BDL CHAUFFAGE
ActiveSummary
The computed 12-month bankruptcy probability of BDL CHAUFFAGE is 2.4% (moderate). The 2025 annual accounts show equity of €91k and a net result of €23k. Equity is growing by ~33.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 27786 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+1
Solvency100=
Growth35▼-10
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 7.52 against 5.07 in 2024; short-term debt: 12.5% and cash: 58.4% of total assets), and 12.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 dateAge against the risk zone
raises risk · 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.5%
Return on assets
22.5%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-06-2026, 40 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 filingsDeviation from the deadline
2025
40 d late
2024
15 d late
2023
16 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€100k▼ 19.0%
2024 · €124k
2023: €125k
2024: €124k
2023 → 2025
EBIT margin
30.8%▲ 14.9pp
2024 · 15.9%
2023: 48.4%
2024: 15.9%
2023 → 2025
Net result
€23k▲ 6.1%
2024 · €22k
2023: €44k
2024: €22k
2023 → 2025
Working capital
€85k▲ 36.4%
2024 · €62k
2023: €48k
2024: €62k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€125k-€124k▼ 1.4%€100k▼ 19.0%
Equity€45k-€68k▲ 48.4%€91k▲ 34.6%
Operating result€61k-€20k▼ 67.5%€31k▲ 56.6%
Net result€44k-€22k▼ 49.9%€23k▲ 6.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 57% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€6k ▲ 13.8%
Current assets
€98k ▲ 26.3%
Equity and liabilities €104k
Equity
€91k ▲ 34.6%
Debt
€13k ▼ 14.7%
Debt's share of the balance-sheet total falls from 18.4% to 12.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €22k
Cash flow
€25k▲
2024 · €24k
Current ratio
7.52▲
2024 · 5.07
Debt to equity
0.14▼
2024 · 0.23
ROE
25.7%▼
2024 · 32.6%
ROA
22.5%▼
2024 · 26.6%
Interest coverage
85.59▲
2024 · 85.45
Debt ≤ 1 year
€13k▼
2024 · €15k
Income taxes
€8k▲
2024 · €-172
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 · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€83k€104k▲
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€5k€6k▲
Plant, machinery and equipment23€289€1k▲
Furniture and vehicles24€4k€4k▲
Leasing and similar rights25€1k€1k▼
Current assets29/58€77k€98k▲
Stocks and contracts in progress3€1k-
Stocks30/36€1k-
Amounts receivable within one year40/41€54k€36k▼
Trade receivables40€26k€15k▼
Other amounts receivable41€28k€21k▼
Cash at bank and in hand54/58€21k€61k▲
Deferred charges and accrued income490/1€1k€893▼
Equity and liabilities
Total equity and liabilities10/49€83k€104k▲
Equity10/15€68k€91k▲
Contributions10/11€2k€2k=
Capital10€2k€2k=
Issued capital100€2k€2k=
Profit (loss) carried forward14€66k€89k▲
Amounts payable17/49€15k€13k▼
Amounts payable within one year42/48€15k€13k▼
Financial debts43€5k€2k▼
Credit institutions430/8€5k€2k▼
Trade debts44€10k€11k▲
Suppliers440/4€10k€11k▲
Income statement
Code20242025
Turnover70€124k€100k▼
Goods, raw materials, services and sundry goods60/61€101k€67k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€877
Other operating charges640/8€775-
Gross operating margin9900€23k€34k▲
Operating profit (loss)9901€20k€31k▲
Financial income75/76B€2k€893▼
Recurring financial income75€2k€893▼
Financial charges65/66B€258€382▲
Recurring financial charges65€258€382▲
Profit (loss) for the period before taxes9903€22k€31k▲
Income taxes67/77€-172€8k▲
Profit (loss) for the period9904€22k€23k▲
Profit (loss) for the period to be appropriated9905€22k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€89k▲
Profit (loss) brought forward from the previous period14P€44k€66k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 15 days late
2024
30-09
Financial
Weakest financial yearnet €22k ▼49.9%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 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, Seneffe · 1 establishment unit since 2023
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 Omer Lion 957181 SeneffeGround area
379 m²
Building footprint
63 m²
Parcel 52003A0407/00M005, Wallonia. Linked by address, not a title deed.
1 establishment unit
BDL CHAUFFAGE
since 20232.348.526.485
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52003A0407/00M005 | Wallonia | 379 m² | 1 · 63 m² | - |
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.
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,887 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
Founded24-02-2023
Fiscal year end30-09
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bdl.pelletbois@gmail.com
Phone:+32472922294