GROUP CAL
ActiveThe computed 12-month bankruptcy probability of GROUP CAL is 2.0% (moderate). The 2024 annual accounts show negative equity (€-134k) and a net result of €-27k. Equity is shrinking by ~42.7% per year across the filed fiscal years. Its solvency ranks better than 8% of 15868 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
28
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29 against 0.29 in 2023; short-term debt: 191.8% and cash: 31% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-151.5%
Return on assets
-30.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-134k
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
64 d early
2022
32 d early
2021
34 d early
2020
31 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-134k▼ 25.3%
2023 · €-107k
2018: €18k
2019: €24k
2020: €-35k
2021: €-59k
2022: €-74k
2023: €-107k
2018 → 2024
Total assets
€89k▼ 6.7%
2023 · €95k
2018: €134k
2019: €58k
2020: €129k
2021: €128k
2022: €137k
2023: €95k
2018 → 2024
Net result
€-27k▲ 18.1%
2023 · €-33k
2018: €9k
2019: €6k
2020: €-59k
2021: €-24k
2022: €-15k
2023: €-33k
2018 → 2024
Working capital
€-120k▼ 25.6%
2023 · €-96k
2018: €50k
2019: €-8k
2020: €-71k
2021: €-86k
2022: €-59k
2023: €-96k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-35k-€-59k▼ 69.6%€-74k▼ 24.5%€-107k▼ 44.8%€-134k▼ 25.3%
Operating result€-53k-€-19k▲ 64.9%€-9k▲ 52.0%€-27k▼ 197%€-22k▲ 15.7%
Net result€-59k-€-24k▲ 58.4%€-15k▲ 40.4%€-33k▼ 128%€-27k▲ 18.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €22k in 2024 against €27k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €89k
Fixed assets
€39k▼ 31.1%
Current assets
€50k▲ 29.4%
Key figures and ratios
EBITDA
€-4k▲
2023 · €-9k
Cash flow
€-9k▲
2023 · €-15k
Solvency
-151.5%▼
2023 · -112.8%
Current ratio
0.29▲
2023 · 0.29
Quick ratio
0.16▼
2023 · 0.19
Debt / equity
-1.66▲
2023 · -1.89
ROA
-30.6%▲
2023 · -34.9%
Interest coverage
-1.08▲
2023 · -1.52
Debt
€223k▲
2023 · €202k
Debt ≤ 1 year
€170k▲
2023 · €134k
Debt > 1 year
€53k▼
2023 · €68k
Income taxes
€681▲
2023 · €678
Staff costs
€110k▲
2023 · €108k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€95k€89k▼
Fixed assets21/28€57k€39k▼
Tangible fixed assets22/27€43k€25k▼
Furniture and vehicles24€43k€25k▼
Financial fixed assets28€14k€14k▲
Current assets29/58€38k€50k▲
Stocks and contracts in progress3€13k€22k▲
Stocks30/36€13k€22k▲
Amounts receivable within one year40/41€3k€407▼
Trade receivables40€3k€407▼
Cash at bank and in hand54/58€23k€27k▲
Equity and liabilities
Total equity and liabilities10/49€95k€89k▼
Equity10/15€-107k€-134k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-126k€-153k▼
Amounts payable17/49€202k€223k▲
Amounts payable after more than one year17€68k€53k▼
Financial debts170/4€68k€53k▼
Amounts payable within one year42/48€134k€170k▲
Current portion of amounts payable after more than one year42€19k€15k▼
Trade debts44€45k€81k▲
Suppliers440/4€45k€81k▲
Advances received on contracts in progress46-€10k
Taxes, remuneration and social security45€37k€33k▼
Taxes450/3€10k€8k▼
Remuneration and social security454/9€26k€25k▼
Other amounts payable47/48€33k€31k▼
Income statement
Code20232024
Remuneration, social security and pensions62€108k€110k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲
Other operating charges640/8€9k€3k▼
Gross operating margin9900€108k€108k=
Operating profit (loss)9901€-27k€-22k▲
Financial income75/76B€0€106▲
Recurring financial income75€0€106▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€-32k€-26k▲
Income taxes67/77€678€681▲
Profit (loss) for the period9904€-33k€-27k▲
Profit (loss) for the period to be appropriated9905€-33k€-27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-126k€-153k▼
Profit (loss) brought forward from the previous period14P€-93k€-126k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-59k ▼1131%
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Genk · 2 establishment units since 2016
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.
Onderwijslaan 633600 GenkGround area
6,602 m²
Building footprint
2,410 m²
Volume, LiDAR
15,213 m³
2 parcels, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Cal-Flowers
since 20162.257.591.262
Mols bloemenhuis
since 20172.270.930.049
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F1268/00B000 | Flanders | 5,631 m² | 1 · 1,911 m² | 10.8 m · 2 fl. |
| 71308A0827/00Y116 | Flanders | 971 m² | 1 · 499 m² | 11.6 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
2 sitesGenk2.257.591.262
Mol2.270.930.049
Similar companies · same sector, comparable size
PRIMAPLANT
BE 0465.682.647
Genk · Eq €24k
VALFRESE
BE 0767.630.284
Schilde · Eq €23k
Tuinen De Sloover
BE 0428.210.260
Gent · Eq €25k
Bloemen Gill
BE 0779.282.063
Genk · Eq €25k
BLOEMEN VANNERUM BVBA
BE 0884.109.072
Oud-Heverlee · Eq €22k
Of 552 companies in sector 46220 we hold annual accounts for 307. 170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2016
Fiscal year end31-12
Activities, NACEBEL
46220Wholesale trade
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.