Summary
Callens Holdco is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €302k and a net result of €140k. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 34% of 5527 sector peers (fiscal year 2025). The company has been active since 2020 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-03-2026, 30 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 · 5 filingsDeviation from the deadline
2025
30 d late
2024
4 d late
2023
43 d early
2022
42 d early
2021
42 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€302k▼ 16.7%
2024 · €362k
2021: €100k
2022: €203k
2023: €293k
2024: €362k
2021 → 2025
Net result
€140k▼ 46.8%
2024 · €262k
2021: €50k
2022: €103k
2023: €193k
2024: €262k
2021 → 2025
Total assets
€910k▼ 0.1%
2024 · €911k
2021: €365k
2022: €412k
2023: €973k
2024: €911k
2021 → 2025
Solvency
33.2%▼ 6.6pp
2024 · 39.8%
2021: 27.4%
2022: 49.3%
2023: 30.1%
2024: 39.8%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€203k▲ 103%€293k▲ 44.1%€362k▲ 23.8%€302k▼ 16.7%
Operating result€47k-€55k▲ 19.2%€207k▲ 273%€241k▲ 16.6%€210k▼ 13.0%
Net result€50k-€103k▲ 106%€193k▲ 87.0%€262k▲ 36.2%€140k▼ 46.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €910k
Fixed assets
€568k ▲ 3.0%
Current assets
€343k ▼ 4.8%
Equity and liabilities €910k
Equity
€302k ▼ 16.7%
Debt
€608k ▲ 10.9%
Debt's share of the balance-sheet total rises from 60.2% to 66.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
46.2%▼
2024 · 72.4%
ROA
15.3%▼
2024 · 28.8%
Debt ≤ 1 year
€354k▲
2024 · €250k
Debt > 1 year
€249k▼
2024 · €293k
Income taxes
€69k▲
2024 · €59k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€911k€910k▼
Fixed assets21/28€551k€568k▲
Tangible fixed assets22/27€276k€293k▲
Land and buildings22€252k€257k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24-€3k
Other tangible fixed assets26€21k€30k▲
Financial fixed assets28€275k€275k=
Current assets29/58€360k€343k▼
Amounts receivable within one year40/41€293k€307k▲
Trade receivables40€17k€31k▲
Other amounts receivable41€276k€276k▲
Current investments50/53€13k€13k=
Cash at bank and in hand54/58€39k€796▼
Deferred charges and accrued income490/1€15k€22k▲
Equity and liabilities
Total equity and liabilities10/49€911k€910k▼
Equity10/15€362k€302k▼
Contributions10/11€70k€70k=
Reserves13€30k€170k▲
Distributable reserves133€30k€170k▲
Profit (loss) carried forward14€262k€62k▼
Amounts payable17/49€548k€608k▲
Amounts payable after more than one year17€293k€249k▼
Financial debts170/4€293k€249k▼
Amounts payable within one year42/48€250k€354k▲
Current portion of amounts payable after more than one year42€79k€48k▼
Financial debts43€35k€15k▼
Credit institutions430/8€35k€15k▼
Trade debts44€11k€3k▼
Suppliers440/4€11k€3k▼
Taxes, remuneration and social security45€24k€59k▲
Taxes450/3€24k€59k▲
Other amounts payable47/48€100k€229k▲
Accrued charges and deferred income492/3€6k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€18k€3k▼
Non-recurring operating charges66A€5k-
Gross operating margin9900€271k€220k▼
Operating profit (loss)9901€241k€210k▼
Financial income75/76B€96k€17k▼
Recurring financial income75€96k€17k▼
Financial charges65/66B€16k€18k▲
Recurring financial charges65€16k€18k▲
Profit (loss) for the period before taxes9903€321k€209k▼
Income taxes67/77€59k€69k▲
Profit (loss) for the period9904€262k€140k▼
Profit (loss) for the period to be appropriated9905€262k€140k▼
Appropriation of the result
Profit (loss) to be appropriated9906€455k€402k▼
Profit (loss) brought forward from the previous period14P€193k€262k▲
Transfer to equity691/2-€140k
To other reserves6921-€140k
Profit to be distributed694/7€193k€200k▲
Return on contributions (dividend)694€193k€200k▲
The notes to these accounts (18 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
30-06
Financial
Highest result since 2021net €262k ▲36.2%
Operating result €241k, net result €262k, both a record.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Equity above €200kEq €203k ▲103%
2 profitable years in a row build equity to €203k.
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Kruisem · 1 establishment unit since 2020
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.
Huisgaverstraat 209750 KruisemGround area
286 m²
Building footprint
104 m²
Parcel 45036A0338/02_000, Flanders. Linked by address, not a title deed.
1 establishment unit
Callens Holdco
since 20202.299.584.641
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45036A0338/02_000 | Flanders | 286 m² | 1 · 104 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.
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5to9 Ventures
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HEGOS
BE 0891.906.486
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,767 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2020
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:benjamin.callens@hotmail.com