Callant Ruben is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €63k and a net result of €219k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 6156 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 6156 sector peers (2024).
NBB · sector comparisonPosition among 6156 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
on the day
2022
32 d early
2021
31 d early
2020
2 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€63k▼ 72.7%
2023 · €231k
2018: €38k
2019: €31k
2020: €56k
2021: €173k
2022: €246k
2023: €231k
2018 → 2024
Net result
€219k▲ 3.6%
2023 · €211k
2018: €26k
2019: €-14k
2020: €26k
2021: €117k
2022: €226k
2023: €211k
2018 → 2024
Total assets
€414k▼ 3.7%
2023 · €430k
2018: €83k
2019: €91k
2020: €361k
2021: €478k
2022: €414k
2023: €430k
2018 → 2024
Solvency
15.2%▼ 38.6pp
2023 · 53.8%
2018: 46.3%
2019: 33.5%
2020: 15.6%
2021: 36.2%
2022: 59.6%
2023: 53.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€56k-€173k▲ 207%€246k▲ 42.3%€231k▼ 6.1%€63k▼ 72.7%
Operating result€23k-€153k▲ 563%€266k▲ 74.4%€287k▲ 7.5%€295k▲ 3.1%
Net result€26k-€117k▲ 355%€226k▲ 93.7%€211k▼ 6.7%€219k▲ 3.6%
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 has risen four years in a row; 2024 is 3% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €414k
Fixed assets
€65k▼ 21.7%
Current assets
€349k▲ 0.6%
Equity and liabilities €414k
Equity
€63k▼ 72.7%
Debt
€351k▲ 76.6%
The debt ratio rises from 46.2% to 84.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
15.2%▼
2023 · 53.8%
ROE
346.4%▲
2023 · 91.2%
ROA
52.8%▲
2023 · 49.1%
Debt
€351k▲
2023 · €199k
Debt ≤ 1 year
€307k▲
2023 · €133k
Debt > 1 year
€45k▼
2023 · €66k
Income taxes
€76k▲
2023 · €72k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€430k€414k▼
Fixed assets21/28€83k€65k▼
Tangible fixed assets22/27€71k€53k▼
Furniture and vehicles24€71k€53k▼
Financial fixed assets28€12k€12k=
Current assets29/58€347k€349k▲
Current investments50/53€39k€66k▲
Cash at bank and in hand54/58€307k€282k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€430k€414k▼
Equity10/15€231k€63k▼
Contributions10/11€19k€19k=
Reserves13€213k€45k▼
Distributable reserves133€213k€45k▼
Amounts payable17/49€199k€351k▲
Amounts payable after more than one year17€66k€45k▼
Financial debts170/4€66k€45k▼
Amounts payable within one year42/48€133k€307k▲
Current portion of amounts payable after more than one year42€21k€21k▲
Trade debts44-€5k
Suppliers440/4-€5k
Taxes, remuneration and social security45€3k€27k▲
Taxes450/3€3k€27k▲
Other amounts payable47/48€110k€254k▲
Income statement
Code20232024
Non-recurring operating income76A€14k-
Remuneration, social security and pensions62€225-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€307k€315k▲
Operating profit (loss)9901€287k€295k▲
Financial income75/76B€572€2k▲
Recurring financial income75€572€2k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€283k€294k▲
Income taxes67/77€72k€76k▲
Profit (loss) for the period9904€211k€219k▲
Profit (loss) for the period to be appropriated9905€211k€219k▲
Appropriation of the result
Profit (loss) to be appropriated9906€211k€219k▲
Transfer from equity791/2€226k€212k▼
Transfer to equity691/2€211k€44k▼
To other reserves6921€211k€44k▼
Profit to be distributed694/7€226k€387k▲
Return on contributions (dividend)694€226k€387k▲
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
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €226k ▲93.7%
Net result €226k, the highest in the series.
31-12
Financial
Equity above €200kEq €246k ▲42.3%
3 profitable years in a row build equity to €246k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €173k ▲207%
2 profitable years in a row build equity to €173k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-14k ▼154%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2017
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.
Halewijnkouter 589031 GentGround area
2,958 m²
Building footprint
278 m²
Volume, LiDAR
1,208 m³
Parcel 44017D0225/00M000, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Callant Ruben
since 20172.270.056.158
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017D0225/00M000 | Flanders | 2,958 m² | 1 · 278 m² | 7.6 m · 1 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
SIL-T
BE 0751.793.352
Waasmunster · Eq €63k
Double Deck
BE 0747.610.375
Ittre · Eq €63k
ATTITUDE FOR SUCCES
BE 0692.544.168
Gent · Eq €63k
4-FORESEE
BE 0727.394.981
Zulte · Eq €63k
ELEMENTAL
BE 0844.033.721
Antwerpen · Eq €63k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 11,098 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.