Callaerts.com
ActiveCallaerts.com has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195k and a net result of €35k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 9438 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+9
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 5.84 against 6.42 in 2024; short-term debt: 13.6% and cash: 28% of total assets), and 15.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Sector 71
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
84.3%
Return on assets
15.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-09-2026, 44 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 · 8 filingsDeviation from the deadline
2025
44 d late
2024
58 d late
2022
31 d late
2021
6 d late
2020
4 d late
2019
35 d late
2018
16 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€195k▼ 25.0%
2024 · €260k
2018: €85k
2019: €108k
2020: €155k
2021: €155k
2022: €179k
2024: €260k
2018 → 2025
Total assets
€231k▼ 25.8%
2024 · €311k
2018: €96k
2019: €113k
2020: €163k
2021: €159k
2022: €182k
2024: €311k
2018 → 2025
Net result
€35k▲ 35.0%
2024 · €26k
2018: €48k
2019: €23k
2020: €47k
2021: €219
2022: €23k
2024: €26k
2018 → 2025
Working capital
€152k▼ 28.1%
2024 · €212k
2018: €84k
2019: €107k
2020: €154k
2021: €154k
2022: €162k
2024: €212k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€155k-€155k▲ 0.1%€179k▲ 15.1%€260k▲ 45.4%€195k▼ 25.0%
Operating result€54k-€882▼ 98.4%€32k▲ 3,580%€34k▲ 6.0%€45k▲ 31.6%
Net result€47k-€219▼ 99.5%€23k▲ 10,610%€26k▲ 10.4%€35k▲ 35.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€47k▼ 22.1%
Current assets
€184k▼ 26.7%
Equity and liabilities €231k
Equity
€195k▼ 25.0%
Debt
€36k▼ 29.8%
The debt ratio falls from 16.6% to 15.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€59k▲
2024 · €47k
Cash flow
€48k▲
2024 · €39k
Solvency
84.3%▲
2024 · 83.4%
Current ratio
5.84▼
2024 · 6.42
Quick ratio
5.84▼
2024 · 6.42
Debt / equity
0.19▼
2024 · 0.20
ROE
17.9%▲
2024 · 10.0%
ROA
15.1%▲
2024 · 8.3%
Interest coverage
52.29▲
2024 · 35.44
Debt
€36k▼
2024 · €52k
Debt ≤ 1 year
€31k▼
2024 · €39k
Debt > 1 year
€5k▼
2024 · €13k
Income taxes
€11k▲
2024 · €10k
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€311k€231k▼
Fixed assets21/28€60k€47k▼
Tangible fixed assets22/27€60k€47k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€57k€44k▼
Current assets29/58€251k€184k▼
Amounts receivable within one year40/41€182k€119k▼
Trade receivables40€27k€17k▼
Other amounts receivable41€155k€102k▼
Cash at bank and in hand54/58€69k€65k▼
Equity and liabilities
Total equity and liabilities10/49€311k€231k▼
Equity10/15€260k€195k▼
Contributions10/11€6k€6k=
Reserves13€253k€188k▼
Distributable reserves133€253k€188k▼
Profit (loss) carried forward14€219-
Amounts payable17/49€52k€36k▼
Amounts payable after more than one year17€13k€5k▼
Financial debts170/4€13k€5k▼
Amounts payable within one year42/48€39k€31k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€27k€1k▼
Taxes450/3€27k€421▼
Remuneration and social security454/9-€932
Other amounts payable47/48-€15k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€542€886▲
Gross operating margin9900€48k€59k▲
Operating profit (loss)9901€34k€45k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€36k€46k▲
Income taxes67/77€10k€11k▲
Profit (loss) for the period9904€26k€35k▲
Profit (loss) for the period to be appropriated9905€26k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€35k▲
Profit (loss) brought forward from the previous period14P€219€219=
Transfer from equity791/2-€100k
Transfer to equity691/2€26k€35k▲
To other reserves6921€26k€35k▲
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (5 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
13-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 44 days late
2025
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
31-12
Financial
Equity above €200kEq €260k ▲45.4%
6 profitable years in a row build equity to €260k.
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
06-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 6 days late
2021
31-12
Financial
Weakest financial yearnet €219 ▼99.5%
Net result drops to €219, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 43.39
Current ratio from 19.72 to 43.39; short-term debt falls from €8k to €4k.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Equity above €150kEq €155k ▲43.5%
3 profitable years in a row build equity to €155k.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 23.20
Current ratio from 8.56 to 23.20; short-term debt falls from €11k to €5k.
31-12
Financial
Equity above €100kEq €108k ▲27.2%
2 profitable years in a row build equity to €108k.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Geel · 1 establishment unit since 2016
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.
Lebonstraat 1282440 GeelGround area
476 m²
Building footprint
194 m²
Volume, LiDAR
492 m³
Parcel 13376G0852/00P003, Flanders · tallest building 8.9 m. Linked by address, not a title deed.
1 establishment unit
Callaerts.com
since 20162.259.295.492
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13376G0852/00P003 | Flanders | 476 m² | 1 · 194 m² | 8.9 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,374 EUR awarded · 1,374 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 312 EUR | 312 EUR |
| 2024 | 1 | 291 EUR | 291 EUR |
| 2023 | 1 | 270 EUR | 270 EUR |
| 2022 | 1 | 501 EUR | 501 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
ATELIER D'ARCHITECTURE MEUNIER-WESTRADE
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ABANA NOE
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,159 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2016
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
14130Manufacture of wearing apparel
14210Manufacture of outerwear
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47521Retail sale of hardware, building materials, paint and glass (general range)
71121Engineering and related technical consultancy, excluding land surveyors
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.