Summary
CALEMCA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.32M and a net result of €254k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 1422 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
30 d early
2023
23 d early
2022
28 d early
2021
78 d late
2020
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€1.32M▼ 10.0%
2023 · €1.47M
2020: €615k
2021: €1.04M
2022: €1.43M
2023: €1.47M
2020 → 2024
Net result
€254k▲ 110%
2023 · €121k
2020: €612k
2021: €429k
2022: €387k
2023: €121k
2020 → 2024
Total assets
€2.58M▼ 3.2%
2023 · €2.66M
2020: €2.70M
2021: €2.81M
2022: €2.64M
2023: €2.66M
2020 → 2024
Solvency
51.4%▼ 3.9pp
2023 · 55.3%
2020: 22.8%
2021: 37.2%
2022: 54.3%
2023: 55.3%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€615k-€1.04M▲ 69.9%€1.43M▲ 37.0%€1.47M▲ 2.8%€1.32M▼ 10.0%
Operating result€173k-€173k=€142k▼ 17.9%€186k▲ 30.9%€229k▲ 23.2%
Net result€612k-€429k▼ 29.9%€387k▼ 10.0%€121k▼ 68.8%€254k▲ 110%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 23% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.58M
Fixed assets
€2.57M =
Current assets
€7k ▼ 92.2%
Equity and liabilities €2.58M
Equity
€1.32M ▼ 10.0%
Debt
€1.25M ▲ 5.2%
Debt's share of the balance-sheet total rises from 44.7% to 48.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
19.1%▲
2023 · 8.2%
ROA
9.8%▲
2023 · 4.5%
Debt ≤ 1 year
€1.22M▲
2023 · €1.16M
Income taxes
€45k▲
2023 · €34k
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 · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.66M€2.58M▼
Fixed assets21/28€2.57M€2.57M=
Financial fixed assets28€2.57M€2.57M=
Current assets29/58€92k€7k▼
Amounts receivable within one year40/41€11k€0▼
Other amounts receivable41€11k€0▼
Cash at bank and in hand54/58€81k€7k▼
Equity and liabilities
Total equity and liabilities10/49€2.66M€2.58M▼
Equity10/15€1.47M€1.32M▼
Contributions10/11€3k€3k=
Reserves13€1.47M€1.32M▼
Distributable reserves133€1.47M€1.32M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.19M€1.25M▲
Amounts payable within one year42/48€1.16M€1.22M▲
Trade debts44€725€726▲
Suppliers440/4€725€726▲
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€1.16M€1.22M▲
Accrued charges and deferred income492/3€32k€31k▼
Income statement
Code20232024
Other operating charges640/8€1k€1k▲
Gross operating margin9900€187k€231k▲
Operating profit (loss)9901€186k€229k▲
Financial income75/76B€152€100k▲
Recurring financial income75€152€100k▲
Financial charges65/66B€32k€31k▼
Recurring financial charges65€32k€31k▼
Profit (loss) for the period before taxes9903€155k€299k▲
Income taxes67/77€34k€45k▲
Profit (loss) for the period9904€121k€254k▲
Profit (loss) for the period to be appropriated9905€121k€254k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€254k▲
Transfer from equity791/2-€400k
Transfer to equity691/2€41k€254k▲
To other reserves6921€41k€254k▲
Profit to be distributed694/7€80k€400k▲
Return on contributions (dividend)694€80k€400k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €121k ▼68.8%
Net result drops to €121k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
2021
31-12
Financial
Equity above €1MEq €1.04M ▲69.9%
2 profitable years in a row build equity to €1.04M.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Lanaken · 1 establishment unit since 2019
Ground area
568 m²
Building footprint
554 m²
Volume, LiDAR
3,345 m³
Parcel 73064B1103/00V000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
CALEMCA
since 20192.291.255.707
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73064B1103/00V000 | Flanders | 568 m² | 1 · 554 m² | 10.1 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 1,507 companies in sector 66199 we hold annual accounts for 917. 487 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
Founded09-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.