Calligraphic
ActiveCalligraphic has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €12k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 38% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
81
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency63▼-10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.45 in 2024), and 63.9% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
36.1%
Return on assets
12.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
40 d early
2023
56 d early
2022
5 d early
2021
4 d late
2020
4 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 0.1%
2024 · €34k
2018: €12k
2019: €26k
2020: €17k
2021: €22k
2022: €22k
2023: €32k
2024: €34k
2018 → 2025
Total assets
€93k▲ 13.3%
2024 · €82k
2018: €80k
2019: €95k
2020: €66k
2021: €54k
2022: €74k
2023: €82k
2024: €82k
2018 → 2025
Net result
€12k▼ 20.7%
2024 · €15k
2018: €7k
2019: €17k
2020: €-9k
2021: €5k
2022: €15k
2023: €22k
2024: €15k
2018 → 2025
Working capital
€17k▼ 22.3%
2024 · €22k
2018: €-375
2019: €-3k
2020: €-7k
2021: €7k
2022: €14k
2023: €20k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€22k▲ 0.2%€32k▲ 46.8%€34k▲ 3.6%€34k▲ 0.1%
Operating result€6k-€20k▲ 224%€35k▲ 69.6%€26k▼ 25.4%€14k▼ 44.2%
Net result€5k-€15k▲ 188%€22k▲ 49.4%€15k▼ 30.3%€12k▼ 20.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€17k▲ 42.6%
Current assets
€77k▲ 8.5%
Equity and liabilities €93k
Equity
€34k▲ 0.1%
Debt
€60k▲ 22.5%
The debt ratio rises from 59.1% to 63.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€16k▼
2024 · €27k
Cash flow
€14k▼
2024 · €17k
Solvency
36.1%▼
2024 · 40.9%
Current ratio
1.29▼
2024 · 1.45
Quick ratio
1.29▼
2024 · 1.45
Debt / equity
1.77▲
2024 · 1.45
ROE
35.7%▼
2024 · 45.1%
ROA
12.9%▼
2024 · 18.4%
Interest coverage
66.74▼
2024 · 131.20
Debt
€60k▲
2024 · €49k
Debt ≤ 1 year
€60k▲
2024 · €49k
Income taxes
€6k▼
2024 · €11k
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€82k€93k▲
Fixed assets21/28€12k€17k▲
Tangible fixed assets22/27€12k€17k▲
Other tangible fixed assets26€12k€17k▲
Financial fixed assets28€62€0▼
Current assets29/58€71k€77k▲
Amounts receivable within one year40/41€15k€50k▲
Trade receivables40€15k€50k▲
Cash at bank and in hand54/58€54k€26k▼
Deferred charges and accrued income490/1€743€771▲
Equity and liabilities
Total equity and liabilities10/49€82k€93k▲
Equity10/15€34k€34k▲
Contributions10/11€6k€6k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€220€247▲
Amounts payable17/49€49k€60k▲
Amounts payable within one year42/48€49k€60k▲
Trade debts44€16k€18k▲
Suppliers440/4€16k€18k▲
Taxes, remuneration and social security45€18k€14k▼
Taxes450/3€16k€12k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€15k€27k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€608€786▲
Gross operating margin9900€28k€17k▼
Operating profit (loss)9901€26k€14k▼
Financial income75/76B€4€4k▲
Recurring financial income75€4€4k▲
Financial charges65/66B€208€239▲
Recurring financial charges65€208€239▲
Profit (loss) for the period before taxes9903€26k€18k▼
Income taxes67/77€11k€6k▼
Profit (loss) for the period9904€15k€12k▼
Profit (loss) for the period to be appropriated9905€15k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€12k▼
Profit (loss) brought forward from the previous period14P€61€220▲
Transfer from equity791/2€14k-
Transfer to equity691/2€15k-
To other reserves6921€15k-
Profit to be distributed694/7€14k€12k▼
Return on contributions (dividend)694€14k€12k▼
The notes to these accounts (9 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
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €22k ▲49.4%
Operating result €35k, net result €22k, both a record.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
30-09
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-9k ▼157%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
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, Braine-le-Château · 1 establishment unit since 2007
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.
Rue Castiaux 331440 Braine-le-ChâteauGround area
921 m²
Building footprint
103 m²
Parcel 25015C0297/00P005, Wallonia. Linked by address, not a title deed.
1 establishment unit
Calligraphic
since 20072.164.586.276
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25015C0297/00P005 | Wallonia | 921 m² | 1 · 103 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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JB-COOLING
BE 0759.432.301
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BELIFLO
BE 0777.987.411
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VERELST SVEN
BE 0876.468.541
Tremelo · Eq €34k
Of 9,478 companies in sector 43222 we hold annual accounts for 5,625. 4,123 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2007
Fiscal year end30-09
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
18130Pre-press and pre-media services
22250
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.