GROEP CAL
ActiveGROEP CAL has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €683k and a net result of €49k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 89% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+35
Solvency100=
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 7.12 against 7.77 in 2024), and 15.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← 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
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
84.8%
Return on assets
6.1%
Age of the figures
8 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 07-08-2026, 7 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
7 d late
2024
18 d early
2023
6 d early
2022
23 d late
2021
8 d late
2020
37 d late
2019
49 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€683k▲ 7.8%
2024 · €634k
2018: €672k
2019: €708k
2020: €678k
2021: €681k
2022: €632k
2023: €633k
2024: €634k
2018 → 2025
Total assets
€806k▲ 10.5%
2024 · €729k
2018: €953k
2019: €933k
2020: €851k
2021: €803k
2022: €790k
2023: €759k
2024: €729k
2018 → 2025
Net result
€49k▲ 4,346%
2024 · €1k
2018: €89k
2019: €37k
2020: €-31k
2021: €3k
2022: €-50k
2023: €966
2024: €1k
2018 → 2025
Working capital
€608k▲ 10.7%
2024 · €550k
2018: €586k
2019: €610k
2020: €575k
2021: €575k
2022: €568k
2023: €556k
2024: €550k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€681k-€632k▼ 7.3%€633k▲ 0.2%€634k▲ 0.2%€683k▲ 7.8%
Operating result€-12k-€-67k▼ 442%€-13k▲ 81.2%€-17k▼ 35.1%€48k
Net result€3k-€-50k€966€1k▲ 15.1%€49k▲ 4,346%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €48k after a loss of €17k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €806k
Fixed assets
€98k▼ 0.4%
Current assets
€708k▲ 12.2%
Equity and liabilities €806k
Equity
€683k▲ 7.8%
Debt
€123k▲ 28.7%
The debt ratio rises from 13.1% to 15.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€59k▲
2024 · €-5k
Cash flow
€61k▲
2024 · €14k
Solvency
84.8%▼
2024 · 86.9%
Current ratio
7.12▼
2024 · 7.77
Quick ratio
7.07▼
2024 · 7.77
Debt / equity
0.18▲
2024 · 0.15
ROE
7.2%▲
2024 · 0.2%
ROA
6.1%▲
2024 · 0.2%
Interest coverage
12.23▲
2024 · -1.00
Debt
€123k▲
2024 · €95k
Debt ≤ 1 year
€99k▲
2024 · €81k
Debt > 1 year
€23k▲
2024 · €14k
Income taxes
€14k▲
2024 · €-84
Staff costs
€190k▲
2024 · €164k
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€729k€806k▲
Fixed assets21/28€98k€98k▼
Tangible fixed assets22/27€98k€98k▼
Land and buildings22€98k€98k▼
Plant, machinery and equipment23€750€500▼
Furniture and vehicles24€0-
Financial fixed assets28€0-
Current assets29/58€631k€708k▲
Stocks and contracts in progress3€0€5k▲
Contracts in progress37€0€5k▲
Amounts receivable within one year40/41€416k€414k▼
Trade receivables40€57k€47k▼
Other amounts receivable41€360k€366k▲
Current investments50/53€180k€201k▲
Cash at bank and in hand54/58€31k€86k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€729k€806k▲
Equity10/15€634k€683k▲
Contributions10/11€19k€19k=
Reserves13€615k€664k▲
Tax-exempt reserves132€32k€32k=
Distributable reserves133€583k€632k▲
Amounts payable17/49€95k€123k▲
Amounts payable after more than one year17€14k€23k▲
Financial debts170/4€14k€23k▲
Amounts payable within one year42/48€81k€99k▲
Current portion of amounts payable after more than one year42€9k€12k▲
Financial debts43€42k€42k▲
Credit institutions430/8€42k€42k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€24k€40k▲
Taxes450/3€2k€14k▲
Remuneration and social security454/9€22k€26k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€2k€500▼
Remuneration, social security and pensions62€164k€190k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€3k€9k▲
Non-recurring operating charges66A-€479
Gross operating margin9900€162k€259k▲
Operating profit (loss)9901€-17k€48k▲
Financial income75/76B€23k€20k▼
Recurring financial income75€23k€20k▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€1k€63k▲
Income taxes67/77€-84€14k▲
Profit (loss) for the period9904€1k€49k▲
Profit (loss) for the period to be appropriated9905€1k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€49k▲
Transfer to equity691/2€1k€49k▲
To other reserves6921€1k€49k▲
The notes to these accounts (15 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
13-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €966
Net result €966 after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €-50k ▼1537%
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
06-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 37 days late
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 49 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 43 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Beringen · 1 establishment unit since 2001
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.
Graaf van Loonstraat 193580 BeringenGround area
117 m²
Building footprint
117 m²
Volume, LiDAR
1,047 m³
Parcel 71004A0150/00Z007, Flanders · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Graaf van Loonstraat 19, 3580 Beringen
since 20012.091.075.718
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71004A0150/00Z007 | Flanders | 117 m² | 1 · 117 m² | 9.7 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
8945006KCG7OXP1SVM19
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Of 3,447 companies in sector 25530 we hold annual accounts for 1,644. 1,219 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-1999
Fiscal year end31-12
Activities, NACEBEL
25530Machining of metals
28520
43211General electrical installation work
45310
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.