CALYS GROUP
ActiveSummary
CALYS GROUP has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €288k and a net result of €13k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-10
Solvency100▲+1
Growth55▼-16
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 7.8 against 3.97 in 2024; short-term debt: 10.5% and cash: 11.3% of total assets), and 12.5% 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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.5%
Return on assets
3.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
235 d late
2022
135 d late
2021
152 d late
2020
58 d late
2019
105 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€466k▲ 8.4%
2023 · €430k
2018: €298k
2019: €323k
2020: €313k
2021: €423k
2022: €397k
2023: €430k
2018 → 2024
EBIT margin
14.1%▲ 0.9pp
2023 · 13.2%
2018: 7.2%
2019: 2.1%
2020: 9.0%
2021: 13.8%
2022: 12.3%
2023: 13.2%
2018 → 2024
Net result
€13k▼ 68.3%
2024 · €40k
2018: €14k
2019: €-725
2020: €20k
2021: €57k
2022: €33k
2023: €38k
2024: €40k
2018 → 2025
Working capital
€235k▲ 0.9%
2024 · €233k
2018: €91k
2019: €91k
2020: €105k
2021: €157k
2022: €187k
2023: €224k
2024: €233k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€423k-€397k▼ 6.0%€430k▲ 8.1%€466k▲ 8.4%
Equity€169k-€202k▲ 19.8%€241k▲ 19.0%€280k▲ 16.5%€288k▲ 2.7%
Operating result€59k-€49k▼ 16.2%€57k▲ 15.6%€66k▲ 16.2%€24k▼ 63.1%
Net result€57k-€33k▼ 41.5%€38k▲ 15.1%€40k▲ 3.2%€13k▼ 68.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 63% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €329k
Fixed assets
€59k ▼ 14.5%
Current assets
€270k ▼ 13.4%
Equity and liabilities €329k
Equity
€288k ▲ 2.7%
Debt
€41k ▼ 59.0%
Debt's share of the balance-sheet total falls from 26.4% to 12.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €66k
Cash flow
€18k▼
2024 · €40k
Current ratio
7.80▲
2024 · 3.97
Quick ratio
7.75▲
2024 · 3.95
Debt to equity
0.14▼
2024 · 0.36
ROE
4.4%▼
2024 · 14.2%
ROA
3.8%▼
2024 · 10.4%
Interest coverage
5.53▼
2024 · 15.21
Debt ≤ 1 year
€35k▼
2024 · €78k
Debt > 1 year
€6k▼
2024 · €22k
Income taxes
€6k▼
2024 · €22k
Staff costs
€110k▲
2024 · €101k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€381k€329k▼
Fixed assets21/28€70k€59k▼
Tangible fixed assets22/27€19k€9k▼
Furniture and vehicles24€15k€5k▼
Other tangible fixed assets26€4k€4k=
Financial fixed assets28€51k€51k=
Current assets29/58€312k€270k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€226k€227k▲
Trade receivables40€113k€102k▼
Other amounts receivable41€113k€125k▲
Cash at bank and in hand54/58€82k€37k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€381k€329k▼
Equity10/15€280k€288k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€260k€268k▲
Amounts payable17/49€101k€41k▼
Amounts payable after more than one year17€22k€6k▼
Financial debts170/4€22k€6k▼
Amounts payable within one year42/48€78k€35k▼
Trade debts44€18k€3k▼
Suppliers440/4€18k€3k▼
Advances received on contracts in progress46€361€361=
Taxes, remuneration and social security45€60k€31k▼
Taxes450/3€41k€13k▼
Remuneration and social security454/9€19k€18k▼
Accrued charges and deferred income492/3€432€432=
Income statement
Code20242025
Turnover70€466k-
Goods, raw materials, services and sundry goods60/61€279k-
Remuneration, social security and pensions62€101k€110k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0€5k▲
Other operating charges640/8€19k€23k▲
Gross operating margin9900€187k€162k▼
Operating profit (loss)9901€66k€24k▼
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€62k€19k▼
Income taxes67/77€22k€6k▼
Profit (loss) for the period9904€40k€13k▼
Profit (loss) for the period to be appropriated9905€40k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€260k€268k▲
Profit (loss) brought forward from the previous period14P€220k€255k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
23-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 235 days late
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 135 days late
2022
31-12
Financial
Equity above €200kEq €202k ▲19.8%
3 profitable years in a row build equity to €202k.
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
2021
31-12
Financial
Highest result since 2018net €57k ▲189%
Net result €57k, the highest in the series.
31-12
Financial
Equity above €150kEq €169k ▲51.1%
2 profitable years in a row build equity to €169k.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 58 days late
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Equity above €100kEq €112k ▲21.5%
Equity rises from €92k to €112k.
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 105 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €-725 ▼105%
Net result drops to €-725, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 5.40
Current ratio from 1.98 to 5.40; short-term debt falls from €93k to €21k.
23-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 84 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 61 days late
19-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 203 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Verviers · 1 establishment unit since 1998
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.
Avenue Jean Tasté 1074802 VerviersGround area
693 m²
Building footprint
134 m²
Volume, LiDAR
637 m³
2 parcels, Wallonia · tallest building 11.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
VERT'TIGE
since 19982.088.886.090
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0524/00Z009 | Wallonia | 354 m² | 1 · 72 m² | - |
| 63036A0524/00W009 | Wallonia | 339 m² | 1 · 61 m² | 11.7 m · 4 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
JARDINERIE DES CORETTES
BE 0873.504.596
Bertrix · Eq €288k
DESAELE
BE 0845.517.128
Roeselare · Eq €287k
AUX FLORALIES
BE 0433.277.026
Bastogne · Eq €290k
QUILLAJA FLOWERS
BE 0451.085.236
Grimbergen · Eq €292k
FLOWER LAND
BE 0896.496.170
Wavre · Eq €283k
Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 894 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 formPrivate limited company
Founded23-09-1998
Fiscal year end31-12
Activities, NACEBEL 2025
46220Wholesale trade
47761Retail sale of flowers, plants, seeds and fertilisers
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.