CALUBERNA HOLDING
ActiveCALUBERNA HOLDING has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-3.77M) and a net result of €62k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 6% of 2273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+40
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29 against 0.26 in 2024; short-term debt: 172.1% and cash: 10.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-72.1%
Return on assets
1.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 2273 sector peers (2025).
NBB · sector comparisonPosition among 2273 sector peers
Solvency
better than 6%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
7 d early
2023
29 d late
2022
5 d early
2021
31 d late
2020
51 d early
2019
55 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€-3.77M▲ 1.6%
2024 · €-3.83M
2018: €8.65M
2019: €8.65M
2020: €8.68M
2021: €9.32M
2022: €9.34M
2023: €8.76M
2024: €-3.83M
2018 → 2025
Total assets
€5.23M▲ 1.3%
2024 · €5.16M
2018: €13.40M
2019: €13.40M
2020: €13.44M
2021: €17.00M
2022: €16.98M
2023: €16.42M
2024: €5.16M
2018 → 2025
Net result
€62k
2024 · €-12.60M
2018: €59k
2019: €14k
2020: €29k
2021: €632k
2022: €21k
2023: €-572k
2024: €-12.60M
2018 → 2025
Working capital
€-6.41M▲ 3.5%
2024 · €-6.65M
2018: €-4.37M
2019: €-4.37M
2020: €-4.34M
2021: €-6.74M
2022: €-6.72M
2023: €-6.53M
2024: €-6.65M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9.32M-€9.34M▲ 0.2%€8.76M▼ 6.1%€-3.83M€-3.77M▲ 1.6%
Operating result€4k-€9k▲ 125%€-5k€15k€-26k
Net result€632k-€21k▼ 96.7%€-572k€-12.60M▼ 2,104%€62k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26k after €15k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.23M
Fixed assets
€2.64M▼ 6.1%
Current assets
€2.59M▲ 10.2%
Key figures and ratios
Solvency
-72.1%▲
2024 · -74.3%
Current ratio
0.29▲
2024 · 0.26
Quick ratio
0.29▲
2024 · 0.26
Debt / equity
-2.39▼
2024 · -2.35
ROA
1.2%▲
2024 · -244.1%
Debt
€9.00M▲
2024 · €8.99M
Debt ≤ 1 year
€9.00M▲
2024 · €8.99M
Income taxes
€4k
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€5.16M€5.23M▲
Fixed assets21/28€2.81M€2.64M▼
Financial fixed assets28€2.81M€2.64M▼
Current assets29/58€2.35M€2.59M▲
Amounts receivable within one year40/41€13k€22k▲
Trade receivables40€9k€10k▲
Other amounts receivable41€4k€12k▲
Current investments50/53€2.00M€2.02M▲
Cash at bank and in hand54/58€325k€535k▲
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€5.16M€5.23M▲
Equity10/15€-3.83M€-3.77M▲
Contributions10/11€7.51M€7.51M=
Profit (loss) carried forward14€-11.34M€-11.28M▲
Amounts payable17/49€8.99M€9.00M▲
Amounts payable within one year42/48€8.99M€9.00M▲
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€8.99M€8.99M=
Accrued charges and deferred income492/3€73€0▼
Income statement
Code20242025
Other operating charges640/8€3k€4k▲
Gross operating margin9900€18k€-22k▼
Operating profit (loss)9901€15k€-26k▼
Financial income75/76B€55k€92k▲
Recurring financial income75€55k€92k▲
Financial charges65/66B€12.67M€437▼
Recurring financial charges65€3k€437▼
Non-recurring financial charges66B€12.66M€0▼
Profit (loss) for the period before taxes9903€-12.60M€66k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-12.60M€62k▲
Profit (loss) for the period to be appropriated9905€-12.60M€62k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12.60M€-11.28M▲
Profit (loss) brought forward from the previous period14P-€-11.34M
Transfer from equity791/2€1.26M€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (9 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Back to profitnet €62k
Net result €62k after 2 loss-making years.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-12.60M
Net result drops to €-12.60M, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €632k ▲2061%
Net result €632k, the highest in the series.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 55 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
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
5 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, Lier · 1 establishment unit since 2010
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.
Aarschotsesteenweg 2842500 LierGround area
8,085 m²
Building footprint
336 m²
Volume, LiDAR
1,789 m³
Parcel 12019A0367/00F000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CALUBERNA HOLDING
since 20102.191.236.631
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12019A0367/00F000 | Flanders | 8,085 m² | 1 · 336 m² | 10.1 m · 2 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.
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Group Invist
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 1,254 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2010
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.