CALVY MANAGEMENT
ActiveSummary
CALVY MANAGEMENT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €38k. Its solvency ranks better than 44% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency78▲+42
Growth78
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 0.97 in 2024; short-term debt: 47% and cash: 66.3% of total assets), and 47% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-10-2025, 8 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
8 d early
2024
6 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 323%
2024 · €12k
2024: €12k
2024 → 2025
Total assets
€94k▼ 14.1%
2024 · €109k
2024: €109k
2024 → 2025
Net result
€38k▲ 57.2%
2024 · €24k
2024: €24k
2024 → 2025
Working capital
€44k
2024 · €-3k
2024: €-3k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€12k-€50k▲ 323%
Operating result€35k-€57k▲ 63.8%
Net result€24k-€38k▲ 57.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 64% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€5k ▼ 63.0%
Current assets
€88k ▼ 6.5%
Equity and liabilities €94k
Equity
€50k ▲ 323%
Debt
€44k ▼ 54.7%
Debt's share of the balance-sheet total falls from 89.2% to 47.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66k▲
2024 · €48k
Cash flow
€47k▲
2024 · €37k
Current ratio
2.01▲
2024 · 0.97
Debt to equity
0.89▼
2024 · 8.29
ROE
76.4%▼
2024 · 205.5%
ROA
40.5%▲
2024 · 22.1%
Interest coverage
404.69▲
2024 · 193.16
Debt ≤ 1 year
€44k▼
2024 · €97k
Income taxes
€19k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€109k€94k▼
Fixed assets21/28€15k€5k▼
Tangible fixed assets22/27€14k€4k▼
Furniture and vehicles24€14k€4k▼
Financial fixed assets28€1k€1k=
Current assets29/58€94k€88k▼
Amounts receivable within one year40/41€23k€24k▲
Trade receivables40€23k€24k▲
Cash at bank and in hand54/58€69k€62k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€109k€94k▼
Equity10/15€12k€50k▲
Contributions10/11€10€10=
Profit (loss) carried forward14€12k€50k▲
Amounts payable17/49€97k€44k▼
Amounts payable within one year42/48€97k€44k▼
Current portion of amounts payable after more than one year42€3k-
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€20k€28k▲
Taxes450/3€20k€28k▲
Other amounts payable47/48€72k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€9k▼
Other operating charges640/8€442€1k▲
Gross operating margin9900€48k€67k▲
Operating profit (loss)9901€35k€57k▲
Financial charges65/66B€246€163▼
Recurring financial charges65€246€163▼
Profit (loss) for the period before taxes9903€35k€57k▲
Income taxes67/77€10k€19k▲
Profit (loss) for the period9904€24k€38k▲
Profit (loss) for the period to be appropriated9905€24k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€71k€50k▼
Profit (loss) brought forward from the previous period14P€47k€12k▼
Profit to be distributed694/7€59k-
Directors or managers695€59k-
The notes to these accounts (5 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
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 2.01
Current ratio from 0.97 to 2.01; short-term debt falls from €97k to €44k.
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro 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, Houyet · 1 establishment unit since 2020
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.
Rue du Biran, Wanlin 175564 HouyetGround area
1,245 m²
Building footprint
481 m²
Volume, LiDAR
2,530 m³
2 parcels, Brussels, Wallonia · tallest building 16.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CALVY MANAGEMENT
since 20202.300.161.394
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91133A0311/00D000 | Wallonia | 1,023 m² | 1 · 133 m² | - |
| 21447B0274/00M009 | Brussels | 222 m² | 1 · 348 m² | 16.8 m · 1 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
BRENSO
BE 0475.424.615
Aalst · Eq €49,619
GD INFORMATIQUE
BE 0658.847.655
Le Roeulx · Eq €49,626
Yadeki
BE 0799.776.777
Nijlen · Eq €49,627
lissensp.be
BE 0790.159.426
Boortmeerbeek · Eq €49,627
LUMIT
BE 0842.640.186
Nijlen · Eq €49,611
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,346 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded12-02-2020
Fiscal year end31-03
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.