Balanço Patrimonial de Research Frontiers Inc (REFR)

Ativos Circulantes

Caixa, Equivalentes e Investimentos de Curto Prazo

-35.38%1.35M

-19.46%1.99M

-45.51%1.65M

-45.80%1.91M

-49.44%2.09M

-41.48%2.48M

-36.96%3.02M

86.70%3.52M

67.88%4.14M

39.86%4.23M

60.76%4.80M

-45.73%1.88M

-41.50%2.47M

-36.62%3.03M

-45.14%2.98M

-40.57%3.47M

-27.78%4.22M

-27.60%4.77M

-22.47%5.44M

-19.97%5.84M

74.85%5.84M

122.00%6.59M

106.33%7.02M

291.99%7.30M

45.37%3.34M

70.87%2.97M

55.43%3.40M

-22.60%1.86M

-10.47%2.30M

-45.94%1.74M

-51.48%2.19M

-54.69%2.41M

-58.55%2.57M

-55.51%3.21M

-43.20%4.51M

-25.22%5.31M

-22.93%6.19M

-20.34%7.23M

-32.25%7.94M

-43.54%7.10M

-21.10%8.03M

-17.11%9.07M

4.94%11.72M

3.99%12.57M

-20.92%10.18M

-18.60%10.94M

23.84%11.17M

318.53%12.09M

316.54%12.87M

--13.44M

--9.02M

--2.89M

--3.09M

- Caixa e Equivalentes de Caixa

-35.38%1.35M

-19.46%1.99M

213.91%1.65M

-45.80%1.91M

81.66%2.09M

-41.48%2.48M

-89.06%524.99K

86.70%3.52M

-53.27%1.15M

1467.21%4.23M

60.76%4.80M

-45.73%1.88M

-41.50%2.47M

-94.34%269.96K

-45.14%2.98M

-40.57%3.47M

-27.78%4.22M

-27.60%4.77M

-22.47%5.44M

-19.97%5.84M

74.85%5.84M

122.00%6.59M

106.33%7.02M

291.99%7.30M

45.37%3.34M

70.87%2.97M

55.43%3.40M

-22.60%1.86M

-10.47%2.30M

2.73%1.74M

-26.79%2.19M

-36.52%2.41M

-45.09%2.57M

-70.39%1.69M

-53.50%2.99M

-32.26%3.79M

-28.42%4.67M

-24.54%5.71M

76.69%6.43M

-25.34%5.59M

28.03%6.53M

29.04%7.57M

-40.43%3.64M

6.58%7.49M

-34.77%5.10M

-30.08%5.87M

-23.33%6.11M

282.36%7.03M

326.66%7.82M

--8.39M

--7.97M

--1.84M

--1.83M

-Investimentos de Curto Prazo

----

--2.50M

----

--2.99M

-100.00%0.00

--0.00

--2.76M

----

-100.00%0.00

0.63%1.52M

0.62%1.52M

1.01%1.52M

0.94%1.52M

0.81%1.51M

-81.30%1.51M

-70.39%1.50M

-70.42%1.50M

59.72%8.08M

0.40%5.08M

0.50%5.08M

0.48%5.08M

381.20%5.06M

381.85%5.06M

301.81%5.05M

--5.05M

--1.05M

--1.26M

Contas a Receber

1.28%969.06K

-34.40%658.21K

45.31%1.05M

61.90%1.08M

39.91%956.78K

70.18%1.00M

34.93%721.24K

50.56%666.16K

-9.25%683.86K

-29.10%589.60K

-60.49%534.53K

-46.68%442.45K

2.13%753.55K

39.00%831.64K

143.95%1.35M

27.18%829.87K

-1.18%737.87K

-8.81%598.29K

-28.51%554.61K

-15.56%652.52K

-2.32%746.65K

-4.87%656.06K

9.29%775.76K

21.83%772.79K

3.68%764.36K

15.44%689.68K

-9.25%709.81K

-19.86%634.34K

-31.97%737.20K

-46.52%597.44K

-49.06%782.19K

-40.57%791.51K

-21.15%1.08M

-15.02%1.12M

-13.12%1.54M

-22.89%1.33M

19.04%1.37M

11.87%1.31M

44.68%1.77M

65.74%1.73M

34.17%1.15M

35.52%1.18M

26.71%1.22M

24.19%1.04M

7.79%860.43K

25.98%867.16K

68.03%964.12K

56.20%839.17K

80.37%798.26K

--688.32K

--573.78K

--537.25K

--442.56K

