JAN DE CALUWE
ActiveJAN DE CALUWE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.06M and a net result of €49k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 88% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-2
Solvency100=
Growth60▼-2
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 12.08 against 7.34 in 2024; short-term debt: 6.7% of total assets), and 7.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
92.9%
Return on assets
4.3%
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 17-08-2026, 17 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
17 d late
2024
48 d late
2023
30 d late
2022
30 d late
2021
39 d early
2020
27 d late
2019
70 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€222k▼ 4.6%
2024 · €232k
2023: €235k
2024: €232k
2023 → 2025
EBIT margin
33.4%▼ 10.5pp
2024 · 43.9%
2023: 32.5%
2024: 43.9%
2023 → 2025
Net result
€49k▼ 35.2%
2024 · €76k
2018: €32k
2019: €-8k
2020: €8k
2021: €29k
2022: €50k
2023: €57k
2024: €76k
2018 → 2025
Working capital
€839k▲ 8.3%
2024 · €775k
2018: €482k
2019: €479k
2020: €504k
2021: €549k
2022: €613k
2023: €683k
2024: €775k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€235k€232k▼ 1.1%€222k▼ 4.6%
Equity€825k-€874k▲ 6.0%€932k▲ 6.5%€1.01M▲ 8.2%€1.06M▲ 4.9%
Operating result€46k-€77k▲ 67.0%€76k▼ 0.8%€102k▲ 33.4%€74k▼ 27.4%
Net result€29k-€50k▲ 72.8%€57k▲ 14.6%€76k▲ 33.5%€49k▼ 35.2%
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 falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€224k▼ 6.2%
Current assets
€915k▲ 2.0%
Equity and liabilities €1.14M
Equity
€1.06M▲ 4.9%
Provisions
€5k=
Debt
€76k▼ 38.1%
The debt ratio falls from 10.8% to 6.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▼
2024 · €117k
Cash flow
€64k▼
2024 · €91k
Solvency
92.9%▲
2024 · 88.8%
Current ratio
12.08▲
2024 · 7.34
Quick ratio
12.08▲
2024 · 7.34
Debt / equity
0.07▼
2024 · 0.12
ROE
4.7%▼
2024 · 7.6%
ROA
4.3%▼
2024 · 6.7%
Interest coverage
14.82▼
2024 · 34.57
Debt
€76k▼
2024 · €122k
Debt ≤ 1 year
€76k▼
2024 · €122k
Income taxes
€19k▼
2024 · €22k
Staff costs
€41k▼
2024 · €42k
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€1.14M€1.14M▲
Fixed assets21/28€238k€224k▼
Tangible fixed assets22/27€238k€224k▼
Land and buildings22€233k€221k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€1k€699▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€897k€915k▲
Amounts receivable within one year40/41€881k€911k▲
Trade receivables40€83k€123k▲
Other amounts receivable41€799k€788k▼
Deferred charges and accrued income490/1€16k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.14M€1.14M▲
Equity10/15€1.01M€1.06M▲
Contributions10/11€22k€22k=
Reserves13€994k€1.04M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€992k€1.04M▲
Profit (loss) carried forward14€-8k€-8k=
Provisions and deferred taxes16€5k€5k=
Provisions for liabilities and charges160/5€5k€5k=
Pensions and similar obligations160€5k€5k=
Amounts payable17/49€122k€76k▼
Amounts payable within one year42/48€122k€76k▼
Financial debts43€29k€24k▼
Credit institutions430/8€29k€24k▼
Trade debts44€52k€8k▼
Suppliers440/4€52k€8k▼
Taxes, remuneration and social security45€42k€43k▲
Taxes450/3€42k€43k▲
Income statement
Code20242025
Turnover70€232k€222k▼
Non-recurring operating income76A€81€81=
Goods, raw materials, services and sundry goods60/61€141k€158k▲
Remuneration, social security and pensions62€42k€41k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€163k€135k▼
Operating profit (loss)9901€102k€74k▼
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€99k€68k▼
Income taxes67/77€22k€19k▼
Profit (loss) for the period9904€76k€49k▼
Profit (loss) for the period to be appropriated9905€76k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€41k▼
Profit (loss) brought forward from the previous period14P€-8k€-8k=
Transfer to equity691/2€76k€49k▼
To other reserves6921€76k€49k▼
The notes to these accounts (8 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 48 days late
2024
31-12
Financial
Highest result since 2018net €76k ▲33.5%
Operating result €102k, net result €76k, both a record.
31-12
Financial
Equity above €1MEq €1.01M ▲8.2%
5 profitable years in a row build equity to €1.01M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
22-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-8k ▼126%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 15 days late
2017
26-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Aartselaar · 1 establishment unit since 1995
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.
Helststraat 422630 AartselaarGround area
807 m²
Building footprint
161 m²
Volume, LiDAR
1,020 m³
Parcel 11372A0152/00D002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Helststraat 42, 2630 Aartselaar
since 19952.231.092.149
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11372A0152/00D002 | Flanders | 807 m² | 1 · 161 m² | 9.4 m · 2 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.
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 2,846 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-1995
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ladeca@skynet.be