CALSTRA
ActiveCALSTRA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €934k and a net result of €11k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 62% of 7924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-11
Solvency97▼-3
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 4.25 in 2024), and 43.6% 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
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
56.4%
Return on assets
0.7%
Age of the figures
8 mo
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 →
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
44 d early
2023
35 d early
2022
35 d early
2021
2 d early
2020
16 d early
2019
39 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€934k▲ 1.2%
2024 · €923k
2018: €458k
2019: €453k
2020: €560k
2021: €942k
2022: €1.04M
2023: €1.04M
2024: €923k
2018 → 2025
Total assets
€1.66M▲ 36.3%
2024 · €1.21M
2018: €1.08M
2019: €1.19M
2020: €1.25M
2021: €1.50M
2022: €1.52M
2023: €1.51M
2024: €1.21M
2018 → 2025
Net result
€11k▼ 65.2%
2024 · €31k
2018: €80k
2019: €-5k
2020: €107k
2021: €382k
2022: €303k
2023: €5k
2024: €31k
2018 → 2025
Working capital
€906k▼ 1.1%
2024 · €917k
2018: €399k
2019: €443k
2020: €624k
2021: €907k
2022: €1.02M
2023: €1.04M
2024: €917k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€942k-€1.04M▲ 10.2%€1.04M▲ 0.5%€923k▼ 11.6%€934k▲ 1.2%
Operating result€577k-€466k▼ 19.3%€25k▼ 94.7%€66k▲ 166%€32k▼ 52.1%
Net result€382k-€303k▼ 20.7%€5k▼ 98.2%€31k▲ 467%€11k▼ 65.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.66M
Fixed assets
€144k▲ 805%
Current assets
€1.51M▲ 26.1%
Equity and liabilities €1.66M
Equity
€934k▲ 1.2%
Debt
€722k▲ 147%
The debt ratio rises from 24.0% to 43.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€48k▼
2024 · €83k
Cash flow
€28k▼
2024 · €48k
Solvency
56.4%▼
2024 · 76.0%
Current ratio
2.50▼
2024 · 4.25
Quick ratio
0.69▼
2024 · 1.84
Debt / equity
0.77▲
2024 · 0.32
ROE
1.2%▼
2024 · 3.4%
ROA
0.7%▼
2024 · 2.6%
Interest coverage
5.72▼
2024 · 9.77
Debt
€722k▲
2024 · €292k
Debt ≤ 1 year
€606k▲
2024 · €282k
Debt > 1 year
€111k▲
2024 · €10k
Income taxes
€12k▼
2024 · €27k
Staff costs
€75k▲
2024 · €48k
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€1.21M€1.66M▲
Fixed assets21/28€16k€144k▲
Tangible fixed assets22/27€16k€144k▲
Land and buildings22€2k€2k=
Plant, machinery and equipment23€580€1k▲
Furniture and vehicles24€14k€141k▲
Current assets29/58€1.20M€1.51M▲
Stocks and contracts in progress3€679k€1.09M▲
Stocks30/36€679k€1.09M▲
Amounts receivable within one year40/41€115k€133k▲
Other amounts receivable41€115k€133k▲
Cash at bank and in hand54/58€400k€280k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.21M€1.66M▲
Equity10/15€923k€934k▲
Contributions10/11€20k€20k=
Reserves13€903k€914k▲
Distributable reserves133€903k€914k▲
Amounts payable17/49€292k€722k▲
Amounts payable after more than one year17€10k€111k▲
Financial debts170/4€10k€111k▲
Amounts payable within one year42/48€282k€606k▲
Current portion of amounts payable after more than one year42€6k€39k▲
Financial debts43€100k€108k▲
Credit institutions430/8€100k€108k▲
Trade debts44€150k€456k▲
Suppliers440/4€150k€456k▲
Taxes, remuneration and social security45€27k€2k▼
Taxes450/3€27k€2k▼
Accrued charges and deferred income492/3€400€5k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€5k▲
Remuneration, social security and pensions62€48k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▲
Other operating charges640/8€3k€7k▲
Non-recurring operating charges66A€18k€6k▼
Gross operating margin9900€152k€137k▼
Operating profit (loss)9901€66k€32k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€8k€8k=
Recurring financial charges65€8k€8k=
Profit (loss) for the period before taxes9903€58k€23k▼
Income taxes67/77€27k€12k▼
Profit (loss) for the period9904€31k€11k▼
Profit (loss) for the period to be appropriated9905€31k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€11k▼
Transfer from equity791/2€152k-
Transfer to equity691/2€31k€11k▼
To other reserves6921€31k€11k▼
Profit to be distributed694/7€152k-
Return on contributions (dividend)694€152k-
Social balance
Average headcount (FTE)90871.11.5▲
The notes to these accounts (12 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.04M ▲10.2%
3 profitable years in a row build equity to €1.04M.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €382k ▲257%
Operating result €577k, net result €382k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €107k
Net result €107k after one loss-making year.
31-12
Financial
Equity above €500kEq €560k ▲23.7%
Equity rises from €453k to €560k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-5k ▼107%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ardooie · 1 establishment unit since 2003
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.
Roeselaarsestraat 388850 ArdooieGround area
333 m²
Building footprint
337 m²
Volume, LiDAR
2,416 m³
Parcel 36001E0327/00N003, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CALSTRA bvba - (Belgium Trucks & Trailers -afgekort - BTT)
since 20032.132.830.258
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36001E0327/00N003 | Flanders | 333 m² | 1 · 337 m² | 10.2 m · 3 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
2022 to 2025 · 3 entries · 7,128 EUR awarded · 7,128 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 5,642 EUR | 5,642 EUR |
| 2023 | 1 | 1,350 EUR | 1,350 EUR |
| 2022 | 1 | 136 EUR | 136 EUR |
Schemes
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,407 companies in sector 46180 we hold annual accounts for 1,875. 950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2003
Fiscal year end31-12
Activities, NACEBEL
45112
46712Wholesale trade
46180Agents specialised in the wholesale of other particular products
50102
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45194
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46713Wholesale trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47300Retail sale of automotive fuel
50103
50200
52116
71100
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.