Active BE 0797.556.071Private limited company

CALT

Achterstraat 65 ·2910 Essen, Belgium· 3 yrs active

Sector: Certified accountants and tax accountants (69201)

Conclusion Checked

CALT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €57k. Its solvency ranks better than 77% of 204 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€116k
Net result	€57k
Better than sector	77%
Active	3 yrs

Financial profile 5 of 5 axes measured · computed by Checked

88 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 100

Solvency 100

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More 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, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 03-12-2025 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 69, Legal and accounting activities · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	70.7%	23.6%	better than 77% of 204 sector peers
Net result	€57k	€169k	better than 25% of 204 sector peers
Equity	€116k	€195k	better than 38% of 204 sector peers
Gross operating margin	€80k	€579k	better than 20% of 204 sector peers
Total assets	€164k	€1.38M	better than 13% of 204 sector peers

EBITDA

€78k

-1.3% 24-25

Net profit

€57k

-1.0% 24-25

Cash flow

€57k

-1.2% 24-25

Total assets

€164k

+31.1% 24-25

Equity

€116k

+90.8% 24-25

Working capital

€51k

+3303.6% 24-25

Income taxes

€20k

-6.5% 24-25

Dividends

€2k

0.0% 24-25

Debt

€48k

-25.3% 24-25

Debt ≤ 1y

€21k

-31.7% 24-25

Debt > 1y

€27k

-19.4% 24-25

Current ratio

3.40

+224.8% 24-25

Quick ratio

3.40

+224.8% 24-25

Solvency

70.7%

+45.6% 24-25

Debt / equity

0.41

-60.9% 24-25

ROE

49.0%

-48.1% 24-25

ROA

34.6%

-24.5% 24-25

Interest coverage

63.46

-88.3% 24-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	abbreviated schema
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)	-

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Balance-sheet composition 2025

Assets

Fixed assets €92k · 56.2% Current assets €72k · 43.8%

Equity & liabilities

Equity €116k · 70.7% Debt €48k · 29.3%

Full annual accounts (24 line items)

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

Legal Structure

NACE primary	Certified accountants and tax accountants(69201)
Legal form	Private limited company(610)
Incorporation	24-01-2023
Status	Active
Postal code	2910

Establishment units 1 location

CALT

Achterstraat 65, 2910 EssenCertified accountants and tax accountants

since 20232.340.561.696

Real-estate footprint Source: CBE × cadastre

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 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 2 events

All 4Financial 2Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2025

03-12

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

30-06

Financial Liquidity triplescurrent ratio 3.40

Current ratio from 1.05 to 3.40; short-term debt falls from €31k to €21k.

30-06

Financial Equity above €100kEq €116k ▲90.8%

2 profitable years in a row build equity to €116k.

2024

30-12

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Certified accountants and tax accountants69201

Names & trade names

Legal nameNL

CALT

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