CALLICARPA
ActiveCALLICARPA has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €254k and a net result of €73k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 10289 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▲+4
Solvency33▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.14 in 2024; short-term debt: 42.9% and cash: 5.6% of total assets), and 92.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
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
7.9%
Return on assets
2.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 10289 sector peers (2025).
NBB · sector comparisonPosition among 10289 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
45 d early
2023
7 d early
2022
11 d early
2021
16 d early
2020
9 d early
2019
31 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€254k▲ 40.3%
2024 · €181k
2018: €125k
2019: €153k
2020: €189k
2021: €149k
2022: €116k
2023: €147k
2024: €181k
2018 → 2025
Total assets
€3.20M▲ 1.0%
2024 · €3.16M
2018: €3.46M
2019: €3.32M
2020: €3.75M
2021: €3.77M
2022: €3.56M
2023: €3.30M
2024: €3.16M
2018 → 2025
Net result
€73k▲ 116%
2024 · €34k
2018: €20k
2019: €28k
2020: €36k
2021: €-41k
2022: €-32k
2023: €31k
2024: €34k
2018 → 2025
Working capital
€325k▲ 81.7%
2024 · €179k
2018: €98k
2019: €214k
2020: €7k
2021: €91k
2022: €4k
2023: €39k
2024: €179k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€116k▼ 21.7%€147k▲ 26.7%€181k▲ 22.9%€254k▲ 40.3%
Operating result€66k-€69k▲ 5.3%€129k▲ 86.7%€137k▲ 6.4%€180k▲ 30.8%
Net result€-41k-€-32k▲ 20.8%€31k€34k▲ 8.5%€73k▲ 116%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.20M
Fixed assets
€1.50M▼ 9.9%
Current assets
€1.70M▲ 13.1%
Equity and liabilities €3.20M
Equity
€254k▲ 40.3%
Provisions
€4k
Debt
€2.94M▼ 1.5%
The debt ratio falls from 94.3% to 91.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€389k▲
2024 · €373k
Cash flow
€282k▲
2024 · €270k
Solvency
7.9%▲
2024 · 5.7%
Current ratio
1.24▲
2024 · 1.14
Quick ratio
0.83▲
2024 · 0.60
Debt / equity
11.56▼
2024 · 16.47
ROE
28.7%▲
2024 · 18.6%
ROA
2.3%▲
2024 · 1.1%
Interest coverage
3.30▲
2024 · 2.93
Debt
€2.94M▼
2024 · €2.98M
Debt ≤ 1 year
€1.37M▲
2024 · €1.32M
Debt > 1 year
€1.57M▼
2024 · €1.66M
Income taxes
€11k
Staff costs
€760k▼
2024 · €783k
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€3.16M€3.20M▲
Fixed assets21/28€1.66M€1.50M▼
Tangible fixed assets22/27€1.66M€1.50M▼
Land and buildings22€1.44M€1.31M▼
Plant, machinery and equipment23€181k€157k▼
Furniture and vehicles24€37k€24k▼
Financial fixed assets28€4k€4k▲
Current assets29/58€1.50M€1.70M▲
Stocks and contracts in progress3€701k€554k▼
Stocks30/36€701k€554k▼
Amounts receivable within one year40/41€650k€940k▲
Trade receivables40€18k€262k▲
Other amounts receivable41€632k€678k▲
Cash at bank and in hand54/58€126k€178k▲
Deferred charges and accrued income490/1€22k€23k▲
Equity and liabilities
Total equity and liabilities10/49€3.16M€3.20M▲
Equity10/15€181k€254k▲
Contributions10/11€119k€119k=
Reserves13€62k€135k▲
Tax-exempt reserves132€17k€29k▲
Distributable reserves133€45k€106k▲
Provisions and deferred taxes16-€4k
Deferred taxes168-€4k
Amounts payable17/49€2.98M€2.94M▼
Amounts payable after more than one year17€1.66M€1.57M▼
Financial debts170/4€1.66M€1.57M▼
Amounts payable within one year42/48€1.32M€1.37M▲
Current portion of amounts payable after more than one year42€144k€95k▼
Financial debts43€150k€150k=
Credit institutions430/8€150k€150k=
Trade debts44€729k€762k▲
Suppliers440/4€729k€762k▲
Advances received on contracts in progress46€7k€4k▼
Taxes, remuneration and social security45€117k€163k▲
Taxes450/3€15k€68k▲
Remuneration and social security454/9€102k€95k▼
Other amounts payable47/48€173k€196k▲
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€0€17k▲
Remuneration, social security and pensions62€783k€760k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€236k€209k▼
Other operating charges640/8€15k€17k▲
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€1.17M€1.17M▼
Operating profit (loss)9901€137k€180k▲
Financial income75/76B€24k€25k▲
Recurring financial income75€24k€25k▲
Financial charges65/66B€127k€118k▼
Recurring financial charges65€127k€118k▼
Profit (loss) for the period before taxes9903€34k€88k▲
Transfer from deferred taxes780-€218
Transfer to deferred taxes680-€4k
Income taxes67/77-€11k
Profit (loss) for the period9904€34k€73k▲
Transfer from tax-exempt reserves789-€654
Transfer to tax-exempt reserves689-€13k
Profit (loss) for the period to be appropriated9905€34k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€61k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€34k€61k▲
To other reserves6921€34k€61k▲
Social balance
Average headcount (FTE)908722.021.5▼
The notes to these accounts (29 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €73k ▲116%
Operating result €180k, net result €73k, both a record.
31-12
Financial
Equity above €200kEq €254k ▲40.3%
3 profitable years in a row build equity to €254k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €181k ▲22.9%
2 profitable years in a row build equity to €181k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €31k
Net result €31k after 2 loss-making years.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-41k ▼213%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Equity above €150kEq €153k ▲22.7%
2 profitable years in a row build equity to €153k.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Staden · 1 establishment unit since 2009
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.
Sint Jansstraat(STA) 1108840 StadenGround area
4,204 m²
Building footprint
1,556 m²
Volume, LiDAR
4,333 m³
Parcel 36019A0838/00V000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Delhaize Staden
since 20092.183.151.086
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36019A0838/00V000 | Flanders | 4,204 m² | 1 · 1,556 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 26,500 EUR awarded · 26,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 178 EUR | 658 EUR |
| 2024 | 2 | 10,131 EUR | 9,651 EUR |
| 2023 | 3 | 13,444 EUR | 13,444 EUR |
| 2022 | 2 | 2,747 EUR | 2,747 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyStaden2.183.151.086
Dual-learning approval
2 live approvals · 1 endedWinkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Similar companies · same sector, comparable size
RAENA
BE 0760.651.234
Wommelgem · Eq €254k
CANDY & SNACK SERVICE
BE 0464.854.484
Anzegem · Eq €254k
TOP - VERDUYN
BE 0479.264.330
Brugge · Eq €254k
SEMACO
BE 0447.782.286
Kortrijk · Eq €254k
CASA MENTHE
BE 0476.041.554
Sint-Jans-Molenbeek · Eq €254k
Of 10,527 companies in sector 47110 we hold annual accounts for 5,861. 3,974 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2002
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.