-Contas e Títulos a Receber

1.28%969.06K

-34.40%658.21K

45.31%1.05M

61.90%1.08M

39.91%956.78K

70.18%1.00M

34.93%721.24K

50.56%666.16K

-9.25%683.86K

-29.10%589.60K

-60.49%534.53K

-46.68%442.45K

2.13%753.55K

39.00%831.64K

143.95%1.35M

27.18%829.87K

-1.18%737.87K

-8.81%598.29K

-28.51%554.61K

-15.56%652.52K

-2.32%746.65K

-4.87%656.06K

9.29%775.76K

21.83%772.79K

3.68%764.36K

15.44%689.68K

-9.25%709.81K

-19.86%634.34K

-31.97%737.20K

-46.52%597.44K

-49.06%782.19K

-40.57%791.51K

-21.15%1.08M

-15.02%1.12M

-13.12%1.54M

-22.89%1.33M

19.04%1.37M

11.87%1.31M

44.68%1.77M

65.74%1.73M

34.17%1.15M

35.52%1.18M

26.71%1.22M

24.19%1.04M

7.79%860.43K

25.98%867.16K

68.03%964.12K

56.20%839.17K

80.37%798.26K

--688.32K

--573.78K

--537.25K

--442.56K

-Empréstimos a Receber

----

--0.00

----

--0.00

Despesas Antecipadas

-17.48%198.68K

-3.40%93.49K

-5.99%154.73K

-11.69%204.68K

158.37%240.77K

-4.15%96.78K

-1.19%164.58K

-1.53%231.76K

7.64%93.19K

8.65%100.97K

4.96%166.57K

17.72%235.35K

1.53%86.57K

64.44%92.93K

48.26%158.69K

44.38%199.93K

-53.17%85.27K

-3.95%56.51K

1.09%107.04K

35.13%138.47K

20.24%182.09K

11.58%58.84K

9.40%105.88K

-5.12%102.47K

66.33%151.44K

77.56%52.73K

89.54%96.79K

66.18%108.01K

15.51%91.05K

-88.44%29.70K

-19.83%51.07K

-19.75%64.99K

-0.51%78.83K

92.48%256.89K

-17.55%63.70K

-14.44%80.99K

0.58%79.23K

10.07%133.47K

0.86%77.25K

79.81%94.66K

-1.76%78.77K

-10.24%121.25K

2.21%76.59K

-17.95%52.64K

-8.97%80.18K

-33.11%135.08K

1.79%74.94K

25.90%64.16K

-87.29%88.08K

--201.95K

--73.61K

--50.96K

--692.97K

Outros Ativos Circulantes

--0.00

----

Total de Ativos Circulantes

-23.41%2.52M

-23.22%2.75M

-27.10%2.85M

-27.76%3.19M

-33.08%3.29M

-27.34%3.58M

-28.89%3.91M

72.35%4.42M

48.72%4.92M

24.61%4.92M

22.31%5.50M

-43.09%2.56M

-34.38%3.31M

-27.23%3.95M

-26.31%4.50M

-32.13%4.50M

-25.52%5.04M

-25.72%5.43M

-22.75%6.10M

-18.86%6.63M

59.04%6.77M

96.85%7.31M

87.73%7.90M

213.86%8.17M

36.15%4.25M

56.95%3.71M

39.26%4.21M

-20.16%2.60M

-16.17%3.12M

-48.46%2.36M

-50.54%3.02M

-51.47%3.26M

-51.22%3.73M

-47.10%4.59M

-37.56%6.11M

-24.65%6.72M

-17.50%7.64M

-16.33%8.67M

-24.84%9.78M

-34.73%8.92M

-16.68%9.26M

-13.21%10.37M

6.64%13.02M

5.19%13.67M

-19.18%11.12M

-16.66%11.95M

26.30%12.21M

273.70%12.99M

225.57%13.75M

--14.33M

--9.66M

--3.48M

--4.22M

Ativos não Circulantes

Ativos Fixos Líquidos

576.32%1.19M

466.93%1.24M

-64.61%92.24K

-55.80%134.03K

-49.06%176.17K

-43.86%218.31K

-39.77%260.62K

-36.35%303.23K

-33.48%345.82K

-30.90%388.90K

-28.69%432.72K

-26.80%476.43K

-25.14%519.85K

-23.76%562.78K

-16.40%606.80K

-12.55%650.90K

