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CALPOL

Active
Private limited companyfounded 2002active for 24 yearsKrekebekestraat 3, 8610 Kortemark, BelgiumKBO/BCE: BE 0477.145.176
Summary

The computed 12-month bankruptcy probability of CALPOL is 1.9% (moderate). The 2025 annual accounts show equity of €429,253 and a net result of €2,734. Equity has been growing by about 2.9% per year since 2018. Its solvency ranks better than 28% of 12,781 sector peers (NACE 47, financial year 2025). The company has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 26-03-2002 Normal situation
Registered office
11 active companies are registered at this address Source: KBO register, as of 5 November 2026.
Activity
Retail sale of hardware, building materials, paint and glass (general range) NACE 47521
Joint committees
149.01 Electricians: installation and distribution
201 Independent retail · annual accounts 2025
Establishment units
2.096.202.959 7700 Mouscron, since 23-07-2002
2.164.560.443 8790 Waregem, since 04-09-2007
Financial year end
31 December
Peppol
Reachable since 21-10-2026

Board and ownership

Board
  • Geert DeconinckDirector
  • WalpolDirector · permanent representative Wilfried Pollet
Shareholders
  • HOBEKA· score 842025 annual accounts of HOBEKA
  • VILLA· score 872025 annual accounts of VILLA

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Annual accounts 2025
Gross margin
€949,275
▼ 3.3%
Turnover
≈ €4.9m
estimated
Profit
€2,734
Equity
€429,253
▲ 0.6%
Total assets
€2.4m
▼ 7.2%
Employees on 31-12-2025
31
=
  • 2025 accounts filed 53 days after the deadline
Score breakdownraises riskLast filed accounts filed 53 days late; 3 of the last 3 accounts lateSize: 21.2 FTE, total assets €2.4mEquity €429,253 (17.6% of total assets)Liquidity: current ratio 1.18, cash €44,906Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 25% of small companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 43+2
equity 17.6% of total assets
Liquidity 11-1
short-term debt 76.5% · cash 1.8%
Profitability 37+3
return on assets 0.1%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,698 companies, NACE 47, small)
Last 24 months 12-2024: 2.1% 01-2025: 2.1%● unchanged vs 12-2024 02-2025: 2.1%● unchanged vs 01-2025 03-2025: 2.1%● unchanged vs 02-2025 04-2025: 2.1%● unchanged vs 03-2025 05-2025: 2.3%▲ +0.2 percentage points vs 04-2025 06-2025: 2.3%● unchanged vs 05-2025 07-2025: 2.5%▲ +0.2 percentage points vs 06-2025 08-2025: 3.2%▲ +0.7 percentage points vs 07-2025 09-2025: 3.9%▲ +0.7 percentage points vs 08-2025highest value 10-2025: 3.2%▼ -0.7 percentage points vs 09-2025 11-2025: 3.2%● unchanged vs 10-2025 12-2025: 3.2%● unchanged vs 11-2025 01-2026: 3.2%● unchanged vs 12-2025 02-2026: 2.0%▼ -1.2 percentage points vs 01-2026 03-2026: 2.3%▲ +0.3 percentage points vs 02-2026 04-2026: 2.3%● unchanged vs 03-2026 05-2026: 2.3%● unchanged vs 04-2026 06-2026: 2.3%● unchanged vs 05-2026 07-2026: 2.3%● unchanged vs 06-2026 08-2026: 3.1%▲ +0.8 percentage points vs 07-2026 09-2026: 3.6%▲ +0.5 percentage points vs 08-2026 10-2026: 1.9%▼ -1.7 percentage points vs 09-2026lowest value 11-2026: 1.9%● unchanged vs 10-2026lowest value
Credit of up to €22,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.18 (1.16 in 2024), below the usual 1.5. Short-term debt is 76.5% and cash 1.8% of total assets. 82.4% of the assets are financed with debt and provisions.
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 47, small). It does better than 32% of them on solvency, 9% on liquidity, 21% on profitability and 40% on growth.

The bankruptcy probability was computed on 04-11-2026 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 moderate class on 30-06-2025, 2.4% 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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
raises risk
raises risk · Last filed accounts filed 53 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Size: 21.2 FTE, total assets €2.4m
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €429,253 (17.6% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.18, cash €44,906
NBB · annual accounts
raises risk · 2025 accounts filed 53 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
53 days late
2024
61 days late
2023
69 days late
2022
119 days late
2021
124 days late
2020
46 days late
2019
61 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 76 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 9 October (4 of the last 5 accounts filed within 49 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 6th largest employer in Kortemark, Wholesale and retail trade sectorin the Checked rankings No. 6 View

Recent changes

  1. · Gazette deed Registered office moved within KortemarkNew registered office: Krekebekestraat 3, 8610 Kortemark · Previous registered office: Handzamestraat 105, 8610 Kortemark · Resignations: Walpol (director) and Geert Deconinck (director)
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as CALPOL: retail sale of hardware, building materials, paint and glass (general range) (NACE 47521). They are comparable in size and age: total assets between €2.3m and €3.2m, founded between 1996 and 2002.

CompanyTotal assetsGross margin
CALPOL Kortemark€2.4m€0.9m
FLO Wommelgem€2.6m€0.9m
BRIBRA Braine-l'Alleud€2.3m€1.0m
EDES Seraing€2.5m€1.0m
BRICOGEMAX Wommelgem€3.1m€0.9m
BRIMOU Mouscron€2.4m€0.9m
BVO Herent€3.2m€1.7m
Full comparison

Key facts about CALPOL

What is the company number of CALPOL?
The company number of CALPOL is 0477.145.176. The VAT number is the same number with BE in front: BE 0477.145.176.
Where is CALPOL based?
The registered office is at Krekebekestraat 3, 8610 Kortemark.Company details
What does CALPOL do?
According to the KBO register, the main activity is retail sale of hardware, building materials, paint and glass (general range) (NACE 47521).
What is the legal form of CALPOL?
CALPOL is a private limited company (BV).
When was CALPOL founded?
CALPOL was founded on 26-03-2002.
Is CALPOL still active?
Yes, CALPOL is an active enterprise in the KBO register.
How many employees does CALPOL have?
CALPOL had an average of 21.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does CALPOL fall under?
In its 2025 annual accounts, CALPOL states joint committees 149.01 (Electricians: installation and distribution) and 201 (Independent retail).
What is the turnover of CALPOL?
The turnover in financial year 2025 is ≈ €4.9m. This figure is estimated from the gross margin of €949,275 and 34 comparable companies (NACE 475). It probably lies between €3.4m and €7.5m.
Is CALPOL profitable?
In financial year 2025, CALPOL made a profit of €2,734.
Where can I find the annual accounts of CALPOL?
CALPOL filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CALPOL due?
CALPOL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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