Calier et Cie
ActiveCalier et Cie has been active since 1956 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-21k) and a net result of €13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 1043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-2
Solvency17▲+5
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.39 against 0.27 in 2024; short-term debt: 86.1% and cash: 18.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-8.4%
Return on assets
5.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 1043 sector peers (2025).
NBB · sector comparisonPosition among 1043 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
10 d late
2024
14 d early
2023
14 d late
2022
32 d late
2021
6 d early
2020
13 d late
2019
2 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
€-21k▲ 38.1%
2024 · €-34k
2018: €20k
2019: €239k
2020: €103k
2021: €815
2022: €-31k
2023: €-53k
2024: €-34k
2018 → 2025
Total assets
€249k▼ 8.0%
2024 · €271k
2018: €253k
2019: €478k
2020: €406k
2021: €319k
2022: €308k
2023: €286k
2024: €271k
2018 → 2025
Net result
€13k▼ 30.5%
2024 · €19k
2018: €-33k
2019: €219k
2020: €-136k
2021: €-102k
2022: €-32k
2023: €-21k
2024: €19k
2018 → 2025
Working capital
€-132k▲ 16.3%
2024 · €-158k
2018: €-186k
2019: €235k
2020: €-68k
2021: €-152k
2022: €-181k
2023: €-188k
2024: €-158k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€815-€-31k€-53k▼ 69.1%€-34k▲ 35.4%€-21k▲ 38.1%
Operating result€-104k-€-35k▲ 66.2%€-25k▲ 30.2%€19k€9k▼ 51.0%
Net result€-102k-€-32k▲ 68.7%€-21k▲ 32.6%€19k€13k▼ 30.5%
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 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€167k▼ 21.2%
Current assets
€83k▲ 39.1%
Key figures and ratios
EBITDA
€60k▼
2024 · €71k
Cash flow
€64k▼
2024 · €71k
Solvency
-8.4%▲
2024 · -12.5%
Current ratio
0.39▲
2024 · 0.27
Quick ratio
0.39▲
2024 · 0.27
Debt / equity
-11.48▼
2024 · -7.84
ROA
5.2%▼
2024 · 6.9%
Interest coverage
11.00▲
2024 · 7.96
Debt
€242k▼
2024 · €266k
Debt ≤ 1 year
€215k▼
2024 · €217k
Debt > 1 year
€27k▼
2024 · €49k
Income taxes
€359▼
2024 · €748
Staff costs
€319k▲
2024 · €288k
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€271k€249k▼
Fixed assets21/28€211k€167k▼
Tangible fixed assets22/27€210k€165k▼
Plant, machinery and equipment23€49k€34k▼
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€154k€128k▼
Financial fixed assets28€2k€2k=
Current assets29/58€60k€83k▲
Amounts receivable within one year40/41€26k€22k▼
Trade receivables40€21k€18k▼
Other amounts receivable41€4k€4k▲
Current investments50/53€1€1=
Cash at bank and in hand54/58€27k€47k▲
Deferred charges and accrued income490/1€7k€14k▲
Equity and liabilities
Total equity and liabilities10/49€271k€249k▼
Equity10/15€-34k€-21k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€187k€164k▼
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€105k€82k▼
Distributable reserves133€81k€81k=
Profit (loss) carried forward14€-240k€-204k▲
Provisions and deferred taxes16€38k€29k▼
Deferred taxes168€38k€29k▼
Amounts payable17/49€266k€242k▼
Amounts payable after more than one year17€49k€27k▼
Financial debts170/4€49k€27k▼
Amounts payable within one year42/48€217k€215k▼
Current portion of amounts payable after more than one year42€29k€31k▲
Trade debts44€13k€35k▲
Suppliers440/4€13k€35k▲
Taxes, remuneration and social security45€68k€78k▲
Taxes450/3€14k€18k▲
Remuneration and social security454/9€54k€61k▲
Other amounts payable47/48€107k€70k▼
Income statement
Code20242025
Remuneration, social security and pensions62€288k€319k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€51k▼
Other operating charges640/8€5k€8k▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€364k€392k▲
Operating profit (loss)9901€19k€9k▼
Financial income75/76B€40-
Recurring financial income75€40-
Financial charges65/66B€9k€5k▼
Recurring financial charges65€9k€5k▼
Profit (loss) for the period before taxes9903€10k€4k▼
Transfer from deferred taxes780€10k€10k=
Income taxes67/77€748€359▼
Profit (loss) for the period9904€19k€13k▼
Transfer from tax-exempt reserves789€23k€23k=
Profit (loss) for the period to be appropriated9905€41k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-240k€-204k▲
Profit (loss) brought forward from the previous period14P€-281k€-240k▲
The notes to these accounts (10 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 10 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after 4 loss-making years.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Weakest financial yearnet €-136k ▼162%
Net result drops to €-136k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €219k
Net result €219k after one loss-making year.
31-12
Financial
Liquidity times 18current ratio 3.58
Current ratio from 0.20 to 3.58; short-term debt falls from €231k to €91k.
31-12
Financial
Equity above €200kEq €239k ▲1124%
Equity rises from €20k to €239k.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-05
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.
Directors · office · real estate
Directors
3 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, Merchtem · 4 establishment units since 1997
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.
Stoofstraat 411785 MerchtemGround area
6,980 m²
Building footprint
1,429 m²
Volume, LiDAR
16,107 m³
4 parcels, Brussels, Flanders · tallest building 36.9 m, ±7 floors. Linked by address, not a title deed.
4 establishment units
O'PURO
since 19972.153.482.152
O'PURO
since 20052.146.090.950
O'PURO
since 20172.300.863.259
O'PURO
since 20182.300.863.754
4 parcels
Flanders
2
(50%)
Brussels
2
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372B0284/00S003 | Brussels | 4,538 m² | 1 · 516 m² | 36.9 m · 7 fl. |
| 21805E0439/00X003 | Brussels | 1,030 m² | - | - |
| 23602H0107/00Y002 | Flanders | 889 m² | 1 · 722 m² | 5.5 m · 2 fl. |
| 23402E0190/00W027 | Flanders | 523 m² | 1 · 191 m² | 11.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 2 entries · 2,925 EUR awarded · 2,925 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 2 | 2,925 EUR | 2,925 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
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Of 429 companies in sector 96101 we hold annual accounts for 254. 17 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-02-1956
Fiscal year end31-12
Activities, NACEBEL
93011
96101Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 49 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.