Calita
ActiveCalita has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €10k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 22% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-15
Solvency39▼-34
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.87 against 3.95 in 2024; short-term debt: 46.1% and cash: 22.8% of total assets), and 86% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
14%
Return on assets
3%
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 22% of 7723 sector peers (2025).
NBB · sector comparisonPosition among 7723 sector peers
Solvency
better than 22%
← 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 27-08-2026, 27 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 · 9 filingsDeviation from the deadline
2025
27 d late
2024
26 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 73.5%
2024 · €177k
2018: €77k
2019: €69k
2020: €108k
2021: €122k
2022: €146k
2023: €162k
2024: €177k
2018 → 2025
Total assets
€336k▼ 8.2%
2024 · €366k
2018: €397k
2019: €370k
2020: €407k
2021: €397k
2022: €392k
2023: €375k
2024: €366k
2018 → 2025
Net result
€10k▼ 31.2%
2024 · €15k
2018: €1k
2019: €-8k
2020: €40k
2021: €14k
2022: €24k
2023: €16k
2024: €15k
2018 → 2025
Working capital
€-20k
2024 · €117k
2018: €64k
2019: €47k
2020: €78k
2021: €87k
2022: €103k
2023: €105k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€146k▲ 19.3%€162k▲ 11.2%€177k▲ 9.1%€47k▼ 73.5%
Operating result€26k-€39k▲ 47.9%€28k▼ 29.0%€26k▼ 6.2%€13k▼ 50.7%
Net result€14k-€24k▲ 71.0%€16k▼ 30.7%€15k▼ 10.0%€10k▼ 31.2%
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 three years in a row; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €336k
Fixed assets
€201k▼ 3.6%
Current assets
€135k▼ 14.3%
Equity and liabilities €336k
Equity
€47k▼ 73.5%
Debt
€289k▲ 52.9%
The debt ratio rises from 51.7% to 86.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€20k▼
2024 · €33k
Cash flow
€18k▼
2024 · €22k
Solvency
14.0%▼
2024 · 48.3%
Current ratio
0.87▼
2024 · 3.95
Quick ratio
0.87▼
2024 · 3.95
Debt / equity
6.16▲
2024 · 1.07
ROE
21.6%▲
2024 · 8.3%
ROA
3.0%▼
2024 · 4.0%
Interest coverage
4.41▼
2024 · 6.10
Debt
€289k▲
2024 · €189k
Debt ≤ 1 year
€155k▲
2024 · €40k
Debt > 1 year
€131k▼
2024 · €146k
Income taxes
€5k▲
2024 · €4k
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€366k€336k▼
Fixed assets21/28€209k€201k▼
Tangible fixed assets22/27€209k€201k▼
Land and buildings22€204k€198k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€0-
Current assets29/58€157k€135k▼
Amounts receivable within one year40/41€26k€50k▲
Trade receivables40€20k€47k▲
Other amounts receivable41€6k€3k▼
Cash at bank and in hand54/58€131k€77k▼
Deferred charges and accrued income490/1€0€8k▲
Equity and liabilities
Total equity and liabilities10/49€366k€336k▼
Equity10/15€177k€47k▼
Contributions10/11€30k€30k=
Reserves13€132k€7k▼
Non-distributable reserves130/1€3k€0▼
Reserves not available under the articles1311€3k€0▼
Distributable reserves133€129k€7k▼
Profit (loss) carried forward14€15k€10k▼
Amounts payable17/49€189k€289k▲
Amounts payable after more than one year17€146k€131k▼
Financial debts170/4€146k€131k▼
Amounts payable within one year42/48€40k€155k▲
Current portion of amounts payable after more than one year42€15k€15k=
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€0€44▲
Taxes450/3€0€44▲
Other amounts payable47/48€23k€136k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€35k€22k▼
Operating profit (loss)9901€26k€13k▼
Financial income75/76B-€7k
Recurring financial income75-€7k
Financial charges65/66B€7k€5k▼
Recurring financial charges65€5k€5k▼
Non-recurring financial charges66B€2k€0▼
Profit (loss) for the period before taxes9903€19k€15k▼
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€15k€10k▼
Profit (loss) for the period to be appropriated9905€15k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€25k▼
Profit (loss) brought forward from the previous period14P€16k€15k▼
Transfer from equity791/2-€140k
Transfer to equity691/2€16k€15k▼
To other reserves6921€16k€15k▼
Profit to be distributed694/7-€140k
Return on contributions (dividend)694-€140k
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €150kEq €162k ▲11.2%
4 profitable years in a row build equity to €162k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
31-12
Financial
Equity above €100kEq €108k ▲57.7%
Equity rises from €69k to €108k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-8k ▼654%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Geel
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.
Nederlandlaan 142440 GeelGround area
1,757 m²
Building footprint
273 m²
Volume, LiDAR
1,357 m³
Parcel 13372A0955/00S024, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13372A0955/00S024 | Flanders | 1,757 m² | 1 · 273 m² | 7.7 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.
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 6,868 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2016
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.