CALLENS FREDERIK
ActiveCALLENS FREDERIK has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €409k and a net result of €349k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 9388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▲+14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.55 against 2.28 in 2024; short-term debt: 32.9% and cash: 7.1% of total assets), and 32.9% 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 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
67.1%
Return on assets
57.3%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 30-03-2026, 123 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
123 d early
2024
45 d early
2023
42 d early
2022
40 d early
2021
33 d early
2020
9 d early
2019
39 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€409k▲ 20.3%
2024 · €340k
2018: €42k
2019: €223k
2020: €390k
2021: €320k
2022: €336k
2023: €340k
2024: €340k
2018 → 2025
Total assets
€609k▼ 5.6%
2024 · €645k
2018: €54k
2019: €238k
2020: €411k
2021: €361k
2022: €569k
2023: €673k
2024: €645k
2018 → 2025
Net result
€349k▲ 99.4%
2024 · €175k
2018: €30k
2019: €181k
2020: €167k
2021: €230k
2022: €205k
2023: €183k
2024: €175k
2018 → 2025
Working capital
€311k▼ 3.1%
2024 · €321k
2018: €37k
2019: €212k
2020: €386k
2021: €321k
2022: €335k
2023: €385k
2024: €321k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€320k-€336k▲ 5.0%€340k▲ 1.0%€340k=€409k▲ 20.3%
Operating result€297k-€270k▼ 9.0%€244k▼ 9.6%€233k▼ 4.4%€469k▲ 101%
Net result€230k-€205k▼ 10.9%€183k▼ 10.5%€175k▼ 4.6%€349k▲ 99.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 101% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €609k
Fixed assets
€98k▲ 31.6%
Current assets
€511k▼ 10.5%
Equity and liabilities €609k
Equity
€409k▲ 20.3%
Debt
€200k▼ 34.5%
The debt ratio falls from 47.4% to 32.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€480k▲
2024 · €241k
Cash flow
€360k▲
2024 · €183k
Solvency
67.1%▲
2024 · 52.6%
Current ratio
2.55▲
2024 · 2.28
Quick ratio
2.55▲
2024 · 2.28
Debt / equity
0.49▼
2024 · 0.90
ROE
85.4%▲
2024 · 51.5%
ROA
57.3%▲
2024 · 27.1%
Interest coverage
151.88▲
2024 · 57.56
Debt
€200k▼
2024 · €306k
Debt ≤ 1 year
€200k▼
2024 · €250k
Income taxes
€116k▲
2024 · €54k
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€645k€609k▼
Fixed assets21/28€75k€98k▲
Tangible fixed assets22/27€75k€98k▲
Furniture and vehicles24€4k€11k▲
Other tangible fixed assets26€70k€87k▲
Current assets29/58€571k€511k▼
Amounts receivable after more than one year29€306k€306k=
Other amounts receivable291€306k€306k=
Amounts receivable within one year40/41€220k€160k▼
Trade receivables40€36k€159k▲
Other amounts receivable41€184k€905▼
Cash at bank and in hand54/58€39k€43k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€645k€609k▼
Equity10/15€340k€409k▲
Contributions10/11€19k€19k=
Reserves13€321k€390k▲
Distributable reserves133€321k€390k▲
Profit (loss) carried forward14€109€117▲
Amounts payable17/49€306k€200k▼
Amounts payable after more than one year17€46k-
Financial debts170/4€46k-
Amounts payable within one year42/48€250k€200k▼
Current portion of amounts payable after more than one year42€25k-
Financial debts43€29k-
Credit institutions430/8€29k-
Trade debts44€6k€56▼
Suppliers440/4€6k€56▼
Taxes, remuneration and social security45€14k€65k▲
Taxes450/3€14k€63k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€176k€135k▼
Accrued charges and deferred income492/3€10k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€244k€482k▲
Operating profit (loss)9901€233k€469k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€229k€465k▲
Income taxes67/77€54k€116k▲
Profit (loss) for the period9904€175k€349k▲
Profit (loss) for the period to be appropriated9905€175k€349k▲
Appropriation of the result
Profit (loss) to be appropriated9906€175k€349k▲
Profit (loss) brought forward from the previous period14P€117€109▼
Transfer to equity691/2-€69k
To other reserves6921-€69k
Profit to be distributed694/7€175k€280k▲
Return on contributions (dividend)694€175k€280k▲
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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €349k ▲99.4%
Operating result €469k, net result €349k, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 31.97
Current ratio from 15.54 to 31.97; short-term debt falls from €15k to €12k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 15.54
Current ratio from 4.25 to 15.54.
31-12
Financial
Equity above €200kEq €223k ▲430%
2 profitable years in a row build equity to €223k.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Kortrijk · 1 establishment unit since 2018
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.
Ten Akkerdreef(Kor) 1018500 KortrijkGround area
605 m²
Building footprint
149 m²
Parcel 34354C0232/00E009, Flanders. Linked by address, not a title deed.
1 establishment unit
CALLENS FREDERIK
since 20182.277.057.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0232/00E009 | Flanders | 605 m² | 1 · 149 m² | - |
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 · 3 entries · 4,215 EUR awarded · 4,215 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 885 EUR | 885 EUR |
| 2023 | 1 | 2,550 EUR | 2,550 EUR |
| 2022 | 1 | 780 EUR | 780 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 18,249 companies in sector 71111 we hold annual accounts for 6,319. 4,291 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2018
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.