Calis Bram
ActiveCalis Bram has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €12k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 57% of 7376 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+2
Solvency75▲+2
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 2.03 in 2024; short-term debt: 22.4% and cash: 14.7% of total assets), and 49.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
50.3%
Return on assets
9.2%
Age of the figures
9 mo
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
59 d early
2023
61 d early
2022
62 d early
2021
60 d early
2020
58 d early
2019
60 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▼ 20.6%
2024 · €80k
2018: €67k
2019: €73k
2020: €77k
2021: €60k
2022: €69k
2023: €72k
2024: €80k
2018 → 2025
Total assets
€126k▼ 24.2%
2024 · €166k
2018: €128k
2019: €131k
2020: €121k
2021: €93k
2022: €109k
2023: €148k
2024: €166k
2018 → 2025
Net result
€12k▼ 2.7%
2024 · €12k
2018: €4k
2019: €6k
2020: €4k
2021: €6k
2022: €12k
2023: €10k
2024: €12k
2018 → 2025
Working capital
€24k▼ 31.8%
2024 · €36k
2018: €31k
2019: €26k
2020: €28k
2021: €25k
2022: €31k
2023: €31k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€69k▲ 15.7%€72k▲ 3.9%€80k▲ 10.8%€63k▼ 20.6%
Operating result€5k-€16k▲ 218%€14k▼ 12.6%€19k▲ 35.0%€17k▼ 8.2%
Net result€6k-€12k▲ 87.6%€10k▼ 16.1%€12k▲ 20.6%€12k▼ 2.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€73k▼ 23.4%
Current assets
€53k▼ 25.3%
Equity and liabilities €126k
Equity
€63k▼ 20.6%
Debt
€63k▼ 27.6%
The debt ratio falls from 52.0% to 49.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€46k▼
2024 · €69k
Cash flow
€41k▼
2024 · €62k
Solvency
50.3%▲
2024 · 48.0%
Current ratio
1.86▼
2024 · 2.03
Quick ratio
1.72▼
2024 · 1.89
Debt / equity
0.99▼
2024 · 1.08
ROE
18.3%▲
2024 · 15.0%
ROA
9.2%▲
2024 · 7.2%
Interest coverage
18.29▼
2024 · 25.43
Debt
€63k▼
2024 · €86k
Debt ≤ 1 year
€28k▼
2024 · €35k
Debt > 1 year
€34k▼
2024 · €52k
Income taxes
€5k▼
2024 · €5k
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€166k€126k▼
Formation expenses20€551€367▼
Fixed assets21/28€95k€73k▼
Tangible fixed assets22/27€95k€73k▼
Plant, machinery and equipment23€25k€20k▼
Furniture and vehicles24€70k€53k▼
Financial fixed assets28€350€350=
Current assets29/58€70k€53k▼
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€52k€27k▼
Trade receivables40€22k€14k▼
Other amounts receivable41€30k€13k▼
Cash at bank and in hand54/58€11k€19k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€166k€126k▼
Equity10/15€80k€63k▼
Contributions10/11€19k€19k=
Reserves13€52k€35k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€50k€33k▼
Profit (loss) carried forward14€9k€9k=
Amounts payable17/49€86k€63k▼
Amounts payable after more than one year17€52k€34k▼
Financial debts170/4€52k€34k▼
Amounts payable within one year42/48€35k€28k▼
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€11k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€29k▼
Other operating charges640/8€2k€484▼
Gross operating margin9900€71k€47k▼
Operating profit (loss)9901€19k€17k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€17k€17k▼
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€12k€12k▼
Profit (loss) for the period to be appropriated9905€12k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€21k▼
Profit (loss) brought forward from the previous period14P€9k€9k=
Transfer from equity791/2€4k€28k▲
Transfer to equity691/2€12k€12k▼
To other reserves6921€12k€12k▼
Profit to be distributed694/7€4k€28k▲
Directors or managers695€4k€28k▲
The notes to these accounts (8 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €12k ▲20.6%
Operating result €19k, net result €12k, both a record.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €4k ▼35.3%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Pajottegem · 1 establishment unit since 2012
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.
Vollezelestraat 161755 PajottegemGround area
518 m²
Building footprint
144 m²
Volume, LiDAR
781 m³
Parcel 23058A0461/00N000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Calis Bram
since 20122.207.131.961
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23058A0461/00N000 | Flanders | 518 m² | 1 · 144 m² | 7.8 m · 2 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.
Similar companies · same sector, comparable size
ADREBO CONSTRUCT
BE 0765.447.586
Lokeren · Eq €63k
DUAL EXPERT
BE 0759.415.869
Jette · Eq €63k
CSJ-Bouw
BE 0699.739.984
Heusden-Zolder · Eq €63k
F.D.S. CONCEPT
BE 0719.804.930
Châtelet · Eq €63k
VL CONCEPT
BE 0463.713.844
Sint-Genesius-Rode · Eq €63k
Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 13,192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2012
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.