CHAUFF'HOME CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of CHAUFF'HOME CONSTRUCT is 1.8% (moderate). The 2025 annual accounts show equity of €1.37M and a net result of €472k. Equity is growing by ~104.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-6
Solvency68▲+3
Growth85▲+7
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.43 in 2024; short-term debt: 41.1% and cash: 1.3% of total assets), but 57% 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
43%
Return on assets
14.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
31 d early
2023
34 d early
2022
28 d early
2021
32 d early
2020
29 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€8.63M▲ 98.9%
2024 · €4.34M
2024: €4.34M
2024 → 2025
EBIT margin
9.5%▼ 3.4pp
2024 · 12.9%
2024: 12.9%
2024 → 2025
Net result
€472k▲ 39.7%
2024 · €338k
2020: €37k
2021: €4k
2022: €209k
2023: €306k
2024: €338k
2020 → 2025
Working capital
€768k▲ 121%
2024 · €348k
2020: €35k
2021: €39k
2022: €16k
2023: €113k
2024: €348k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€4.34M€8.63M▲ 98.9%
Equity€56k-€252k▲ 352%€558k▲ 122%€896k▲ 60.6%€1.37M▲ 52.7%
Operating result€6k-€323k▲ 5,611%€430k▲ 33.3%€558k▲ 29.8%€816k▲ 46.3%
Net result€4k-€209k▲ 5,036%€306k▲ 46.5%€338k▲ 10.5%€472k▲ 39.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 46% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.19M
Fixed assets
€1.11M ▲ 1.7%
Current assets
€2.08M ▲ 79.1%
Equity and liabilities €3.19M
Equity
€1.37M ▲ 52.7%
Debt
€1.82M ▲ 34.3%
Debt's share of the balance-sheet total falls from 60.2% to 57.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€897k▲
2024 · €644k
Cash flow
€553k▲
2024 · €424k
Current ratio
1.59▲
2024 · 1.43
Quick ratio
1.52▲
2024 · 1.32
Debt to equity
1.33▼
2024 · 1.51
ROE
34.5%▼
2024 · 37.7%
ROA
14.8%▼
2024 · 15.0%
Interest coverage
13.76▼
2024 · 16.08
Debt ≤ 1 year
€1.31M▲
2024 · €812k
Debt > 1 year
€509k▼
2024 · €542k
Income taxes
€279k▲
2024 · €181k
Staff costs
€574k▲
2024 · €320k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.25M€3.19M▲
Fixed assets21/28€1.09M€1.11M▲
Intangible fixed assets21€8k€6k▼
Tangible fixed assets22/27€1.06M€1.06M▼
Land and buildings22€75k€75k=
Plant, machinery and equipment23€57k€58k▲
Furniture and vehicles24€114k€133k▲
Leasing and similar rights25€17k€18k▲
Other tangible fixed assets26€2k€4k▲
Assets under construction and advance payments27€799k€774k▼
Financial fixed assets28€19k€42k▲
Current assets29/58€1.16M€2.08M▲
Stocks and contracts in progress3€85k€85k=
Stocks30/36€85k€85k=
Amounts receivable within one year40/41€708k€1.92M▲
Trade receivables40€608k€1.78M▲
Other amounts receivable41€100k€147k▲
Cash at bank and in hand54/58€351k€43k▼
Deferred charges and accrued income490/1€15k€27k▲
Equity and liabilities
Total equity and liabilities10/49€2.25M€3.19M▲
Equity10/15€896k€1.37M▲
Contributions10/11€15k€15k=
Reserves13€450k€650k▲
Distributable reserves133€450k€650k▲
Profit (loss) carried forward14€431k€704k▲
Amounts payable17/49€1.35M€1.82M▲
Amounts payable after more than one year17€542k€509k▼
Financial debts170/4€542k€509k▼
Amounts payable within one year42/48€812k€1.31M▲
Current portion of amounts payable after more than one year42€248k€140k▼
Trade debts44€351k€1.04M▲
Suppliers440/4€351k€1.04M▲
Taxes, remuneration and social security45€214k€131k▼
Taxes450/3€210k€131k▼
Remuneration and social security454/9€3k-
Income statement
Code20242025
Turnover70€4.34M€8.63M▲
Goods, raw materials, services and sundry goods60/61€3.35M€7.16M▲
Remuneration, social security and pensions62€320k€574k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€80k▼
Other operating charges640/8€8k€1k▼
Non-recurring operating charges66A€19k-
Gross operating margin9900€992k€1.47M▲
Operating profit (loss)9901€558k€816k▲
Financial income75/76B€1k-
Recurring financial income75€1k-
Financial charges65/66B€40k€65k▲
Recurring financial charges65€40k€65k▲
Profit (loss) for the period before taxes9903€520k€751k▲
Income taxes67/77€181k€279k▲
Profit (loss) for the period9904€338k€472k▲
Profit (loss) for the period to be appropriated9905€338k€472k▲
Appropriation of the result
Profit (loss) to be appropriated9906€631k€904k▲
Profit (loss) brought forward from the previous period14P€293k€431k▲
Transfer to equity691/2€200k€200k=
To other reserves6921€200k€200k=
The notes to these accounts (11 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €472k ▲39.7%
Operating result €816k, net result €472k, both a record.
31-12
Financial
Equity above €1MEq €1.37M ▲52.7%
6 profitable years in a row build equity to €1.37M.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500kEq €558k ▲122%
4 profitable years in a row build equity to €558k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €252k ▲352%
3 profitable years in a row build equity to €252k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €4k ▼88.9%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Charleroi · 1 establishment unit since 2020
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 de Dublin 46040 Charleroi1 establishment unit
Rue de Dublin 4, 6040 Charleroi
since 20202.307.239.327
Recognitions · licences · registrations
Recognised contractor
8 categoriesCHAUFF'HOME CONSTRUCT SRL41347
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ALRESAN
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FIERENS
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 2,623 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
Founded01-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filings
Scores and ratios are computed by Checked and are not a credit decision.