Callens
ActiveSummary
Callens has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,138 and a net result of -€2,781. Equity is shrinking by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability6▲+6
Solvency77▼-18
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.05 against 3.21 in 2024; short-term debt: 48.3% and cash: 4.2% of total assets), and 48.3% of the assets are financed with debt.
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Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
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
51.7%
Return on assets
-10.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2,781
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
16 d early
2023
2 d early
2022
2 d early
2021
16 d late
2020
22 d late
2019
70 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#3 oldest company in Kontich, Construction sector
Equity
€14,138▼ 16.4%
2024 · €16,918
Total assets
€27,341▲ 13.2%
2024 · €24,146
Net result
-€2,781▲ 25.8%
2024 · -€3,749
Working capital
€13,913▼ 12.8%
2024 · €15,948
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€13,411▲ 10.0%€4,862-€1,670-€3,464▼ 107%-€2,781▲ 19.7%
Net result-€15,090below the sector's middle half▲ 11.4%€3,137within the sector's middle half-€2,914below the sector's middle half-€3,749below the sector's middle half▼ 28.7%-€2,781below the sector's middle half▲ 25.8%
Equity€20,444within the sector's middle half▼ 42.5%€23,581within the sector's middle half▲ 15.3%€20,667within the sector's middle half▼ 12.4%€16,918below the sector's middle half▼ 18.1%€14,138below the sector's middle half▼ 16.4%
Total assets€62,139below the sector's middle half▼ 34.2%€50,355below the sector's middle half▼ 19.0%€35,251below the sector's middle half▼ 30.0%€24,146below the sector's middle half▼ 31.5%€27,341below the sector's middle half▲ 13.2%
Debt€41,695▼ 29.2%€26,774▼ 35.8%€14,583▼ 45.5%€7,228▼ 50.4%€13,204▲ 82.7%
Working capital€18,783within the sector's middle half▼ 44.7%€20,525within the sector's middle half▲ 9.3%€18,740within the sector's middle half▼ 8.7%€15,948within the sector's middle half▼ 14.9%€13,913within the sector's middle half▼ 12.8%
Solvency32.9%within the sector's middle half▼ 4.7pp46.8%within the sector's middle half▲ 13.9pp58.6%within the sector's middle half▲ 11.8pp70.1%above the sector's middle half▲ 11.4pp51.7%within the sector's middle half▼ 18.4pp
Current ratio1.87within the sector's middle half▼ 0.352.16within the sector's middle half▲ 0.292.29within the sector's middle half▲ 0.123.21within the sector's middle half▲ 0.922.05within the sector's middle half▼ 1.15
Return on assets (ROA)-24.3%below the sector's middle half▼ 6.2pp6.2%within the sector's middle half▲ 30.5pp-8.3%below the sector's middle half▼ 14.5pp-15.5%below the sector's middle half▼ 7.3pp-10.2%below the sector's middle half▲ 5.4pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,781 in 2025 against €3,464 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27,341
Fixed assets
€224 ▼ 76.9%
Current assets
€27,117 ▲ 17.0%
Equity and liabilities €27,341
Equity
€14,138 ▼ 16.4%
Debt
€13,204 ▲ 82.7%
Debt's share of the balance-sheet total rises from 29.9% to 48.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€2,035▲
2024 · -€2,507
Cash flow
-€2,035▲
2024 · -€2,792
Quick ratio
1.06▼
2024 · 1.95
Debt to equity
0.93▲
2024 · 0.43
ROE
-19.7%▲
2024 · -22.2%
Interest coverage
-101774.50▼
2024 · -6.95
Debt ≤ 1 year
€13,204▲
2024 · €7,228
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,836 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,841 | €11,053 | €11,574 | €958 | €745 | ▼ 22.2% |
| Other operating charges640/8 | €589 | €950 | €379 | €717 | €610 | ▼ 14.9% |
| Gross operating margin9900 | -€1,981 | €16,865 | €10,283 | -€1,790 | -€1,425 | ▲ 20.4% |
| Operating profit (loss)9901 | -€13,411 | €4,862 | -€1,670 | -€3,464 | -€2,781 | ▲ 19.7% |
| Financial income75/76B | €0 | €0 | €19 | €76 | €0 | ▼ 99.4% |
| Recurring financial income75 | €0 | €0 | €19 | €76 | €0 | ▼ 99.4% |
| Financial charges65/66B | €1,679 | €1,725 | €1,263 | €361 | €0 | ▼ 100.0% |
| Recurring financial charges65 | €1,679 | €1,725 | €1,263 | €361 | €0 | ▼ 100.0% |
| Profit (loss) for the period before taxes9903 | -€15,090 | €3,137 | -€2,914 | -€3,749 | -€2,781 | ▲ 25.8% |
| Profit (loss) for the period9904 | -€15,090 | €3,137 | -€2,914 | -€3,749 | -€2,781 | ▲ 25.8% |
