Age3 yrs
Real estate1 parcel · 98 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CALT is 0.3% (very low). The 2025 annual accounts show equity of €116k and a net result of €57k. Its solvency ranks better than 79% of 196 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Trust signals
3 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.3%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€57k-1.0%
Working capital€51k+3303.6%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 03-12-2025 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 70.7% | 21.3% | |
| Net result | €57k | €167k | |
| Equity | €116k | €189k | |
| Gross operating margin | €80k | €579k | |
| Total assets | €164k | €1.33M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€78k
-1.3%
+120% vs sector
€57k
-1.0%
+72% vs sector
€57k
-1.2%
+18% vs sector
€164k
+31.1%
-74% vs sector
€116k
+90.8%
-80% vs sector
€51k
+3303.6%
-89% vs sector
€20k
-6.5%
+23% vs sector
€2k
0.0%
-98% vs sector
€48k
-25.3%
-74% vs sector
€21k
-31.7%
-72% vs sector
€27k
-19.4%
-68% vs sector
3.40
+224.8%
-66% vs sector
3.40
+224.8%
-66% vs sector
70.7%
+45.6%
-9% vs sector
0.41
-60.9%
+41% vs sector
49.0%
-48.1%
far above sector median
34.6%
-24.5%
far above sector median
63.46
-88.3%
+48% vs sector
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €78k |
| Net profit | €57k |
| Cash flow | €57k |
| Staff costs | - |
| Income taxes | €20k |
| Dividends | €2k |
| Total assets | €164k |
| Equity | €116k |
| Debt | €48k |
| of which ≤ 1y | €21k |
| of which > 1y | €27k |
| Working capital | €51k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 3.40 |
| Quick ratio | 3.40 |
| Working capital ratio | 31.0% |
| Solvency | 70.7% |
| Debt / equity | 0.41 |
| Long-term debt ratio | 0.23 |
| Interest coverage | 63.46 |
| Gross margin | - |
| Net margin | - |
| ROA | 34.6% |
| ROE | 49.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €164k |
| Fixed assets | 21/28 | €92k |
| Tangible fixed assets | 22/27 | €2k |
| Financial fixed assets | 28 | €90k |
| Current assets | 29/58 | €72k |
| Amounts receivable within one year | 40/41 | €13k |
| Cash & bank | 54/58 | €57k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €164k |
| Equity | 10/15 | €116k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €111k |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €48k |
| Amounts payable after one year | 17 | €27k |
| Amounts payable within one year | 42/48 | €21k |
| Trade debts payable within one year | 44 | €577 |
| Income statement | ||
| Gross operating margin | 9900 | €80k |
| Operating result | 9901 | €78k |
| Financial income | 75 | €39 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €77k |
| Income taxes | 67/77 | €20k |
| Net result for the period | 9904 | €57k |
| Result to be appropriated | 9905 | €57k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computed93
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationCALT
since 20232.340.561.696
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area98 m²
Buildings1
Building footprint98 m²
Volume (LiDAR)513 m³
Tallest building7.6 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642D0531/00C023 | Flanders | 98 m² | 1 · 98 m² | 7.6 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes88
/ 100
Exceptional profile, strong across almost every axis.
Health
93
Profitability
100
Solvency
100
Growth
52
Stability
94
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads BankActivities
Accountants en belastingconsulenten69201Activiteiten van (gecertificeerde) (fiscaal) accountants69201
Primary activity highlighted.
Names & trade names
| Legal nameNL | CALT |
Registered office
Achterstraat 65
2910 Essen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.