CALO Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €588k and a net result of €75k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 49% of 103 sector peers (fiscal year 2026). The company has been active since 2009 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 09-09-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
52 d early
2025
50 d early
2024
51 d early
2023
48 d early
2022
21 d early
2021
46 d early
2020
44 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€588k▲ 14.6%
2025 · €513k
2019: €327k
2020: €372k
2021: €400k
2022: €412k
2023: €434k
2024: €447k
2025: €513k
2019 → 2026
Net result
€75k▲ 13.4%
2025 · €66k
2019: €15k
2020: €46k
2021: €108k
2022: €12k
2023: €23k
2024: €12k
2025: €66k
2019 → 2026
Total assets
€984k▼ 3.9%
2025 · €1.02M
2019: €891k
2020: €924k
2021: €1.01M
2022: €1.07M
2023: €1.05M
2024: €1.01M
2025: €1.02M
2019 → 2026
Solvency
59.8%▲ 9.7pp
2025 · 50.1%
2019: 36.7%
2020: 40.3%
2021: 39.6%
2022: 38.6%
2023: 41.3%
2024: 44.4%
2025: 50.1%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€412k-€434k▲ 5.5%€447k▲ 2.8%€513k▲ 14.8%€588k▲ 14.6%
Operating result€31k-€53k▲ 70.2%€39k▼ 25.7%€120k▲ 203%€125k▲ 4.8%
Net result€12k-€23k▲ 91.8%€12k▼ 45.9%€66k▲ 441%€75k▲ 13.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 5% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €984k
Fixed assets
€808k▼ 3.2%
Current assets
€176k▼ 7.2%
Equity and liabilities €984k
Equity
€588k▲ 14.6%
Provisions
€4k
Debt
€392k▼ 23.3%
The debt ratio falls from 49.9% to 39.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
59.8%▲
2025 · 50.1%
ROE
12.8%▼
2025 · 12.9%
ROA
7.6%▲
2025 · 6.5%
Debt
€392k▼
2025 · €511k
Debt ≤ 1 year
€194k▼
2025 · €262k
Debt > 1 year
€184k▼
2025 · €230k
Income taxes
€31k▼
2025 · €32k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€1.02M€984k▼
Fixed assets21/28€835k€808k▼
Tangible fixed assets22/27€835k€808k▼
Land and buildings22€835k€806k▼
Plant, machinery and equipment23-€2k
Current assets29/58€189k€176k▼
Amounts receivable within one year40/41€153k€122k▼
Trade receivables40€55k€24k▼
Other amounts receivable41€98k€99k▲
Cash at bank and in hand54/58€32k€49k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€984k▼
Equity10/15€513k€588k▲
Contributions10/11€12k€12k=
Reserves13€500k€576k▲
Tax-exempt reserves132€188€12k▲
Distributable reserves133€500k€564k▲
Provisions and deferred taxes16-€4k
Deferred taxes168-€4k
Amounts payable17/49€511k€392k▼
Amounts payable after more than one year17€230k€184k▼
Financial debts170/4€230k€184k▼
Amounts payable within one year42/48€262k€194k▼
Current portion of amounts payable after more than one year42€46k€46k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€11k€10k▼
Other amounts payable47/48€203k€134k▼
Accrued charges and deferred income492/3€19k€14k▼
Income statement
Code20252026
Non-recurring operating income76A-€15k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€26k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€150k€155k▲
Operating profit (loss)9901€120k€125k▲
Financial income75/76B€966€976▲
Recurring financial income75€966€976▲
Financial charges65/66B€22k€17k▼
Recurring financial charges65€22k€17k▼
Profit (loss) for the period before taxes9903€98k€110k▲
Transfer to deferred taxes680-€4k
Income taxes67/77€32k€31k▼
Profit (loss) for the period9904€66k€75k▲
Transfer to tax-exempt reserves689-€12k
Profit (loss) for the period to be appropriated9905€66k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€63k▼
Transfer to equity691/2€66k€63k▼
To other reserves6921€66k€63k▼
The notes to these accounts (8 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 2027, expected by
2026
09-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €500kEq €513k ▲14.8%
7 profitable years in a row build equity to €513k.
2024
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €12k ▼89.1%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
2021
15-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €108k ▲136%
Operating result €164k, net result €108k, both a record.
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beringen · 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.
Kreniststraat 853583 BeringenGround area
1,579 m²
Building footprint
159 m²
Volume, LiDAR
875 m³
Parcel 71382D0565/00M000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CALO Consulting
since 20092.176.279.528
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382D0565/00M000 | Flanders | 1,579 m² | 1 · 159 m² | 8.4 m · 2 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
2025 · 2 entries · 2,928 EUR awarded · 2,928 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,928 EUR | 2,928 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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NVH
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Tongeren-Borgloon · Eq €588k
KALIEDO
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NG.Projects
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,499 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2009
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.