-16.11%694.45K

-19.38%738.21K

-31.15%725.81K

-34.80%744.34K

-29.02%827.77K

192.39%915.71K

194.09%1.05M

183.08%1.14M

163.19%1.17M

-35.10%313.18K

-31.89%358.46K

-29.21%403.31K

-27.59%443.08K

-25.95%482.56K

-24.28%526.29K

-22.89%569.69K

-22.58%611.92K

-22.07%651.65K

-21.13%695.01K

-20.31%738.77K

-4.52%790.39K

26.66%836.22K

482.11%881.20K

859.02%927.06K

715.29%827.81K

925.71%660.20K

115.88%151.38K

32.57%96.67K

69.66%101.53K

9.02%64.37K

4.77%70.12K

4.43%72.92K

-21.65%59.85K

--59.04K

--66.93K

--69.82K

--76.39K

-Ativos Fixos

----

13.08%2.73M

----

--2.42M

----

-Depreciação Acumulada

----

7.98%1.90M

----

--1.76M

----

Outros ativos não circulantes

0.00%56.07K

67.03%56.07K

0.00%33.57K

48.49%33.57K

0.00%22.61K

--22.61K

Total de ativos não circulantes

437.19%1.25M

371.52%1.29M

-53.17%148.31K

-47.09%190.10K

-42.21%232.24K

-38.34%274.38K

-32.08%316.69K

-29.55%359.30K

-27.38%401.89K

-25.38%444.96K

-27.18%466.29K

-25.49%510.00K

-23.98%553.42K

-22.73%596.35K

-15.67%640.37K

-12.01%684.47K

-15.48%728.02K

-18.70%771.78K

-30.19%759.38K

-33.81%777.90K

-28.20%861.34K

173.77%949.28K

177.47%1.09M

169.02%1.18M

151.70%1.20M

-32.82%346.74K

-29.98%392.02K

-27.58%436.87K

-26.16%476.65K

-24.68%516.13K

-23.16%559.86K

-21.89%603.25K

-21.66%645.49K

-21.22%685.22K

-20.35%728.58K

-68.72%772.33K

-65.18%823.96K

-60.42%869.78K

394.61%914.76K

1795.99%2.47M

1651.68%2.37M

2426.50%2.20M

99.45%184.94K

36.34%130.23K

63.86%135.10K

6.52%86.97K

3.57%92.73K

3.35%95.52K

-16.71%82.45K

--81.65K

--89.53K

--92.43K

--98.99K

Total de ativos

6.95%3.77M

4.91%4.04M

-29.05%3.00M

-29.22%3.38M

-33.77%3.52M

-28.25%3.85M

-29.14%4.23M

55.43%4.77M

37.81%5.32M

18.05%5.37M

16.14%5.97M

-40.76%3.07M

-33.07%3.86M

-26.67%4.55M

-25.14%5.14M

-30.02%5.19M

-24.39%5.77M

-24.91%6.20M

-23.65%6.86M

-20.74%7.41M

39.85%7.63M

103.42%8.26M

95.38%8.99M

207.42%9.35M

51.44%5.45M

40.87%4.06M

28.43%4.60M

-21.32%3.04M

-17.65%3.60M

-45.37%2.88M

-47.62%3.58M

-48.42%3.87M

-48.34%4.37M

-44.74%5.27M

-36.09%6.84M

-34.21%7.49M

-27.20%8.47M

-24.04%9.54M

-18.96%10.70M

-17.45%11.39M

3.35%11.63M

4.43%12.56M

7.34%13.20M

5.42%13.80M

-18.68%11.25M

-16.53%12.03M

26.09%12.30M

266.70%13.09M

220.02%13.84M

--14.42M

--9.75M

--3.57M

--4.32M

Passivos

Passivos circulantes

-Outros a pagar

--0.00

----

--0.00

-100.00%0.00

--0.00

----

--510.00K

----

Despesas acumuladas

24.04%63.59K

275.75%53.33K

54.57%31.80K

68.04%40.21K

9.72%51.27K

-58.72%14.19K

-37.56%20.57K

-61.46%23.93K

-37.51%46.73K

-30.39%34.38K

-35.50%32.95K

4.46%62.08K

8.95%74.78K

87.93%49.38K

-12.25%51.08K

