Age2 yrs
Real estate1 parcel · 226 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CHALEUR EXPRESS CONSTRUCT is 3.1% (moderate). The 2024 annual accounts show equity of €9k and a net result of €6k. Its solvency ranks better than 31% of 11087 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 21-08-2025 | 21 d late | 2025-00393789 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.1%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€6k
Working capital€155
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 21-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 25.1% | 40.9% | |
| Net result | €6k | €11k | |
| Equity | €9k | €34k | |
| Gross operating margin | €43k | €35k | |
| Staff costs | €33k | €25k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €9k |
| Net profit | €6k |
| Cash flow | €8k |
| Staff costs | €33k |
| Income taxes | - |
| Dividends | - |
| Total assets | €34k |
| Equity | €9k |
| Debt | €26k |
| of which ≤ 1y | €26k |
| of which > 1y | - |
| Working capital | €155 |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.01 |
| Quick ratio | 1.01 |
| Working capital ratio | 0.4% |
| Solvency | 25.1% |
| Debt / equity | 2.99 |
| Long-term debt ratio | - |
| Interest coverage | 6.06 |
| Gross margin | - |
| Net margin | - |
| ROA | 16.4% |
| ROE | 65.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €34k |
| Fixed assets | 21/28 | €8k |
| Tangible fixed assets | 22/27 | €8k |
| Current assets | 29/58 | €26k |
| Amounts receivable within one year | 40/41 | €15k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €34k |
| Equity | 10/15 | €9k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €6k |
| Amounts payable | 17/49 | €26k |
| Amounts payable within one year | 42/48 | €26k |
| Trade debts payable within one year | 44 | €25k |
| Income statement | ||
| Gross operating margin | 9900 | €43k |
| Operating result | 9901 | €7k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €6k |
| Net result for the period | 9904 | €6k |
| Result to be appropriated | 9905 | €6k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed78
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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 Jean Jaurès 506061 CharleroiEstablishment units
1 locationCHALEUR EXPRESS CONSTRUCT
since 20232.350.070.468
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area226 m²
Buildings1
Building footprint59 m²
Volume (LiDAR)475 m³
Tallest building10.0 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52049B0111/00L003 | Wallonia | 226 m² | 1 · 58 m² | 10.0 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Address history · 1
02-01-2025
Registered-office move
All acts · 2
updated 1 year ago
2025
07-01-2025 Articles of association amended, translation of the articles and full restatement of the articles
Summary:
L'objet de la société a été redéfini pour inclure toutes les activités liées à la vente et l'installation de systèmes de chauffage, plomberie et climatisation, ainsi que la commercialisation de produi…Notary:
Sandrine STOCK · Couillet/Charleroi
02-01-2025 Registered office moved from Overijse to Charleroi
- 3090 Overijse, Brusselsesteenweg 292 → 6061 Charleroi (Montignies-sur-Sambre), Rue Jean Jaurès 50
Notary:
Sandrine STOCK · Charleroi
Analysis
Snowflake analysis
financial profile on 5 axes71
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
78
Profitability
100
Solvency
38
Growth
-
Stability
67
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorBE 0804.497.214 · Braine-le-Comte
BE 1003.687.407 · Tremelo
BE 0761.903.722 · Florenville
BE 1003.246.452 · Brussel
BE 1005.609.391 · Sint-Pieters-Leeuw
We hold annual accounts for 1,428 of the 9,473 companies in this sector. 887 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Installatie van verwarming, klimaatregeling en ventilatie43222Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit43222Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Detailhandel in sanitaire artikelen en sanitair installatiemateriaal in gespecialiseerde winkels47527Detailhandel in sanitaire artikelen en sanitair installatiemateriaal47527
Primary activity highlighted.
Names & trade names
| Legal nameNL | CHALEUR EXPRESS CONSTRUCT |
Registered office
Rue Jean Jaurès 50
6061 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.