J. CALLENS
ActiveSummary
J. CALLENS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.41M and a net result of €76k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 11.56 against 3.94 in 2024; short-term debt: 5.4% and cash: 5.4% of total assets), and 5.5% of the assets are financed with debt.
Credit check 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
94.5%
Return on assets
5.1%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
18192021232425
2018 to 2025 · latest year €1.41M
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
28 d early
2023
1 d early
2021
9 d early
2020
30 d early
2019
50 d early
2018
28 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.41M▲ 5.7%
2024 · €1.34M
2018: €67k
2019: €68k
2020: €18k
2021: €55k
2023: €1.28M
2024: €1.34M
2018 → 2025
Total assets
€1.50M▼ 6.9%
2024 · €1.61M
2018: €1.45M
2019: €1.37M
2020: €1.30M
2021: €1.21M
2023: €1.84M
2024: €1.61M
2018 → 2025
Net result
€76k▲ 28.6%
2024 · €59k
2018: €20k
2019: €714
2020: €-50k
2021: €38k
2023: €1.52M
2024: €59k
2018 → 2025
Working capital
€857k▲ 8.8%
2024 · €788k
2018: €-418k
2019: €-436k
2020: €-560k
2021: €-562k
2023: €740k
2024: €788k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€18k-€55k▲ 213%€1.28M▲ 2,205%€1.34M▲ 4.6%€1.41M▲ 5.7%
Operating result€-16k-€62k€2.08M▲ 3,260%€66k▼ 96.8%€99k▲ 49.6%
Net result€-50k-€38k€1.52M▲ 3,934%€59k▼ 96.1%€76k▲ 28.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 50% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.50M
Fixed assets
€558k ▲ 1.1%
Current assets
€938k ▼ 11.1%
Equity and liabilities €1.50M
Equity
€1.41M ▲ 5.7%
Debt
€83k ▼ 69.3%
Debt's share of the balance-sheet total falls from 16.8% to 5.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€131k▲
2024 · €100k
Cash flow
€109k▲
2024 · €93k
Current ratio
11.56▲
2024 · 3.94
Debt to equity
0.06▼
2024 · 0.20
ROE
5.4%▲
2024 · 4.4%
ROA
5.1%▲
2024 · 3.7%
Interest coverage
31.24▲
2024 · 17.89
Debt ≤ 1 year
€81k▼
2024 · €268k
Income taxes
€42k▲
2024 · €34k
Staff costs
€279k▼
2024 · €399k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.61M€1.50M▼
Fixed assets21/28€552k€558k▲
Tangible fixed assets22/27€548k€556k▲
Land and buildings22€459k€444k▼
Plant, machinery and equipment23€33k€66k▲
Furniture and vehicles24€46k€25k▼
Other tangible fixed assets26€9k€20k▲
Financial fixed assets28€3k€2k▼
Current assets29/58€1.06M€938k▼
Stocks and contracts in progress3€25k€0▼
Stocks30/36€25k€0▼
Amounts receivable within one year40/41€129k€91k▼
Trade receivables40€91k€42k▼
Other amounts receivable41€38k€49k▲
Current investments50/53€750k€758k▲
Cash at bank and in hand54/58€142k€81k▼
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.61M€1.50M▼
Equity10/15€1.34M€1.41M▲
Contributions10/11€12k€12k=
Reserves13€612k€688k▲
Distributable reserves133€612k€688k▲
Profit (loss) carried forward14€713k€713k=
Amounts payable17/49€270k€83k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€268k€81k▼
Current portion of amounts payable after more than one year42€894€0▼
Trade debts44€194k€28k▼
Suppliers440/4€194k€28k▼
Taxes, remuneration and social security45€64k€45k▼
Taxes450/3€30k€45k▲
Remuneration and social security454/9€34k€0▼
Other amounts payable47/48€8k€8k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€4k€63k▲
Remuneration, social security and pensions62€399k€279k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€32k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€3k€4k▲
Other operating charges640/8€14k€13k▼
Non-recurring operating charges66A€178€0▼
Gross operating margin9900€515k€426k▼
Operating profit (loss)9901€66k€99k▲
Financial income75/76B€33k€24k▼
Recurring financial income75€33k€24k▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€93k€119k▲
Income taxes67/77€34k€42k▲
Profit (loss) for the period9904€59k€76k▲
Profit (loss) for the period to be appropriated9905€59k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€772k€789k▲
Profit (loss) brought forward from the previous period14P€713k€713k=
Transfer to equity691/2€59k€76k▲
To other reserves6921€59k€76k▲
Social balance
Average headcount (FTE)908710.20.0▼
The notes to these accounts (14 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Liquidity triplescurrent ratio 11.56
Current ratio from 3.94 to 11.56; short-term debt falls from €268k to €81k.
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €1.52M ▲3934%
Operating result €2.08M, net result €1.52M, both a record.
30-09
Financial
Liquidity times 8current ratio 2.32
Current ratio from 0.30 to 2.32; short-term debt falls from €804k to €560k.
30-09
Financial
Equity above €1MEq €1.28M ▲2205%
2 profitable years in a row build equity to €1.28M.
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-50k ▼7107%
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
13-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kortrijk · 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.
Eikendreef(Rol) 228510 KortrijkGround area
1,099 m²
Building footprint
238 m²
Volume, LiDAR
1,148 m³
Parcel 34033C0218/00V000, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J. Callens
since 19982.112.512.223
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34033C0218/00V000 | Flanders | 1,099 m² | 1 · 238 m² | 8.5 m · 1 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
875500XH79INCRPP2B13
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Of 3,827 companies in sector 47210 we hold annual accounts for 966. 287 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
Founded03-09-1991
Fiscal year end30-09
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
46319Wholesale of fruit and vegetables, excluding potatoes
46389Wholesale of other food products
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesWebsite:www.fruithandel-callens.be
E-mail:info@fruithandel-callens.be
Phone:056 25 27 37
Fax:056 25 27 38