Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 59 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
CALLENS - DECAMPS from Tournai, company number BE0439988634, closed financial year 2024 with a result of € -9,274 after tax. For that financial year CALLENS - DECAMPS recorded a gross margin of € 354,605 and equity of € 45,302. Compared with financial year 2023, the result moved from € 20,810 to € -9,274. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 24, 2025.
€ 45,302
▼ 17% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -9,274
▼ still € 20,810 profit in 2023
Profit after tax over the fiscal year.
€ 40,673
▲ 7% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -4,698.
People and assets in 2024
9.3
Average over the fiscal year, from the social balance sheet.
€ 292,030
▲ 25% vs 2023
€ 31,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 4,855
▼ 1% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 305,541
▼ 8% vs 2023
€ 56,983 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 76,017
▼ 4% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 39,390
▲ 21% vs 2023
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 186,767 | € 189,457 | € 329,203 | € 354,605 | ▲ 8% |
| Profit after taxes | € 15,862 | € -15,436 | € 20,810 | € -9,274 | ▼ € 30,084 |
| Equity | € 49,201 | € 33,766 | € 54,575 | € 45,302 | ▼ 17% |
| Total debts | € 111,851 | € 563,872 | € 481,465 | € 456,843 | ▼ 5% |
| Cash | € 18,991 | € 172,364 | € 37,845 | € 40,673 | ▲ 7% |
| Land & buildings | € 12,142 | € 265,735 | € 270,701 | € 242,055 | ▼ 11% |
| Retained profit | € -799 | € -16,234 | € 4,575 | € -4,698 | ▼ € 9,274 |
| Bank debt | € 26,423 | € 435,025 | € 332,185 | € 305,541 | ▼ 8% |
| Balance sheet total | € 161,052 | € 597,638 | € 536,041 | € 502,145 | ▼ 6% |
| Employees (FTE) | - | - | - | 9.3 |
Key figures of CALLENS - DECAMPS, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to CALLENS - DECAMPS?
What happened at CALLENS - DECAMPS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 9,274 (▼ € 30,084 vs 2023). Source: NBB ↗
- Nathalie CALLENS became a director. NBB
- Catherine DECAMPS became a director. NBB
- New establishment in Tournai. KBO
- Start of the company according to the CBE. KBO
In short
From € 15,862 profit in 2021 to € 9,274 loss in 2024.
Paid € 6,035 in corporate taxes since 2021.
Best year ever: 2023, with € 20,810 profit.
On average € 38,100 of value added per employee in 2024.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind CALLENS - DECAMPS are Catherine DECAMPS and Nathalie CALLENS.
Directors
According to the 2024 annual accounts
Catherine DECAMPS
Director
since 1990
Nathalie CALLENS
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Place de Ramecroix(G-R) 2
7530 Tournai
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0439.988.634
- VAT number
- BE 0439.988.634
- Registered office
- Place de Ramecroix(G-R) 2, 7530 Tournai
- Names & denominations
- CALLENS - DECAMPS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 February 1990
- Peppol
- Active · Active since 17 Sept 2025
- Activities · NACE
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Artisanale brood- en banketbakkerijen
Detailhandel in brood en banketbakkerswerk (koude bakkers)
Detailhandel in brood-, banketbakkerswerk en suikerwerk