BE-COOL
ActiveSummary
BE-COOL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €-3k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 17% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability13▲+13
Solvency39▼-34
Growth32=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.08 against 1.9 in 2024; short-term debt: 86.3% and cash: 0.5% of total assets), and 86.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
13.7%
Return on assets
-4.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-3k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 27965 sector peers (2025).
NBB · sector comparisonPosition among 27965 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
91 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 25.2%
2024 · €14k
Total assets
€75k▲ 161%
2024 · €29k
Net result
€-3k▲ 92.7%
2024 · €-48k
Working capital
€5k▼ 59.9%
2024 · €14k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€4k▲ 57.1%€5k▲ 13.9%€7k▲ 37.4%€-46k€-2k▲ 95.6%
Net result€3k▲ 22.5%€2k▼ 30.4%€3k▲ 61.2%€-48k€-3k▲ 92.7%
Equity€56k▲ 5.0%€58k▲ 3.3%€61k▲ 5.2%€14k▼ 77.6%€10k▼ 25.2%
Total assets€100k▼ 5.4%€114k▲ 14.1%€79k▼ 30.3%€29k▼ 63.8%€75k▲ 161%
Debt€44k▼ 16.2%€56k▲ 28.1%€18k▼ 67.4%€15k▼ 17.1%€65k▲ 330%
Working capital€49k▲ 9.2%€51k▲ 5.1%€59k▲ 15.1%€14k▼ 77.2%€5k▼ 59.9%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €46k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€5k ▲ 2,136%
Current assets
€70k ▲ 146%
Equity and liabilities €75k
Equity
€10k ▼ 25.2%
Debt
€65k ▲ 330%
Debt's share of the balance-sheet total rises from 52.3% to 86.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-1k▲
2024 · €-44k
Cash flow
€-3k▲
2024 · €-46k
Current ratio
1.08▼
2024 · 1.90
Debt to equity
6.31▲
2024 · 1.10
ROE
-33.6%▲
2024 · -346.8%
ROA
-4.6%▲
2024 · -165.3%
Interest coverage
-0.90▲
2024 · -21.60
Debt ≤ 1 year
€65k▲
2024 · €15k
Income taxes
€60▲
2024 · €-4
Staff costs
€45k▲
2024 · €42k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €456 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | €36k | €42k | €45k | ▲ 7.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €7k | €7k | €2k | €711 | ▼ 65.3% |
| Other operating charges640/8 | €4k | €4k | €4k | €2k | €6k | ▲ 177% |
| Gross operating margin9900 | €16k | €16k | €54k | €834 | €50k | ▲ 5,934% |
| Operating profit (loss)9901 | €4k | €5k | €7k | €-46k | €-2k | ▲ 95.6% |
| Financial income75/76B | €2 | €5 | €3 | - | €10 | - |
| Recurring financial income75 | €2 | €5 | €3 | - | €10 | - |
| Financial charges65/66B | €856 | €664 | €2k | €2k | €1k | ▼ 29.8% |
| Recurring financial charges65 | €856 | €664 | €2k | €2k | €1k | ▼ 29.8% |
| Profit (loss) for the period before taxes9903 | €4k | €4k | €5k | €-48k | €-3k | ▲ 92.9% |
| Income taxes67/77 | €910 | €3k | €2k | €-4 | €60 | ▲ 1,605% |
| Profit (loss) for the period9904 | €3k | €2k | €3k | €-48k | €-3k | ▲ 92.7% |
| Profit (loss) for the period to be appropriated9905 | €3k | €2k | €3k | €-48k | €-3k | ▲ 92.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €100k | €114k | €79k | €29k | €75k | ▲ 161% |
| Fixed assets21/28 | €15k | €9k | €2k | €217 | €5k | ▲ 2,136% |
| Tangible fixed assets22/27 | €15k | €9k | €2k | €136 | €5k | ▲ 3,407% |
| Plant, machinery and equipment23 | €686 | €502 | €319 | €136 | €1k | ▲ 868% |
| Furniture and vehicles24 | €15k | €8k | €2k | - | €3k | - |
| Financial fixed assets28 | €81 | €81 | €81 | €81 | €81 | = |
| Current assets29/58 | €84k | €105k | €77k | €29k | €70k | ▲ 146% |
| Stocks and contracts in progress3 | - | - | €30k | - | - | - |
| Contracts in progress37 | - | - | €30k | - | - | - |
| Amounts receivable within one year40/41 | €36k | €55k | €39k | €17k | €58k | ▲ 240% |
