Kalima

Active

Private limited companyfounded 20215 yrs activeVissersstraat 20, 9150 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0765.332.869

Summary

The computed 12-month bankruptcy probability of Kalima is 2.7% (moderate). The 2024 annual accounts show equity of €7k and a net result of €15k. Equity is shrinking by ~109.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 20% of 36375 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

56 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+100

Solvency43▲+9

Growth58▲+26

Track record94

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.83 against 0.67 in 2023; short-term debt: 77.9% and cash: 20.3% of total assets), and 82.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

17.8%

Return on assets

38.1%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 36375 sector peers (2024).

NBB · sector comparison

Position among 36375 sector peers

Solvency

better than 20%

← weakest strongest →

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-02-2026, 212 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

212 d late

2023

31 d late

2022

29 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€7k▲ 57.9%

2023 · €4k

2022: €23k 2023: €4k

2022 → 2024

Total assets

€40k▼ 23.0%

2023 · €52k

2022: €102k 2023: €52k

2022 → 2024

Net result

€15k

2023 · €-18k

2022: €13k 2023: €-18k

2022 → 2024

Working capital

€-5k▲ 59.8%

2023 · €-13k

2022: €12k 2023: €-13k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€23k-€4k▼ 80.1%€7k▲ 57.9%

Operating result€14k-€-17k€4k

Net result€13k-€-18k€15k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €4k after a loss of €17k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €40k

35.4%

64.6%

Fixed assets €14k ▼ 42.3%

Current assets €26k ▼ 5.7%

Equity and liabilities €40k

17.8%

82.2%

Equity €7k ▲ 57.9%

Debt €33k ▼ 30.7%

Debt's share of the balance-sheet total falls from 91.3% to 82.2%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€14k▲

2023 · €-6k

Cash flow

€25k▲

2023 · €-7k

Current ratio

0.83▲

2023 · 0.67

Quick ratio

0.53▲

2023 · 0.26

Debt to equity

4.61▼

2023 · 10.51

ROE

213.7%▲

2023 · -403.2%

ROA

38.1%▲

2023 · -35.0%

Interest coverage

12.84▲

2023 · -4.16

Debt ≤ 1 year

€31k▼

2023 · €40k

Debt > 1 year

€2k▼

2023 · €7k

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 · 44 lines

Balance sheet Code20232024

Assets

Total assets20/58€52k€40k▼

Fixed assets21/28€24k€14k▼

Tangible fixed assets22/27€24k€14k▼

Plant, machinery and equipment23€4k€1k▼

Furniture and vehicles24€21k€13k▼

Current assets29/58€27k€26k▼

Stocks and contracts in progress3€17k€9k▼

Stocks30/36€17k€9k▼

Amounts receivable within one year40/41€3k€8k▲

Trade receivables40€594€5k▲

Other amounts receivable41€2k€3k▲

Cash at bank and in hand54/58€8k€8k▲

Deferred charges and accrued income490/1€464€436▼

Equity and liabilities

Total equity and liabilities10/49€52k€40k▼

Equity10/15€4k€7k▲

Contributions10/11€10k€10k=

Reserves13€13k-

Distributable reserves133€13k-

Profit (loss) carried forward14€-18k€-3k▲

Amounts payable17/49€47k€33k▼

Amounts payable after more than one year17€7k€2k▼

Financial debts170/4€7k€2k▼

Amounts payable within one year42/48€40k€31k▼

Current portion of amounts payable after more than one year42€5k€5k▲

Trade debts44€14k€15k▲

Suppliers440/4€14k€15k▲

Taxes, remuneration and social security45€3k€265▼

Taxes450/3€1k€265▼

Remuneration and social security454/9€2k-

Other amounts payable47/48€18k€11k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼

Other operating charges640/8€494€426▼

Gross operating margin9900€-5k€14k▲

Operating profit (loss)9901€-17k€4k▲

Financial income75/76B€17€9▼

Recurring financial income75€17€9▼

Financial charges65/66B€1k€1k▼

Recurring financial charges65€1k€1k▼

Profit (loss) for the period before taxes9903€-18k€3k▲

Transfer from deferred taxes780-€13k

Profit (loss) for the period9904€-18k€15k▲

Profit (loss) for the period to be appropriated9905€-18k€15k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-18k€-3k▲

Profit (loss) brought forward from the previous period14P-€-18k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

2026

28-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 212 days late

2024

31-12

Financial Back to profitnet €15k

Net result €15k after one loss-making year.

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

31-12

Financial Weakest financial yearnet €-18k ▼244%

Net result drops to €-18k, the lowest in the series; recovery starts the following year.

29-08

NBB filing Annual accounts filed

fiscal year 2022 · micro 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Vissersstraat 209150 Beveren-Kruibeke-Zwijndrecht

Ground area

81 m²

Building footprint

83 m²

Volume, LiDAR

672 m³

Parcel 46018A0559/00B000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Kalima

Vissersstraat 20, 9150 Beveren-Kruibeke-ZwijndrechtGeneral electrical installation work

since 20212.314.625.084

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46018A0559/00B000	Flanders	81 m²	1 · 83 m²	10.2 m · 3 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.

Similar companies · same sector, comparable size

Lochristi · Eq €6,883

IONTECH-INDUSTRY

BE 0695.569.479

Seneffe · Eq €7,322

Of 1,123 companies in sector 43212 we hold annual accounts for 420. 202 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

Founded18-03-2021

Fiscal year end31-12

Activities, NACEBEL 2025

43212Electrical installation work in industrial facilities

43211General electrical installation work

95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.