-28.69%59.44K

-39.23%68.63K

-43.74%26.28K

1.27%58.21K

16.22%83.34K

22.58%112.94K

-82.93%46.71K

-78.18%57.48K

-74.09%71.71K

-68.07%92.13K

7.37%273.61K

-2.67%263.42K

-5.20%276.81K

-14.97%288.55K

-24.90%254.83K

-52.72%270.64K

-53.75%291.99K

-18.65%339.34K

-19.49%339.34K

109.66%572.39K

137.62%631.38K

55.66%417.12K

30.34%421.48K

46.63%273.01K

36.68%265.70K

33.00%267.97K

300.58%323.37K

43.04%186.19K

51.20%194.39K

13.34%201.48K

-44.37%80.72K

6.34%130.17K

-9.83%128.57K

-26.28%177.76K

--145.12K

--122.41K

--142.59K

--241.12K

Dívidas e arrendamentos de curto prazo

----

--0.00

----

Passivos diferidos

----

877.02%125.00K

----

4.16%3.73K

78.41%12.79K

10.83%11.92K

----

-73.05%3.59K

-72.42%7.17K

-61.51%10.76K

----

-38.15%13.30K

-53.74%26.00K

-64.59%27.95K

----

-69.98%21.51K

56.57%56.21K

54.08%78.92K

-84.71%7.73K

83.92%71.67K

-65.09%35.90K

-66.55%51.22K

6037.14%50.57K

-16.50%38.97K

216.46%102.85K

353.75%153.14K

--824.00

366.66%46.67K

62.50%32.50K

9.71%33.75K

----

0.00%10.00K

-11.98%20.00K

-5.99%30.76K

----

-38.46%10.00K

0.99%22.72K

-41.83%32.72K

-100.00%0.00

-74.51%16.25K

-82.35%22.50K

-70.59%56.25K

0.00%25.00K

-18.40%63.75K

-18.40%127.50K

2.00%191.25K

--25.00K

--78.12K

--156.25K

--187.50K

Outros passivos circulantes

--0.00

----

877.02%125.00K

----

4.16%3.73K

78.41%12.79K

10.83%11.92K

--0.00

-73.05%3.59K

-72.42%7.17K

-61.51%10.76K

--0.00

-38.15%13.30K

-53.74%26.00K

-64.59%27.95K

-100.00%0.00

-69.98%21.51K

56.57%56.21K

54.08%78.92K

-84.71%7.73K

-86.95%71.67K

-65.09%35.90K

-66.55%51.22K

6037.14%50.57K

1076.37%548.97K

216.46%102.85K

353.75%153.14K

--824.00

366.66%46.67K

62.50%32.50K

9.71%33.75K

----

0.00%10.00K

-11.98%20.00K

-5.99%30.76K

----

-38.46%10.00K

0.99%22.72K

-41.83%32.72K

-100.00%0.00

-74.51%16.25K

-82.35%22.50K

-70.59%56.25K

0.00%25.00K

-18.40%63.75K

-18.40%127.50K

2.00%191.25K

--25.00K

--78.12K

--156.25K

--187.50K

Total de passivos circulantes

-52.05%210.71K

-3.03%269.03K

-33.37%176.07K

36.42%390.00K

54.87%439.45K

-8.09%277.43K

-1.30%264.25K

-1.74%285.89K

-1.38%283.76K

1.32%301.86K

-3.01%267.72K

-3.21%290.95K

-6.70%287.73K

31.79%297.94K

-4.71%276.02K

-17.00%300.62K

-27.10%308.38K

-41.65%226.07K

-5.65%289.66K

23.20%362.20K

13.87%422.99K

-15.35%387.43K

-64.67%307.02K

-36.11%294.00K

-28.54%371.47K

45.87%457.66K

106.04%868.99K

14.23%460.15K

23.55%519.83K

-15.04%313.75K

-31.37%421.75K

-43.39%402.82K

-25.73%420.73K

-21.13%369.27K

69.61%614.50K

82.99%711.51K

26.06%566.46K

-3.00%468.21K

32.30%362.31K

18.65%388.82K

13.44%449.35K

197.35%482.68K

7.33%273.85K

-10.79%327.70K

-26.63%396.11K

