KALAMOS
ActiveKALAMOS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €53k and a net result of €54k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 8969 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▲+20
Solvency38▲+13
Growth85▲+27
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 0.77 in 2023; short-term debt: 75.6% and cash: 28.3% of total assets), and 87% 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
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
13%
Return on assets
13.1%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8969 sector peers (2024).
NBB · sector comparisonPosition among 8969 sector peers
Solvency
better than 19%
← weakest
strongest →
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 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
36 d late
2022
160 d late
2021
14 d early
2020
on the day
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€329k▲ 57.1%
2023 · €209k
2023: €209k
2023 → 2024
EBIT margin
22.5%▲ 16.7pp
2023 · 5.9%
2023: 5.9%
2023 → 2024
Net result
€54k▲ 305%
2023 · €13k
2018: €-9k
2019: €-3k
2020: €13k
2021: €-4k
2022: €-26k
2023: €13k
2018 → 2024
Working capital
€42k
2023 · €-65k
2018: €16k
2019: €14k
2020: €28k
2021: €23k
2022: €-74k
2023: €-65k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€209k€329k▲ 57.1%
Equity€30k-€26k▼ 12.3%€74▼ 99.7%€-131€53k
Operating result€17k-€-4k€-27k▼ 640%€12k€74k▲ 503%
Net result€13k-€-4k€-26k▼ 611%€13k€54k▲ 305%
Turnover and EBIT margin not published: the micro 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 503% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €410k
Fixed assets
€58k▼ 11.0%
Current assets
€352k▲ 63.0%
Equity and liabilities €410k
Equity
€53k
Debt
€357k
Debt finances 87.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€84k▲
2023 · €22k
Cash flow
€63k▲
2023 · €23k
Solvency
13.0%▲
2023 · 0.0%
Current ratio
1.13▲
2023 · 0.77
Quick ratio
0.50▲
2023 · 0.19
Debt / equity
6.68
ROE
100.2%
ROA
13.1%▲
2023 · 4.7%
Interest coverage
72.31▲
2023 · 23.56
Debt
€357k▲
2023 · €281k
Debt ≤ 1 year
€310k▲
2023 · €281k
Income taxes
€21k
Staff costs
€36k▲
2023 · €3k
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€281k€410k▲
Fixed assets21/28€65k€58k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€63k€56k▼
Land and buildings22€0-
Plant, machinery and equipment23€893€3k▲
Furniture and vehicles24€0€0=
Other tangible fixed assets26€62k€54k▼
Financial fixed assets28€120€120=
Current assets29/58€216k€352k▲
Stocks and contracts in progress3€163k€196k▲
Stocks30/36€163k€196k▲
Amounts receivable within one year40/41€23k€36k▲
Trade receivables40€23k€36k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€30k€116k▲
Deferred charges and accrued income490/1€666€3k▲
Equity and liabilities
Total equity and liabilities10/49€281k€410k▲
Equity10/15€-131€53k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€10k€47k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€8k€45k▲
Profit (loss) carried forward14€-17k€383▲
Amounts payable17/49€281k€357k▲
Amounts payable within one year42/48€281k€310k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€8k€53k▲
Taxes450/3€5k€44k▲
Remuneration and social security454/9€2k€8k▲
Other amounts payable47/48€272k€255k▼
Accrued charges and deferred income492/3€0€47k▲
Income statement
Code20232024
Turnover70€209k€329k▲
Goods, raw materials, services and sundry goods60/61€183k€328k▲
Remuneration, social security and pensions62€3k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€27k€123k▲
Operating profit (loss)9901€12k€74k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€924€1k▲
Recurring financial charges65€924€1k▲
Profit (loss) for the period before taxes9903€13k€74k▲
Income taxes67/77-€21k
Profit (loss) for the period9904€13k€54k▲
Profit (loss) for the period to be appropriated9905€13k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€37k▲
Profit (loss) brought forward from the previous period14P€-30k€-17k▲
Transfer from equity791/2€13k-
Transfer to equity691/2-€37k
To the legal reserve6920-€37k
Profit to be distributed694/7€13k-
Return on contributions (dividend)694€13k-
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
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €54k ▲305%
Operating result €74k, net result €54k, both a record.
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
07-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 160 days late
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
2022
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Liège · 1 establishment unit since 2008
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 Saint-Pholien 124020 LiègeGround area
227 m²
Building footprint
213 m²
Volume, LiDAR
1,318 m³
Parcel 62808A0530/02G000, Wallonia · tallest building 14.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Saint-Pholien 12, 4020 Liège
since 20082.171.989.158
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62808A0530/02G000 | Wallonia | 227 m² | 1 · 213 m² | 14.2 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.
Public money · subsidies and aid
Federal government
2024 to 2025 · 2 entries · 196,008 EUR in total| Year | Department | Transactions | Amount |
|---|---|---|---|
| 2025 | FOD Mobiliteit | 1 | 31,581 EUR |
| 2024 | FOD Mobiliteit | 1 | 164,427 EUR |
Budget allocations
Toelagen inzake mobiliteit en vervoer aan de privésector (cf. art. 2.33.2 van de algemene uitgavenbegroting)
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Of 13,426 companies in sector 73300 we hold annual accounts for 6,900. 5,517 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2008
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
77210Renting and leasing of sports and recreation goods
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.