Calmate
ActiveThe computed 12-month bankruptcy probability of Calmate is 4.5% (elevated). The annual accounts of Calmate for fiscal year 2025 show a net loss of 143% of total assets and of 66% of the equity at the start of that year. The 2025 annual accounts show equity of €35k and a net result of €-69k. Equity is shrinking by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 86% of 13091 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
Score 2025
51
/ 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
Profitability0▼-100
Solvency98▲+19
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.68 against 2.63 in 2024; short-term debt: 26.9% and cash: 78.5% of total assets), and 26.9% 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.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
73.1%
Return on assets
-143.3%
Age of the figures
9 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
11 d early
2024
6 d early
2023
1 d early
2022
3 d early
2021
9 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▼ 66.2%
2024 · €104k
2021: €65k
2022: €113k
2023: €120k
2024: €104k
2021 → 2025
Total assets
€48k▼ 74.9%
2024 · €191k
2021: €87k
2022: €141k
2023: €138k
2024: €191k
2021 → 2025
Net result
€-69k
2024 · €49k
2021: €55k
2022: €47k
2023: €7k
2024: €49k
2021 → 2025
Working capital
€35k▼ 70.6%
2024 · €118k
2021: €79k
2022: €127k
2023: €134k
2024: €118k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€113k▲ 72.4%€120k▲ 6.3%€104k▼ 13.4%€35k▼ 66.2%
Operating result€70k-€61k▼ 13.3%€11k▼ 81.4%€64k▲ 469%€-67k
Net result€55k-€47k▼ 14.5%€7k▼ 84.9%€49k▲ 586%€-69k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €67k after €64k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€531▼ 51.0%
Current assets
€47k▼ 75.1%
Equity and liabilities €48k
Equity
€35k▼ 66.2%
Debt
€13k▼ 85.3%
The debt ratio falls from 45.7% to 26.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-67k▼
2024 · €65k
Cash flow
€-68k▼
2024 · €50k
Solvency
73.1%▲
2024 · 54.3%
Current ratio
3.68▲
2024 · 2.63
Quick ratio
3.68▲
2024 · 2.63
Debt / equity
0.37▼
2024 · 0.84
ROE
-195.9%▼
2024 · 47.1%
ROA
-143.3%▼
2024 · 25.6%
Interest coverage
-48.72▼
2024 · 52.93
Debt
€13k▼
2024 · €87k
Debt ≤ 1 year
€13k▼
2024 · €72k
Income taxes
€176▼
2024 · €14k
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€191k€48k▼
Fixed assets21/28€1k€531▼
Tangible fixed assets22/27€1k€531▼
Plant, machinery and equipment23€1k€531▼
Current assets29/58€190k€47k▼
Amounts receivable within one year40/41€75k€8k▼
Trade receivables40€30k€4k▼
Other amounts receivable41€45k€4k▼
Cash at bank and in hand54/58€113k€38k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€191k€48k▼
Equity10/15€104k€35k▼
Contributions10/11€10k€10k=
Reserves13€94k€25k▼
Distributable reserves133€94k€25k▼
Amounts payable17/49€87k€13k▼
Amounts payable after more than one year17€15k-
Financial debts170/4€15k-
Amounts payable within one year42/48€72k€13k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€10k▲
Other amounts payable47/48€65k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€671€553▼
Other operating charges640/8€1k€689▼
Gross operating margin9900€66k€-66k▼
Operating profit (loss)9901€64k€-67k▼
Financial income75/76B-€209
Recurring financial income75-€209
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€63k€-69k▼
Income taxes67/77€14k€176▼
Profit (loss) for the period9904€49k€-69k▼
Profit (loss) for the period to be appropriated9905€49k€-69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€-69k▼
Transfer from equity791/2€16k€69k▲
Profit to be distributed694/7€65k-
Return on contributions (dividend)694€65k-
The notes to these accounts (4 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-69k ▼240%
Net result drops to €-69k, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 46.83
Current ratio from 10.47 to 46.83; short-term debt falls from €13k to €3k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €113k ▲72.4%
2 profitable years in a row build equity to €113k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Lochristi · 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.
Steenakkerlaan 129080 LochristiGround area
782 m²
Building footprint
187 m²
Volume, LiDAR
746 m³
Parcel 44034C0142/00H000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Barnadette
since 20202.307.787.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0142/00H000 | Flanders | 782 m² | 1 · 187 m² | 6.6 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
2023 to 2025 · 3 entries · 4,438 EUR awarded · 4,438 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 899 EUR | 899 EUR |
| 2024 | 1 | 0 EUR | 885 EUR |
| 2023 | 1 | 3,539 EUR | 2,654 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,510 companies in sector 56111 we hold annual accounts for 11,456. 9,611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-2020
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.