-33.03%162.33K

-25.82%255.16K

-22.39%367.34K

-2.91%539.90K

--242.39K

--343.95K

--473.29K

--556.08K

Passivos não circulantes

Dívidas e arrendamentos de longo prazo

--1.13M

2006.61%1.17M

-100.00%0.00

-79.32%55.36K

-65.40%109.97K

-55.39%163.82K

-47.93%216.94K

-42.32%267.72K

-37.81%317.81K

-34.10%367.20K

-30.88%416.62K

-28.18%464.13K

-25.84%510.99K

-23.81%557.20K

-22.02%602.78K

-20.47%646.22K

-19.09%689.06K

-18.25%731.31K

-17.43%772.98K

--812.60K

--851.67K

--894.51K

--936.17K

--0.00

-Dívida de longo prazo

----

--0.00

----

-Passivos de arrendamento de longo prazo

--1.13M

2006.61%1.17M

----

-100.00%0.00

-79.32%55.36K

-65.40%109.97K

-55.39%163.82K

-47.93%216.94K

-42.32%267.72K

-37.81%317.81K

-34.10%367.20K

-30.88%416.62K

-28.18%464.13K

-25.84%510.99K

-23.81%557.20K

-22.02%602.78K

-20.47%646.22K

-19.09%689.06K

-18.25%731.31K

-17.43%772.98K

--812.60K

--851.67K

--894.51K

--936.17K

----

Outros passivos não circulantes

--0.00

----

--0.00

-100.00%0.00

--0.00

--749.00K

--501.41K

----

Total de passivos não circulantes

--1.13M

2006.61%1.17M

----

-100.00%0.00

-79.32%55.36K

-65.40%109.97K

-55.39%163.82K

-47.93%216.94K

-42.32%267.72K

-37.81%317.81K

-34.10%367.20K

-30.88%416.62K

-28.18%464.13K

-25.84%510.99K

-23.81%557.20K

-22.02%602.78K

-20.47%646.22K

-19.09%689.06K

-18.25%731.31K

-54.13%772.98K

62.06%812.60K

--851.67K

--894.51K

--1.69M

--501.41K

----

Total de passivos

205.25%1.34M

331.29%1.44M

-52.95%176.07K

-13.28%390.00K

-12.23%439.45K

-41.57%332.79K

-36.09%374.21K

-31.67%449.71K

-28.91%500.71K

-25.26%569.59K

-25.60%585.53K

-23.28%658.16K

-22.70%704.34K

-12.64%762.06K

-19.59%787.01K

-21.55%857.82K

-23.81%911.16K

-27.31%872.28K

-15.53%978.72K

-7.99%1.09M

-41.85%1.20M

25.12%1.20M

33.34%1.16M

158.29%1.19M

295.64%2.06M

205.68%959.08K

106.04%868.99K

14.23%460.15K

23.55%519.83K

-15.04%313.75K

-31.37%421.75K

-43.39%402.82K

-25.73%420.73K

-21.13%369.27K

69.61%614.50K

82.99%711.51K

26.06%566.46K

-3.00%468.21K

32.30%362.31K

18.65%388.82K

13.44%449.35K

197.35%482.68K

7.33%273.85K

-10.79%327.70K

-26.63%396.11K

-33.03%162.33K

-25.82%255.16K

-22.39%367.34K

-2.91%539.90K

--242.39K

--343.95K

--473.29K

--556.08K

Patrimônio líquido dos acionistas

Capital ordinário

0.30%128.18M

0.31%128.18M

0.12%127.79M

0.49%127.78M

0.56%127.64M

3.37%127.64M

2.98%127.15M

2.98%126.92M

0.18%123.47M

0.25%123.47M

0.34%123.25M

0.57%123.25M

0.50%123.17M

0.63%122.84M

0.68%122.84M

5.75%122.56M

6.77%122.56M

6.35%122.07M

8.02%122.01M

2.67%115.89M

2.83%114.79M

2.90%114.79M

1.25%112.95M

1.19%112.88M

0.07%111.63M

0.06%111.55M

