CALSERV
ActiveCALSERV has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €17k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 62% of 7912 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-8
Solvency97▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 2.86 in 2024), and 43.4% 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.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
56.6%
Return on assets
9.2%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
31 d early
2023
8 d late
2022
28 d early
2020
2 d early
2019
25 d early
2018
58 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€106k▲ 19.3%
2024 · €89k
2018: €51k
2019: €52k
2020: €68k
2022: €73k
2023: €80k
2024: €89k
2018 → 2025
Total assets
€187k▲ 21.5%
2024 · €154k
2018: €82k
2019: €94k
2020: €130k
2022: €101k
2023: €154k
2024: €154k
2018 → 2025
Net result
€17k▲ 9.0%
2024 · €16k
2018: €1k
2019: €692
2020: €16k
2022: €1k
2023: €7k
2024: €16k
2018 → 2025
Working capital
€78k▲ 14.5%
2024 · €68k
2018: €51k
2019: €50k
2020: €-626
2022: €45k
2023: €50k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€68k-€73k▲ 7.9%€80k▲ 9.9%€89k▲ 10.2%€106k▲ 19.3%
Operating result€20k-€11k▼ 45.7%€13k▲ 19.1%€25k▲ 89.6%€26k▲ 3.5%
Net result€16k-€1k▼ 91.7%€7k▲ 452%€16k▲ 116%€17k▲ 9.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 4% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€74k▲ 52.2%
Current assets
€113k▲ 7.3%
Equity and liabilities €187k
Equity
€106k▲ 19.3%
Debt
€81k▲ 24.5%
The debt ratio rises from 42.4% to 43.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€45k▼
2024 · €46k
Cash flow
€36k=
2024 · €36k
Solvency
56.6%▼
2024 · 57.6%
Current ratio
3.26▲
2024 · 2.86
Quick ratio
3.20▲
2024 · 2.74
Debt / equity
0.77▲
2024 · 0.74
ROE
16.2%▼
2024 · 17.7%
ROA
9.2%▼
2024 · 10.2%
Interest coverage
14.84▼
2024 · 21.47
Debt
€81k▲
2024 · €65k
Debt ≤ 1 year
€35k▼
2024 · €37k
Debt > 1 year
€46k▲
2024 · €28k
Income taxes
€7k▼
2024 · €7k
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€154k€187k▲
Fixed assets21/28€48k€74k▲
Tangible fixed assets22/27€48k€74k▲
Plant, machinery and equipment23€12k€11k▼
Furniture and vehicles24€2k€3k▲
Leasing and similar rights25€35k€60k▲
Current assets29/58€105k€113k▲
Stocks and contracts in progress3€4k€2k▼
Stocks30/36€4k€2k▼
Amounts receivable within one year40/41€64k€40k▼
Trade receivables40€61k€40k▼
Other amounts receivable41€3k-
Current investments50/53-€10k
Cash at bank and in hand54/58€37k€58k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€154k€187k▲
Equity10/15€89k€106k▲
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€69k€86k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€67k€84k▲
Amounts payable17/49€65k€81k▲
Amounts payable after more than one year17€28k€46k▲
Financial debts170/4€28k€46k▲
Amounts payable within one year42/48€37k€35k▼
Current portion of amounts payable after more than one year42€8k€12k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€16k€10k▼
Taxes450/3€16k€10k▼
Other amounts payable47/48€8k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€48k€47k▼
Operating profit (loss)9901€25k€26k▲
Financial income75/76B-€670
Recurring financial income75-€670
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€23k€24k▲
Income taxes67/77€7k€7k▼
Profit (loss) for the period9904€16k€17k▲
Profit (loss) for the period to be appropriated9905€16k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€17k▲
Transfer from equity791/2€8k-
Transfer to equity691/2€16k€17k▲
To other reserves6921€16k€17k▲
Profit to be distributed694/7€8k-
Return on contributions (dividend)694€8k-
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 2026, expected by
2026
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2018net €17k ▲9%
Operating result €26k, net result €17k, both a record.
30-06
Financial
Equity above €100kEq €106k ▲19.3%
7 profitable years in a row build equity to €106k.
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
08-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 8 days late
2023
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Liquidity triplescurrent ratio 2.93
Current ratio from 0.99 to 2.93; short-term debt falls from €49k to €23k.
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €692 ▼48%
Net result drops to €692, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 58 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 52 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 57 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, Stekene · 1 establishment unit since 2000
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.
Oude Straat(STE) 739190 StekeneGround area
1,486 m²
Building footprint
174 m²
Parcel 46322C0226/00W008, Flanders. Linked by address, not a title deed.
1 establishment unit
Oude Straat(STE) 73, 9190 Stekene
since 20002.131.671.802
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46322C0226/00W008 | Flanders | 1,486 m² | 1 · 174 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500GX997ATMPOHQ77
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MAGHERMAN
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Zwalm · Eq €105k
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Valley Construct
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Of 6,127 companies in sector 46190 we hold annual accounts for 2,554. 1,952 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2000
Fiscal year end30-06
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.