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Generated 12-08-2026
Active BE 1003.369.978Private limited company

Caluwé & Partners

Beekstraat(SP) 7 ·9170 Sint-Gillis-Waas, Belgium· 2 yrs active
Sector: Activiteiten van verzekeringsagenten en -makelaars (66220)
Conclusion Checked

Caluwé & Partners is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €87k and a net result of €84k. Its solvency ranks better than 70% of 768 sector peers (fiscal year 2024). 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 1 annual account.
Key figures
Equity €87k
Net result €84k
Staff (FTE) 0.2
Better than sector 70%
Snowflake analysis 3 of 5 axes measured · computed by Checked
Health-Profitability100Solvency100Growth-Stability67
89 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 100
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 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.
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview1 NBB filings
Annual accounts filed on 22-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 64.8% 38.7%
better than 70% of 768 sector peers
Net result €84k €28k
better than 81% of 767 sector peers
Equity €87k €63k
better than 60% of 768 sector peers
Gross operating margin €117k €67k
better than 66% of 765 sector peers
Staff costs €5k €63k
higher than 13% of 268 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€84k
Cash flown/a
Staff costs€5k
Income taxes€23k
Dividends-
Total assets€135k
Equity€87k
Debt€47k
of which ≤ 1y€37k
of which > 1y-
Working capitaln/a
Employees (FTE)0.2
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency64.8%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA62.2%
ROE96.0%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€135k
Fixed assets 21/28€1k
Tangible fixed assets 22/27€1k
Financial fixed assets 28€62
Current assets 29/58€134k
Amounts receivable within one year 40/41€50k
Cash & bank 54/58€83k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€135k
Equity 10/15€87k
Contributions / capital 10/11€4k
Reserves 13€84k
Amounts payable 17/49€47k
Amounts payable within one year 42/48€37k
Trade debts payable within one year 44€9k
Income statement
Gross operating margin 9900€117k
Operating result 9901€107k
Financial income 75€0
Financial charges 65€95
Result before taxes 9903€107k
Income taxes 67/77€23k
Net result for the period 9904€84k
Result to be appropriated 9905€84k
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van verzekeringsagenten en -makelaars(66220)
Legal form Private limited company(610)
Incorporation14-12-2023
StatusActive
Postal code9170
Establishment units 1 location
Mercatorstraat 102, 9100 Sint-Niklaas
Activiteiten van verzekeringsagenten en -makelaars
since 20232.355.599.171
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46443E0146/00F002 Flanders 329 m² 1 · 298 m² 10.0 m · 3 fl.
46022A0892/00L000
ProtectedTownscape or village viewDorpskom Sint-PauwelsSource ↗
 Flanders 262 m² 1 · 79 m² 14.0 m
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
20-11-2025
State Gazette act Registered-office change
v3.2
22-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
18-12-2023
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
Address history · 1
20-11-2025
v3.2
All acts · 2 updated 8 months ago
2025
20-11-2025 Registered office moved from Sint-Niklaas to Sint-Gillis-Waas Registered-office change
  • Mercatorstraat 102, 9100 Sint-Niklaas → Beekstraat 7, 9170 Sint-Gillis-Waas
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Sint-Gillis-Waas",
        "region": "Vlaams Gewest",
        "street": "Beekstraat",
        "country": "BE",
        "postcode": "9170",
        "box_number": "B000",
        "street_number": "7"
      },
      "old_address": {
        "city": "Sint-Niklaas",
        "region": "Vlaams Gewest",
        "street": "Mercatorstraat",
        "country": "BE",
        "postcode": "9100",
        "box_number": null,
        "street_number": "102"
      },
      "effective_date": "2025-10-13",
      "evidence_quote": "om de zetel van de vennootschap te verplaatsen naar 9170 Sint-Gillis-Waas (Sint-Pauwels), Beekstraat 7/B000."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1003.369.978",
    "name_full": "CALUWE \u0026 PARTNERS",
    "legal_form": "BV"
  }
}
2023
18-12-2023 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "9100 Sint-Niklaas, Mercatorstraat 102",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1989-03-06",
        "name": "Mathias Caluw\u00E9",
        "niss": null,
        "address": "Beekstraat 7/B000, 9170 Sint-Gillis-Waas (Sint-Pauwels)"
      },
      "share_class": "Aandelen",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3500,
      "holder_person_name": "Mathias Caluw\u00E9",
      "is_subscriber_only": true,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 3500,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 3500,
  "subject_company": {
    "kbo": "1003.369.978",
    "name_full": "CALUW\u00C9 \u0026 PARTNERS",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2023-12-12",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van verzekeringsagenten en -makelaars66220Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Schatten en evalueren van onroerend goed voor een vast bedrag of op contractbasis68322Overige bemiddeling in en beheer van onroerend goed voor een vast bedrag of op contractbasis, neg68329
Primary activity highlighted.
Names & trade names
Legal nameNL Caluwé & Partners
Registered office
Beekstraat(SP) 7 bus B
9170 Sint-Gillis-Waas, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 477 of 4,661 companies in this sector with filed accounts
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WOLUWE ASSURFINANCE BE 0726.555.140 · Sint-Pieters-Woluwe
Verzekeringen A12 Rupel BE 0728.765.156 · Aartselaar
PNC ASSURANCES BE 0891.800.776 · Brussel
KANTOOR CASSIMONS BE 1000.939.634 · Londerzeel
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative