadline
2023
Weakest financial year net -€15,158 The net result drops to -€15,158, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 66 days before the deadline
2022
IncorporationFounding capital of €25,000, 100 shares · Founders: TERWAGNE Arnaud and ROBERTS Kim · Appointments: TERWAGNE Arnaud (director) and ROBERTS Kim (director) · published on 28-02-20227 points ▸
  • Founder, TERWAGNE Arnaud
  • Founder, ROBERTS Kim
  • Founding capital, €25,000, 100 shares
  • Registered office clause, Chaussée d'Alsemberg 1029 A, 1180 Uccle
  • Board rule, 2
  • Director appointment, TERWAGNE Arnaud (director (not named in the articles))
  • Director appointment, ROBERTS Kim (director (not named in the articles))
  • The deed holds 4 more points.

Open the deed in the Belgian Official Gazette

First establishment Cale'Vets, Alsembergsesteenweg 1029A, Uccle

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

CaleVets was incorporated on 24 February 2022 as a private limited company by two natural persons, with a starting capital of €25,000.12 Since 2022, TERWAGNE Arnaud has served as director.3 Total assets fell from €352,449 in 2022 to €272,030 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 28-02-2022
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2022 and 2025

Company details

Identity

Enterprise number
0782.587.189
VAT number
BE 0782.587.189
Peppol ID
0208:0782587189
Other Peppol ID
9925:BE0782587189
Legal form
Private limited company
Status
Active, normal situation
Founded
24-02-2022
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Thursday of May at 18:00
deed of 28-02-2022 (in French)
Peppol
Reachable since 06-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
CaleVets in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 28-02-2022 (in French)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région de Bruxelles-Capitale”
deed of 28-02-2022 (in French)

Activities

NACEBEL 2025
VAT activities
75000 Veterinary services main activity
Social security (RSZ) activities
75000 Veterinary services main activity
Joint committees annual accounts 2023
JC 336 Liberal professions
Codes under NACEBEL 2008
VAT activities
75000 Veterinary services main activity
Social security (RSZ) activities
75000 Veterinary services main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Assurer la gestion de structures vétérinaires,en ce compris l’acquisition,la location et l’entretien du matériel et des biens…”
3 activities
  1. Assurer la gestion de structures vétérinaires,en ce compris l’acquisition,la location et l’entretien du matériel et des biens d’équipement,la facturation et la perception d’honoraires,la mise à disposition de tout ce qui est nécessaire à la pratique de la médecine vétérinaire,la guidance zootechnique,la guidance sanitaire et la consultance.
  2. Procéder à toutes recherches et toutes études en rapport avec son objet principal.
  3. S’occuper de la recherche et du développement de techniques scientifiques favorisant un diagnostic précis.
deed of 28-02-2022 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Cale'Vets registered office Alsembergsesteenweg 1029A, 1180 Uccle 24-02-2022 2.328.512.120

Buildings and parcels at the addresses

Ground area
293 m²
Buildings
258 m²
Volume, LiDAR
2,566 m³
Tallest building
16.2 m
Buildings to scale, each on its own parcel
189 m², 13.9 m 70 m², 16.2 m 189 m², 13.9 m 70 m², 16.2 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
21616G0149/00C012201 m² 1 · 189 m² 13.9 m · 3
21616G0149/00Y01093 m² 1 · 70 m² 16.2 m · 5

Contact

E-mail info.calevets@gmail.com
Phone +32 499 61 64 88
E-mail contact@calevets.be establishment in Ukkel
Phone +32 2 880 19 39 establishment in Ukkel