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IMMO CALECHE

Active
Luikerstraat 64 ·3800 Sint-Truiden, Belgium
KBO/BCE: BE 0804.486.722
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Age3 yrs
Real estate1 parcel · 382 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of IMMO CALECHE is 1.0% (low). The 2024 annual accounts show equity of €794k and a net result of €-19k. Its solvency ranks better than 75% of 4950 sector peers (fiscal year 2024). 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.0% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Annual accounts: weaker financial profile +

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

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-08-2025, 13 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 13-08-2025 13 d late 2025-00374012
31-12-2023 31-07-2024 30-08-2024 30 d late 2024-00415611

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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-19k-54.9%
Working capital€-450k+9.9%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 13-08-2025 with the NBB · fiscal year 2024 · micro
€-20k€-15k€-10k€-5k€0Operating result 2023: €-12k€-12kNet result 2023: €-12k€-12kOperating result 2024: €-19k€-19kNet result 2024: €-19k€-19k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 52.6% 16.7%
better than 75% of 4950 sector peers
Net result €-19k €2k
better than 20% of 4942 sector peers
Equity €794k €27k
better than 95% of 4953 sector peers
Gross operating margin €50k €27k
better than 66% of 4936 sector peers
Total assets €1.51M €302k
better than 88% of 4952 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€49k
+22.1% 23-24
Net profit
€-19k
-54.9% 23-24
Cash flow
€49k
+22.4% 23-24
Total assets
€1.51M
-6.2% 23-24
Equity
€794k
-2.3% 23-24
Working capital
€-450k
+9.9% 23-24
Debt
€715k
-10.2% 23-24
Debt ≤ 1y
€715k
-10.2% 23-24
Current ratio
0.37
-0.6% 23-24
Quick ratio
0.37
-0.6% 23-24
Solvency
52.6%
+4.2% 23-24
Debt / equity
0.90
-8.1% 23-24
ROE
-2.3%
-58.5% 23-24
ROA
-1.2%
-65.1% 23-24
Interest coverage
4365.29
+1027.8% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€49k
Net profit€-19k
Cash flow€49k
Staff costs-
Income taxes-
Dividends-
Total assets€1.51M
Equity€794k
Debt€715k
of which ≤ 1y€715k
of which > 1y-
Working capital€-450k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.37
Quick ratio0.37
Working capital ratio-29.8%
Solvency52.6%
Debt / equity0.90
Long-term debt ratio-
Interest coverage4365.29
Gross margin-
Net margin-
ROA-1.2%
ROE-2.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.51M
Fixed assets 21/28€1.24M
Tangible fixed assets 22/27€1.24M
Financial fixed assets 28€1k
Current assets 29/58€266k
Amounts receivable within one year 40/41€212k
Cash & bank 54/58€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.51M
Equity 10/15€794k
Contributions / capital 10/11€88k
Reserves 13€528k
Accumulated profits (losses) 14€178k
Amounts payable 17/49€715k
Amounts payable within one year 42/48€715k
Trade debts payable within one year 44€0
Income statement
Gross operating margin 9900€50k
Operating result 9901€-19k
Financial charges 65€11
Result before taxes 9903€-19k
Net result for the period 9904€-19k
Result to be appropriated 9905€-19k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
40 / 100 Weak
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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Locations & real estate

Registered office

from the Crossroads Bank
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.

Luikerstraat 643800 Sint-Truiden
Parcels1
Ground area382 m²
Buildings1
Building footprint377 m²
Volume (LiDAR)3,738 m³
Tallest building16.8 m · ±4 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%)
Parcel (capakey) Region Area Buildings Height / fl.
71053H1153/00D000 Flanders 382 m² 1 · 377 m² 16.8 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health40Profitability0Solvency63Growth32Stability94
46 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 40
Profitability 0
Solvency 63
Growth 32
Stability 94

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,139 of the 9,069 companies in this sector. 640 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201
Primary activity highlighted.
Names & trade names
Legal nameNL IMMO CALECHE
Registered office
Luikerstraat 64
3800 Sint-Truiden, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.