Equity
€23,725 ▼ 56.0%
CaLou paid out €45,000 in dividends. That is 283% of the 2025 profit.
CaLou
Lifetime
3 annual accounts with figures on one time axispeak €59,310 (2024)
€40,217▼ 32.2%
peak €29,358 (2024)
€15,925▼ 45.8%
peak €55,401 (2023)
€23,725▼ 56.0%
€46,636▲ 58.9%
Board1 name since 2023
1 directorLOUVEAUX Caroline
Documentsfilings and deeds
18-05-202674 days before the deadline
2025micro format
Gross margin from €59,310 to €40,217Result from €29,358 to €15,925Dividend €45,000Equity from €53,899 to €23,725Debts from €29,352 to €46,636Cash from €21,066 to €6,553
Key points
from the 2025 annual accountsChecked score
91
Excellent
Financially stronger than 30% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025highest value
05-2025: 0.1%▼ -0.3 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.2%▲ +0.1 percentage points vs 04-2026
06-2026: 0.4%▲ +0.2 percentage points vs 05-2026
07-2026: 0.1%▼ -0.3 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
2 establishment units
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €70,361
Figures for financial year 2025 (filed on 19-05-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 33% of them on solvency, 11% on liquidity, 66% on profitability and 11% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as CaLou has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of CaLou itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for CaLou. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.35 (2.08 in 2024), below the usual 1.5. Short-term debt is 66.3% and cash 9.3% of total assets. 66.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 18-05-2026, 74 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
74 days early
2024
108 days early
2023
75 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 86 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 18 May (3 of the last 3 accounts filed within 34 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0649505070
Registered office moved within Sint-Genesius-Rode
New registered office: Karekietlaan 22, 1640 Sint-Genesius-Rode · Previous registered office: Maria Joannalaan 5, 1640 Sint-Genesius-Rode · Caroline Louveaux is a shareholder · General meeting of 20-02-2024 · Gazette deed
Appointment: LOUVEAUX Caroline (director)
Legal-form conversion: from limited partnership to private limited company · General meeting of 20-03-2023 · Gazette deed
New establishment in Waterloo
Idéalis Concept, Chaussée de Bruxelles 592
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CaLou Sint-Genesius-Rode | €70,361 | €40,217 | 33.7% | - |
| SalesMania Tremelo | €75,306 | €42,705 | 26.6% | - |
| Janpieter Mels Bierbeek | €67,051 | €35,338 | 30.5% | - |
| TUIN- EN TEGELWERK Dilbeek | €70,774 | €43,402 | 19.7% | - |
| EDP-Advisory Overijse | €76,420 | €44,102 | 38.2% | - |
| AVI Zoutleeuw | €72,503 | €47,483 | 46.2% | - |
| FilipAerts.com Tielt-Winge | €74,651 | €34,331 | 51.8% | - |
These companies have the same main activity as CaLou: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €67,100 and €76,400, founded between 2015 and 2017.
Official details
Source: KBO- Status
- Active since 01-03-2016Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment units
- 2.252.207.1681640 Sint-Genesius-Rode, since 01-03-2016
- 2.302.150.5871410 Waterloo, since 14-05-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 29-11-2024
Annual accounts 2025
- €70,361▼ 15.5%
- Employeeson 31-12-2025
- 0
- Filing
- Filed on 18-05-2026, 74 days before the end of the filing period
Insights on CaLou
CaLou files the micro format. That format states no turnover. The gross margin fell from €54,253 in 2023 to €40,217 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CaLou
- What is the company number of CaLou?
- The company number of CaLou is 0649.505.070. The VAT number is the same number with BE in front: BE 0649.505.070.
- Where is CaLou based?
- The registered office is at Karekietlaan 22, 1640 Sint-Genesius-Rode.Company details
- What does CaLou do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of CaLou?
- CaLou is a private limited company (BV).
- When was CaLou founded?
- CaLou was founded on 01-03-2016.
- Is CaLou still active?
- Yes, CaLou is an active enterprise in the KBO register.
- How many employees does CaLou have?
- CaLou had an average of 0.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of CaLou?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €40,217 and 144 comparable companies (NACE 70200). It probably lies between €70,000 and €160,000.
- Is CaLou profitable?
- In financial year 2025, CaLou made a profit of €15,925.
- Where can I find the annual accounts of CaLou?
- CaLou filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CaLou due?
- CaLou must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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