| Trade receivables40 | €9k | €33k | €28k | €12k | €51k | ▲ 327% |
| Other amounts receivable41 | €27k | €22k | €11k | €5k | €7k | ▲ 35.6% |
| Cash at bank and in hand54/58 | €48k | €49k | €6k | €5k | €367 | ▼ 92.9% |
| Deferred charges and accrued income490/1 | €460 | €2k | €2k | €6k | €12k | ▲ 88.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €100k | €114k | €79k | €29k | €75k | ▲ 161% |
| Equity10/15 | €56k | €58k | €61k | €14k | €10k | ▼ 25.2% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Reserves13 | €245 | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €245 | €2k | €2k | €2k | - | - |
| Reserves not available under the articles1311 | €245 | €2k | €2k | €2k | - | - |
| Distributable reserves133 | - | - | - | - | €2k | - |
| Profit (loss) carried forward14 | €36k | €36k | €39k | €-8k | €-12k | ▼ 41.7% |
| Amounts payable17/49 | €44k | €56k | €18k | €15k | €65k | ▲ 330% |
| Amounts payable after more than one year17 | €8k | €2k | - | - | - | - |
| Financial debts170/4 | €8k | €2k | - | - | - | - |
| Amounts payable within one year42/48 | €36k | €54k | €18k | €15k | €65k | ▲ 330% |
| Current portion of amounts payable after more than one year42 | €16k | €11k | €2k | - | - | - |
| Financial debts43 | - | €2k | €332 | - | - | - |
| Credit institutions430/8 | - | €2k | €332 | - | - | - |
| Trade debts44 | €2k | €40k | €11k | €3k | €40k | ▲ 1,044% |
| Suppliers440/4 | €2k | €40k | €11k | €3k | €40k | ▲ 1,044% |
| Advances received on contracts in progress46 | - | - | - | - | €12k | - |
| Taxes, remuneration and social security45 | €12k | €2k | €5k | €5k | €3k | ▼ 45.3% |
| Taxes450/3 | €12k | €2k | €3k | - | €60 | - |
| Remuneration and social security454/9 | - | - | €2k | €5k | €3k | ▼ 46.6% |
| Other amounts payable47/48 | €6k | - | - | €7k | €10k | ▲ 42.0% |
| Accrued charges and deferred income492/3 | €81 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €2k | €3k | €-48k | €-3k | ▲ 92.7% |
| + Depreciation and write-downs630 | €7k | €7k | €7k | €2k | €711 | ▼ 65.3% |
| Operating cash flow (approximation) | €10k | €9k | €10k | €-46k | €-3k | ▲ 94.0% |
| Investment in fixed assets (approximation) | - | €-456 | €0 | €-215 | €-5k | ▼ 2,390% |
| Change in cash | - | €172 | €-42k | €-1k | €-5k | ▼ 276% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-48k
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €3k ▲61.2%
Operating result €7k, net result €3k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.26
Current ratio from 1.96 to 4.26; short-term debt falls from €54k to €18k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are 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 2006
Ground area
135 m²
Building footprint
164 m²
Parcel 52020C0421/00Y003, Wallonia. Linked by address, not a title deed.
1 establishment unit
BE-COOL SCRL
since 20062.157.913.864
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52020C0421/00Y003 | Wallonia | 135 m² | 1 · 164 m² | - |
Linked by address, not proof of ownership
Good to know
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
MLS COMFORT
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EDS Systems
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A&O Power Solutions
BE 0803.578.583
As · Eq €10,238
A-D-F
BE 0873.954.360
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MBtech
BE 1027.416.971
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Of 9,534 companies in sector 43222 we hold annual accounts for 5,664. 2,578 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-11-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
Contact
E-mail
becool.scri@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.