CA Heating

Active

Private limited companyfounded 20224 yrs activeAkkerstraat 14, 9700 Oudenaarde, BelgiumKBO/BCE: BE 0786.947.340

The computed 12-month bankruptcy probability of CA Heating is 2.6% (moderate). The 2025 annual accounts show equity of €94k and a net result of €-15k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 27319 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

52 / 100

Fair▼ -41 vs 2024

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

Axes · tick = 2024

Profitability0▼-100

Solvency100=

Growth52=

Stability94

Bankruptcy probability, 12 months

2.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 5.68 against 3.97 in 2024), and 16.8% 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

Five 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 →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

on the day

2024

29 d late

2023

7 d early

← 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

12-09-2026 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

€94k▼ 13.8%

2024 · €109k

2023: €86k 2024: €109k

2023 → 2025

Total assets

€113k▼ 17.4%

2024 · €137k

2023: €140k 2024: €137k

2023 → 2025

Net result

€-15k

2024 · €24k

2023: €72k 2024: €24k

2023 → 2025

Working capital

€83k▲ 21.5%

2024 · €68k

2023: €36k 2024: €68k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€86k-€109k▲ 27.1%€94k▼ 13.8%

Operating result€93k-€33k▼ 63.9%€-14k

Net result€72k-€24k▼ 66.2%€-15k

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 €14k after €33k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €113k

11%

88.6%

Fixed assets €13k▼ 72.0%

Current assets €100k▲ 10.3%

Equity and liabilities €113k

83.2%

16.8%

Equity €94k▼ 13.8%

Debt €19k▼ 31.7%

The debt ratio falls from 20.3% to 16.8%: debt falls faster than equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-10k▼

2024 · €48k

Cash flow

€-12k▼

2024 · €39k

Solvency

83.2%▲

2024 · 79.7%

Current ratio

5.68▲

2024 · 3.97

Quick ratio

5.29▲

2024 · 3.60

Debt / equity

0.20▼

2024 · 0.25

ROE

-16.0%▼

2024 · 22.3%

ROA

-13.3%▼

2024 · 17.8%

Interest coverage

-8.20▼

2024 · 31.10

Debt

€19k▼

2024 · €28k

Debt ≤ 1 year

€18k▼

2024 · €23k

Debt > 1 year

€256▼

2024 · €3k

Income taxes

€132▼

2024 · €8k

Staff costs

€0▼

2024 · €2k

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€137k€113k▼

Fixed assets21/28€46k€13k▼

Intangible fixed assets21€3k€0▼

Tangible fixed assets22/27€43k€13k▼

Plant, machinery and equipment23€3k€0▼

Furniture and vehicles24€34k€8k▼

Other tangible fixed assets26€6k€5k▼

Financial fixed assets28€25€0▼

Current assets29/58€91k€100k▲

Stocks and contracts in progress3€8k€7k▼

Stocks30/36€8k€7k▼

Amounts receivable within one year40/41€15k€25k▲

Trade receivables40€11k€15k▲

Other amounts receivable41€4k€10k▲

Cash at bank and in hand54/58€63k€61k▼

Deferred charges and accrued income490/1€5k€8k▲

Equity and liabilities

Total equity and liabilities10/49€137k€113k▼

Equity10/15€109k€94k▼

Contributions10/11€15k€15k=

Profit (loss) carried forward14€94k€79k▼

Amounts payable17/49€28k€19k▼

Amounts payable after more than one year17€3k€256▼

Financial debts170/4€3k€256▼

Amounts payable within one year42/48€23k€18k▼

Current portion of amounts payable after more than one year42€3k€3k▲

Trade debts44€10k€8k▼

Suppliers440/4€10k€8k▼

Taxes, remuneration and social security45€2k€0▼

Taxes450/3€356€0▼

Remuneration and social security454/9€2k€0▼

Other amounts payable47/48€7k€7k▼

Accrued charges and deferred income492/3€2k€1k▼

Income statement Code20242025

Remuneration, social security and pensions62€2k€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€4k▼

Other operating charges640/8€2k€2k▼

Non-recurring operating charges66A-€34k

Gross operating margin9900€52k€26k▼

Operating profit (loss)9901€33k€-14k▼

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€32k€-15k▼

Income taxes67/77€8k€132▼

Profit (loss) for the period9904€24k€-15k▼

Profit (loss) for the period to be appropriated9905€24k€-15k▼

Appropriation of the result

Profit (loss) to be appropriated9906€95k€79k▼

Profit (loss) brought forward from the previous period14P€71k€94k▲

Profit to be distributed694/7€1k€0▼

Return on contributions (dividend)694€1k€0▼

The notes to these accounts (19 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 6Financial 3Filings 3

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

2026

31-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-15k ▼162%

Net result drops to €-15k, the lowest in the series.

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

31-12

Financial Liquidity doublescurrent ratio 3.97

Current ratio from 1.78 to 3.97; short-term debt falls from €47k to €23k.

31-12

Financial Equity above €100kEq €109k ▲27.1%

2 profitable years in a row build equity to €109k.

24-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

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

Directors · office · real estate

Directors

2 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, Oudenaarde · 1 establishment unit since 2022

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.

Akkerstraat 149700 Oudenaarde

Ground area

253 m²

Building footprint

83 m²

Parcel 45502A0922/00T000, Flanders. Linked by address, not a title deed.

1 establishment unit

CA Heating

Akkerstraat 14, 9700 OudenaardeRepair and maintenance of fabricated metal products

since 20222.332.336.789

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45502A0922/00T000	Flanders	252 m²	1 · 83 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.

Similar companies · same sector, comparable size

MG CHAUFFAGE ET SANITAIRE

Beveren-Kruibeke-Zwijndrecht · Eq €94k

Of 6,988 companies in sector 43221 we hold annual accounts for 3,443. 3,033 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-06-2022

Fiscal year end31-12

Activities, NACEBEL

43221Plumbing work

33110Repair and maintenance of fabricated metal products

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

46130Agents in the wholesale of timber and building materials

46150Agents in the wholesale of furniture, household goods and hardware

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.