| Profit (loss) for the period to be appropriated9905 | -€15,090 | €3,137 | -€2,914 | -€3,749 | -€2,781 | ▲ 25.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €62,139 | €50,355 | €35,251 | €24,146 | €27,341 | ▲ 13.2% |
| Fixed assets21/28 | €21,682 | €12,157 | €1,927 | €970 | €224 | ▼ 76.9% |
| Tangible fixed assets22/27 | €21,682 | €12,157 | €1,927 | €970 | €224 | ▼ 76.9% |
| Plant, machinery and equipment23 | €1,877 | €2,254 | €1,927 | €970 | €224 | ▼ 76.9% |
| Furniture and vehicles24 | €19,805 | €9,902 | - | - | - | - |
| Current assets29/58 | €40,457 | €38,199 | €33,323 | €23,176 | €27,117 | ▲ 17.0% |
| Stocks and contracts in progress3 | €4,272 | €3,425 | €5,650 | €9,085 | €13,150 | ▲ 44.7% |
| Stocks30/36 | €4,272 | €3,425 | €5,650 | €9,085 | €13,150 | ▲ 44.7% |
| Amounts receivable within one year40/41 | €28,037 | €28,579 | €24,982 | €11,233 | €12,810 | ▲ 14.0% |
| Trade receivables40 | €18,537 | €23,050 | €19,573 | €10,623 | €9,721 | ▼ 8.5% |
| Other amounts receivable41 | €9,500 | €5,529 | €5,409 | €609 | €3,089 | ▲ 407% |
| Cash at bank and in hand54/58 | €6,447 | €5,463 | €2,531 | €2,859 | €1,157 | ▼ 59.5% |
| Deferred charges and accrued income490/1 | €1,701 | €733 | €161 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €62,139 | €50,355 | €35,251 | €24,146 | €27,341 | ▲ 13.2% |
| Equity10/15 | €20,444 | €23,581 | €20,667 | €16,918 | €14,138 | ▼ 16.4% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | €18,592 | €18,592 | - | - | - | - |
| Issued capital100 | €18,592 | €18,592 | - | - | - | - |
| Reserves13 | €15,369 | €15,369 | €15,369 | €15,369 | €15,369 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | - | - | - | - |
| Legal reserve130 | €1,859 | €1,859 | - | - | - | - |
| Distributable reserves133 | €13,509 | €13,509 | €15,369 | €15,369 | €15,369 | = |
| Profit (loss) carried forward14 | -€13,516 | -€10,379 | -€13,293 | -€17,042 | -€19,823 | ▼ 16.3% |
| Amounts payable17/49 | €41,695 | €26,774 | €14,583 | €7,228 | €13,204 | ▲ 82.7% |
| Amounts payable after more than one year17 | €20,020 | €9,100 | - | - | - | - |
| Financial debts170/4 | €20,020 | €9,100 | - | - | - | - |
| Amounts payable within one year42/48 | €21,675 | €17,674 | €14,583 | €7,228 | €13,204 | ▲ 82.7% |
| Current portion of amounts payable after more than one year42 | €10,920 | €10,920 | €9,100 | - | - | - |
| Trade debts44 | €3,679 | €1,826 | €288 | €4,671 | €4,464 | ▼ 4.4% |
| Suppliers440/4 | €3,679 | €1,826 | €288 | €4,671 | €4,464 | ▼ 4.4% |
| Taxes, remuneration and social security45 | €2,840 | - | - | - | - | - |
| Taxes450/3 | €218 | - | - | - | - | - |
| Remuneration and social security454/9 | €2,623 | - | - | - | - | - |
| Other amounts payable47/48 | €4,235 | €4,928 | €5,195 | €2,557 | €8,740 | ▲ 242% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€15,090 | €3,137 | -€2,914 | -€3,749 | -€2,781 | ▲ 25.8% |
| + Depreciation and write-downs630 | €10,841 | €11,053 | €11,574 | €958 | €745 | ▼ 22.2% |
| Operating cash flow (approximation) | -€4,249 | €14,190 | €8,661 | -€2,792 | -€2,035 | ▲ 27.1% |
| Investment in fixed assets (approximation) | - | -€1,528 | -€1,345 | €0 | €0 | - |
| Change in cash | - | -€984 | -€2,932 | €328 | -€1,702 | ▼ 619% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €3,137
Net result €3,137 after 3 loss-making years.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
22-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 22 days late
2020
31-12
Financial
Weakest financial yearnet -€17,036
Net result drops to -€17,036, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
07-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 38 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Kontich · 1 establishment unit since 1979
Ground area
128 m²
Building footprint
128 m²
Volume, LiDAR
604 m³
Parcel 11024B0172/00E006, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
CALLENS BVBA
since 19792.015.721.564
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0172/00E006 | Flanders | 128 m² | 1 · 128 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 20,026 companies in sector 43320 we hold annual accounts for 9,139. 5,423 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-11-1978
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0418879751
Also
9925:BE0418879751
Registered
04-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.