CALT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CALT is 0.3% (very low). The 2025 annual accounts show equity of €116k and a net result of €57k. Its solvency ranks better than 77% of 203 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 77% of 203 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-12-2025, 59 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	03-12-2025	59 d early	2025-00575326
30-06-2024	31-01-2025	30-12-2024	32 d early	2024-00626786

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€57k-1.0%

Working capital€51k+3303.6%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 03-12-2025 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	70.7%	25.1%	better than 77% of 203 sector peers
Net result	€57k	€170k	better than 24% of 203 sector peers
Equity	€116k	€199k	better than 38% of 203 sector peers
Gross operating margin	€80k	€583k	better than 20% of 203 sector peers
Total assets	€164k	€1.41M	better than 13% of 203 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€78k

-1.3% 24-25

Net profit

€57k

-1.0% 24-25

Cash flow

€57k

-1.2% 24-25

Total assets

€164k

+31.1% 24-25

Equity

€116k

+90.8% 24-25

Working capital

€51k

+3303.6% 24-25

Income taxes

€20k

-6.5% 24-25

Dividends

€2k

0.0% 24-25

Show 10 other metrics

Debt

€48k

-25.3% 24-25

Debt ≤ 1y

€21k

-31.7% 24-25

Debt > 1y

€27k

-19.4% 24-25

Current ratio

3.40

+224.8% 24-25

Quick ratio

3.40

+224.8% 24-25

Solvency

70.7%

+45.6% 24-25

Debt / equity

0.41

-60.9% 24-25

ROE

49.0%

-48.1% 24-25

ROA

34.6%

-24.5% 24-25

Interest coverage

63.46

-88.3% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	-
EBITDA	€78k
Net profit	€57k
Cash flow	€57k
Staff costs	-
Income taxes	€20k
Dividends	€2k
Total assets	€164k
Equity	€116k
Debt	€48k
of which ≤ 1y	€21k
of which > 1y	€27k
Working capital	€51k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	3.40
Quick ratio	3.40
Working capital ratio	31.0%
Solvency	70.7%
Debt / equity	0.41
Long-term debt ratio	0.23
Interest coverage	63.46
Gross margin	-
Net margin	-
ROA	34.6%
ROE	49.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €92k · 56.2% Current assets €72k · 43.8%

Equity & liabilities

Equity €116k · 70.7% Debt €48k · 29.3%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€164k
Fixed assets	21/28	€92k
Tangible fixed assets	22/27	€2k
Financial fixed assets	28	€90k
Current assets	29/58	€72k
Amounts receivable within one year	40/41	€13k
Cash & bank	54/58	€57k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€164k
Equity	10/15	€116k
Contributions / capital	10/11	€5k
Reserves	13	€111k
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€48k
Amounts payable after one year	17	€27k
Amounts payable within one year	42/48	€21k
Trade debts payable within one year	44	€577
Income statement
Gross operating margin	9900	€80k
Operating result	9901	€78k
Financial income	75	€39
Financial charges	65	€1k
Result before taxes	9903	€77k
Income taxes	67/77	€20k
Net result for the period	9904	€57k
Result to be appropriated	9905	€57k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

2 companies at this address See who is registered here

Establishment units

1 location

CALT

Achterstraat 65, 2910 EssenActiviteiten van (gecertificeerde) (fiscaal) accountants

since 20232.340.561.696

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area98 m²

Buildings1

Building footprint98 m²

Volume (LiDAR)513 m³

Tallest building7.6 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)