ARCooling

Active

Private limited companyfounded 20223 yrs activeRue des Mésanges 16, 6001 Charleroi, BelgiumKBO/BCE: BE 0791.391.722

The computed 12-month bankruptcy probability of ARCooling is 3.3% (moderate). The 2025 annual accounts show equity of €16k and a net result of €-31k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 13% of 27358 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

32 / 100

Weak▼ -62 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency33▼-43

Growth52▼-26

Stability94

Bankruptcy probability, 12 months

3.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity ample (current ratio 1.7 against 2.37 in 2024), but 91.1% 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

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

+raises risk○neutral

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 2025

Solvency, return and age of the figures

Solvency

8.9%

Return on assets

-16.7%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 27358 sector peers (2025).

NBB · sector comparison

Position among 27358 sector peers

Solvency

better than 13%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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.

NBB · 3 filings

Deviation from the deadline

2025

19 d late

2024

30 d late

2023

13 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

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 2025, micro schema

Equity

€16k▼ 80.9%

2024 · €86k

2023: €11k 2024: €86k

2023 → 2025

Total assets

€184k▼ 25.7%

2024 · €248k

2023: €167k 2024: €248k

2023 → 2025

Net result

€-31k

2024 · €75k

2023: €731 2024: €75k

2023 → 2025

Working capital

€71k▼ 46.5%

2024 · €133k

2023: €37k 2024: €133k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€11k-€86k▲ 700%€16k▼ 80.9%

Operating result€4k-€101k▲ 2,215%€-33k

Net result€731-€75k▲ 10,175%€-31k

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

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €33k after €101k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €184k

93.6%

Fixed assets €12k▼ 35.0%

Current assets €172k▼ 25.0%

Equity and liabilities €184k

91.1%

Equity €16k▼ 80.9%

Debt €168k▲ 3.5%

The debt ratio rises from 65.4% to 91.1%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-29k▼

2024 · €106k

Cash flow

€-26k▼

2024 · €80k

Solvency

8.9%▼

2024 · 34.6%

Current ratio

1.70▼

2024 · 2.37

Quick ratio

1.21▼

2024 · 1.97

Debt / equity

10.22▲

2024 · 1.89

ROE

-187.0%▼

2024 · 87.5%

ROA

-16.7%▼

2024 · 30.3%

Interest coverage

-5.37▼

2024 · 20.11

Debt

€168k▲

2024 · €162k

Debt ≤ 1 year

€101k▲

2024 · €97k

Debt > 1 year

€63k▲

2024 · €63k

Income taxes

€-8k▼

2024 · €21k

Staff costs

€65k▲

2024 · €50k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€248k€184k▼

Fixed assets21/28€18k€12k▼

Tangible fixed assets22/27€18k€12k▼

Plant, machinery and equipment23€502€1k▲

Furniture and vehicles24€2k€2k▼

Leasing and similar rights25€14k€8k▼

Other tangible fixed assets26€2k€1k▼

Current assets29/58€230k€172k▼

Stocks and contracts in progress3€39k€49k▲

Stocks30/36€39k€49k▲

Amounts receivable within one year40/41€147k€72k▼

Trade receivables40€95k€27k▼

Other amounts receivable41€53k€45k▼

Cash at bank and in hand54/58€23k€9k▼

Deferred charges and accrued income490/1€21k€41k▲

Equity and liabilities

Total equity and liabilities10/49€248k€184k▼

Equity10/15€86k€16k▼

Contributions10/11€10k€10k=

Profit (loss) carried forward14€76k€6k▼

Amounts payable17/49€162k€168k▲

Amounts payable after more than one year17€63k€63k▲

Financial debts170/4€63k€63k▲

Amounts payable within one year42/48€97k€101k▲

Current portion of amounts payable after more than one year42€23k€31k▲

Financial debts43€375-

Credit institutions430/8€375-

Trade debts44€52k€55k▲

Suppliers440/4€52k€55k▲

Taxes, remuneration and social security45€22k€15k▼

Taxes450/3€21k€14k▼

Remuneration and social security454/9€879€924▲

Accrued charges and deferred income492/3€2k€3k▲

Income statement Code20242025

Remuneration, social security and pensions62€50k€65k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼

Other operating charges640/8€25k€6k▼

Non-recurring operating charges66A€427€1k▲

Gross operating margin9900€182k€43k▼

Operating profit (loss)9901€101k€-33k▼

Financial income75/76B€43€22▼

Recurring financial income75€43€22▼

Financial charges65/66B€5k€5k▲

Recurring financial charges65€5k€5k▲

Profit (loss) for the period before taxes9903€96k€-38k▼

Income taxes67/77€21k€-8k▼

Profit (loss) for the period9904€75k€-31k▼

Profit (loss) for the period to be appropriated9905€75k€-31k▼

Appropriation of the result

Profit (loss) to be appropriated9906€76k€6k▼

Profit (loss) brought forward from the previous period14P€731€37k▲

The notes to these accounts (8 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

Next filing, fiscal year 2026, expected by 31-07-2027

2026

19-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 19 days late

2025

31-12

Financial Weakest financial yearnet €-31k ▼141%

Net result drops to €-31k, the lowest in the series.

30-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 30 days late

2024

31-12

Financial Highest result since 2023net €75k ▲10175%

Operating result €101k, net result €75k, both a record.

13-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 13 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 director, no change since 2025

Justine Hanset

Director · since 26-09-2022

Current

05-05-2025 Resigned as Director

26-09-2022 Appointed as Director

Location & real-estate footprint

Registered office, Charleroi · 1 establishment unit since 2022

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.

Rue des Mésanges 166001 Charleroi

Ground area

936 m²

Building footprint

218 m²

Volume, LiDAR

1,779 m³

Parcel 52392C0756/00M012, Wallonia · tallest building 20.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Rue des Mésanges 16, 6001 Charleroi

Installation of electric heating, air conditioning, cooling and ventilation

since 20222.337.202.429

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52392C0756/00M012	Wallonia	935 m²	1 · 218 m²	20.3 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.

Structure & network

Connections & network

1 connected company

Network connections

ARTISANAL HOME & TOITURE

Shared address

→

Similar companies · same sector, comparable size

BERCO

BE 1004.217.739

Geraardsbergen · Eq €16k

KANEO

BE 0765.871.121

Boortmeerbeek · Eq €16k

Of 9,478 companies in sector 43222 we hold annual accounts for 5,627. 3,222 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-09-2022

Fiscal year end31-12

Activities, NACEBEL

43222Installation of electric heating, air conditioning, cooling and ventilation

43990Other specialised construction activities

43999Specialised construction activities

71121Engineering and related technical consultancy, excluding land surveyors

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.