0.50%111.49M

0.59%111.49M

0.87%111.49M

1.16%111.49M

1.22%110.93M

1.72%110.83M

4.94%110.53M

4.38%110.21M

6.67%109.60M

6.23%108.95M

2.90%105.32M

3.88%105.59M

6.72%102.74M

15.11%102.56M

15.04%102.36M

--101.64M

--96.28M

--89.10M

--88.98M

Lucros retidos

-0.84%-125.75M

-1.06%-125.58M

-0.96%-124.97M

-1.21%-124.80M

-1.54%-124.71M

-1.56%-124.26M

-1.85%-123.78M

-1.86%-123.31M

-2.08%-122.82M

-2.23%-122.36M

-2.22%-121.54M

-1.79%-121.06M

-1.62%-120.32M

-1.57%-119.69M

-1.66%-118.90M

-2.06%-118.93M

-1.96%-118.40M

-2.03%-117.84M

-2.38%-116.96M

-2.35%-116.52M

-3.23%-116.12M

-3.41%-115.50M

-2.87%-114.24M

-3.15%-113.85M

-2.46%-112.49M

-2.41%-111.69M

-2.46%-111.06M

-2.11%-110.37M

-2.04%-109.80M

-2.26%-109.06M

-2.97%-108.39M

-3.24%-108.09M

-3.88%-107.60M

-4.14%-106.65M

-4.64%-105.26M

-4.88%-104.70M

-4.27%-103.59M

-4.36%-102.41M

-4.06%-100.60M

-4.55%-99.83M

-5.17%-99.35M

-4.71%-98.13M

-6.58%-96.67M

-6.28%-95.48M

-6.07%-94.47M

-7.14%-93.72M

-4.41%-90.70M

-4.46%-89.84M

-4.52%-89.06M

---87.47M

---86.87M

---86.00M

---85.21M

Reservas de capital

0.30%128.18M

0.31%128.18M

0.12%127.79M

0.49%127.78M

0.56%127.63M

3.37%127.63M

2.98%127.15M

2.98%126.92M

0.18%123.47M

0.25%123.47M

0.34%123.25M

0.57%123.25M

0.50%123.16M

0.63%122.84M

0.68%122.84M

5.75%122.55M

6.76%122.55M

6.34%122.07M

8.02%122.00M

2.67%115.89M

2.83%114.79M

2.90%114.78M

1.25%112.95M

1.19%112.88M

0.07%111.63M

0.06%111.55M

0.50%111.48M

0.59%111.48M

0.87%111.48M

1.16%111.48M

1.22%110.93M

1.72%110.83M

4.94%110.52M

4.38%110.21M

6.67%109.59M

6.23%108.95M

2.90%105.32M

3.88%105.58M

6.72%102.74M

15.11%102.56M

15.04%102.36M

--101.64M

--96.28M

--89.10M

--88.98M

Patrimônio total

-21.31%2.43M

-25.97%2.60M

-26.73%2.82M

-30.87%2.99M

-36.00%3.08M

-26.67%3.52M

-28.38%3.85M

79.19%4.33M

52.71%4.82M

26.77%4.80M

23.69%5.38M

-44.23%2.41M

-35.02%3.16M

-28.97%3.78M

-26.06%4.35M

-31.48%4.33M

-24.50%4.86M

-24.51%5.33M

-24.85%5.88M

-22.60%6.32M

89.31%6.43M

127.65%7.06M

109.83%7.83M

216.18%8.16M

10.25%3.40M

20.73%3.10M

18.07%3.73M

-25.46%2.58M

-22.03%3.08M

-47.66%2.57M

-49.23%3.16M

-48.95%3.46M

-49.96%3.95M

-45.96%4.90M

-39.80%6.22M

-38.35%6.78M

-29.34%7.90M

-24.88%9.08M

-20.05%10.34M

-18.33%11.00M

2.99%11.18M

1.79%12.08M

7.34%12.93M

5.89%13.47M

-18.36%10.86M

-16.25%11.87M

27.99%12.04M

310.89%12.72M

252.92%13.30M

--14.17M

--9.41M

--3.10M

--3.77M

Moeda

USD

Opinião da Auditoria

--

Research Frontiers Inc

1.600USD

Research Frontiers Inc

1.600

Visão Geral

Empresa

Serviços Financeiros

Declarações

Declaração de Renda

Balanço Patrimonial

Demonstrativo de Fluxo de Caixa