CALAER
ActiveCALAER has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €83k and a net result of €15k. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 82% of 26056 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
93
/ 100
Excellent▲ +2 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability93▼-7
Solvency93▲+16
Growth58=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.11 in 2023), and 27.8% 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 47
Relative position
BE, all sectors
reference
Sector 47
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 · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €83k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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
not confirmed
2024
22 d late
2023
33 d early
2022
6 d early
2021
31 d late
2020
12 d late
2019
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€83k▲ 22.7%
2023 · €68k
2018: €129k
2019: €134k
2020: €133k
2021: €131k
2022: €52k
2023: €68k
2018 → 2024
Total assets
€116k▼ 6.5%
2023 · €124k
2018: €210k
2019: €228k
2020: €206k
2021: €198k
2022: €120k
2023: €124k
2018 → 2024
Net result
€15k▼ 2.7%
2023 · €16k
2018: €-6k
2019: €5k
2020: €-1k
2021: €-2k
2022: €-79k
2023: €16k
2018 → 2024
Working capital
€22k▲ 301%
2023 · €6k
2018: €74k
2019: €78k
2020: €75k
2021: €71k
2022: €-8k
2023: €6k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€133k-€131k▼ 1.4%€52k▼ 60.3%€68k▲ 30.5%€83k▲ 22.7%
Operating result€-807-€-3k▼ 285%€-79k▼ 2,452%€17k€16k▼ 4.7%
Net result€-1k-€-2k▼ 53.7%€-79k▼ 4,270%€16k€15k▼ 2.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 5% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €116k
Fixed assets
€61k▼ 9.5%
Current assets
€55k▼ 2.9%
Equity and liabilities €116k
Equity
€83k▲ 22.7%
Debt
€32k▼ 42.2%
The debt ratio falls from 45.0% to 27.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▼
2023 · €25k
Cash flow
€23k▼
2023 · €23k
Solvency
72.2%▲
2023 · 55.0%
Current ratio
1.69▲
2023 · 1.11
Quick ratio
1.01▲
2023 · 0.61
Debt / equity
0.39▼
2023 · 0.82
ROE
18.5%▼
2023 · 23.3%
ROA
13.4%▲
2023 · 12.8%
Interest coverage
24.48▲
2023 · 18.85
Debt
€32k▼
2023 · €56k
Debt ≤ 1 year
€32k▼
2023 · €51k
Income taxes
€140▲
2023 · €132
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€124k€116k▼
Fixed assets21/28€68k€61k▼
Tangible fixed assets22/27€68k€61k▼
Land and buildings22€68k€60k▼
Furniture and vehicles24-€814
Financial fixed assets28€43€43=
Current assets29/58€56k€55k▼
Stocks and contracts in progress3€25k€22k▼
Stocks30/36€25k€22k▼
Amounts receivable within one year40/41€21k€20k▼
Trade receivables40€20k€20k▼
Other amounts receivable41€258€275▲
Cash at bank and in hand54/58€9k€10k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€124k€116k▼
Equity10/15€68k€83k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€54k€69k▲
Amounts payable17/49€56k€32k▼
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€51k€32k▼
Current portion of amounts payable after more than one year42€10k€5k▼
Trade debts44€12k€103▼
Suppliers440/4€12k€103▼
Taxes, remuneration and social security45€798€896▲
Taxes450/3€798€896▲
Other amounts payable47/48€28k€26k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€26k€26k▼
Operating profit (loss)9901€17k€16k▼
Financial income75/76B€62€115▲
Recurring financial income75€62€115▲
Financial charges65/66B€1k€979▼
Recurring financial charges65€1k€979▼
Profit (loss) for the period before taxes9903€16k€16k▼
Income taxes67/77€132€140▲
Profit (loss) for the period9904€16k€15k▼
Profit (loss) for the period to be appropriated9905€16k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€69k▲
Profit (loss) brought forward from the previous period14P€38k€54k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-79k
Net result drops to €-79k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
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, Eghezée · 1 establishment unit since 2004
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.
Rue de la Chapelle 155310 EghezéeGround area
2,084 m²
Building footprint
114 m²
Parcel 92035A0273/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CALAER
since 20042.142.248.760
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92035A0273/00B000 | Wallonia | 2,084 m² | 1 · 114 m² | - |
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.
Similar companies · same sector, comparable size
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LEOLAB
BE 0806.275.381
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ETS M. DELRIVIERE
BE 0841.657.914
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Orthomonte
BE 0784.485.619
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Of 1,064 companies in sector 47741 we hold annual accounts for 640. 469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2004
Fiscal year end31-12
Activities, NACEBEL
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
51180
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.