Skip to content

CHAUFFAMA

Active
Private limited companyfounded 20242 yrs activeRue Thiembecq 32, 1430 Rebecq, BelgiumKBO/BCE: BE 1006.273.941
Summary

The computed 12-month bankruptcy probability of CHAUFFAMA is 2.5% (moderate). The 2025 annual accounts show equity of €17,869 and a net result of €19,942. Its solvency ranks better than 62% of 28374 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency83▲+65
Growth78
Track record82
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 2.03 against 0.85 in 2024; short-term debt: 42.4% and cash: 10.1% of total assets), and 42.4% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
57.6%
Return on assets
64.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 29-07-2026, 2 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
2 d early
2024
29 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 14 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

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 months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

CHAUFFAMA was incorporated on 21 February 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€17,869
2024 · -€2,073
Total assets
€31,011▼ 0.2%
2024 · €31,077
Net result
€19,942
2024 · -€8,073
Working capital
€13,567
2024 · -€4,942
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result-€7,664-€26,641
Net result-€8,073below the sector's middle half-€19,942within the sector's middle half
Equity-€2,073below the sector's middle half-€17,869below the sector's middle half
Total assets€31,077below the sector's middle half-€31,011below the sector's middle half▼ 0.2%
Debt€33,151-€13,142▼ 60.4%
Working capital-€4,942below the sector's middle half-€13,567within the sector's middle half
Solvency-6.7%below the sector's middle half-57.6%within the sector's middle half▲ 64.3pp
Current ratio0.85below the sector's middle half-2.03within the sector's middle half▲ 1.18
Return on assets (ROA)-26.0%below the sector's middle half-64.3%above the sector's middle half▲ 90.3pp
above within below the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000€30,000Operating result 2024: -€7,664-€7,664Net result 2024: -€8,073-€8,073Operating result 2025: €26,641€26,641Net result 2025: €19,942€19,94220242025-€10,000€0€10,000€20,000€30,000Operating result 2024: -€7,664-€7,660Net result 2024: -€8,073-€8,070Operating result 2025: €26,641€26,600Net result 2025: €19,942€19,90020242025
The operating result returns to profit in 2025: €26,641 after a loss of €7,664 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31,011
Fixed assets €4,302 ▲ 57.1%
Current assets €26,710 ▼ 5.3%
Equity and liabilities €31,011
Equity €17,869
Debt €13,142
Debt finances 42.4% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
EBITDA
€28,061▲
2024 · -€6,571
Cash flow
€21,362▲
2024 · -€6,980
Debt to equity
0.74▲
2024 · -15.99
ROE
111.6%
Interest coverage
16.18▲
2024 · -14.06
Debt ≤ 1 year
€13,142▼
2024 · €33,151
Income taxes
€4,999▲
2024 · €170
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet Code20242025
Assets
Total assets20/58€31,077€31,011▼
Formation expenses20€130-
Fixed assets21/28€2,739€4,302▲
Tangible fixed assets22/27€2,739€4,302▲
Furniture and vehicles24-€2,347
Leasing and similar rights25€2,739€1,955▼
Current assets29/58€28,208€26,710▼
Amounts receivable within one year40/41€13,891€22,096▲
Trade receivables40€3,232€12,000▲
Other amounts receivable41€10,659€10,096▼
Cash at bank and in hand54/58€13,477€3,129▼
Deferred charges and accrued income490/1€840€1,485▲
Equity and liabilities
Total equity and liabilities10/49€31,077€31,011▼
Equity10/15-€2,073€17,869▲
Contributions10/11€6,000€6,000=
Profit (loss) carried forward14-€8,073€11,869▲
Amounts payable17/49€33,151€13,142▼
Amounts payable within one year42/48€33,151€13,142▼
Trade debts44€24,882€11,878▼
Suppliers440/4€24,882€11,878▼
Taxes, remuneration and social security45€214€500▲
Taxes450/3€214€500▲
Other amounts payable47/48€8,054€765▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,094€1,419▲
Other operating charges640/8€486€3,881▲
Gross operating margin9900-€6,085€31,942▲
Operating profit (loss)9901-€7,664€26,641▲
Financial income75/76B€229€34▼
Recurring financial income75€229€34▼
Financial charges65/66B€467€1,734▲
Recurring financial charges65€467€1,734▲
Profit (loss) for the period before taxes9903-€7,903€24,942▲
Income taxes67/77€170€4,999▲
Profit (loss) for the period9904-€8,073€19,942▲
Profit (loss) for the period to be appropriated9905-€8,073€19,942▲
Appropriation of the result
Profit (loss) to be appropriated9906-€8,073€11,869▲
Profit (loss) brought forward from the previous period14P--€8,073

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,094€1,419▲ 29.8%
Other operating charges640/8€486€3,881▲ 699%
Gross operating margin9900-€6,085€31,942▲ 625%
Operating profit (loss)9901-€7,664€26,641▲ 448%
Financial income75/76B€229€34▼ 85.1%
Recurring financial income75€229€34▼ 85.1%
Financial charges65/66B€467€1,734▲ 271%
Recurring financial charges65€467€1,734▲ 271%
Profit (loss) for the period before taxes9903-€7,903€24,942▲ 416%
Income taxes67/77€170€4,999▲ 2,833%
Profit (loss) for the period9904-€8,073€19,942▲ 347%
Profit (loss) for the period to be appropriated9905-€8,073€19,942▲ 347%
Line20242025Change
Assets
Total assets20/58€31,077€31,011▼ 0.2%
Formation expenses20€130--
Fixed assets21/28€2,739€4,302▲ 57.1%
Tangible fixed assets22/27€2,739€4,302▲ 57.1%
Furniture and vehicles24-€2,347-
Leasing and similar rights25€2,739€1,955▼ 28.6%
Current assets29/58€28,208€26,710▼ 5.3%
Amounts receivable within one year40/41€13,891€22,096▲ 59.1%
Trade receivables40€3,232€12,000▲ 271%
Other amounts receivable41€10,659€10,096▼ 5.3%
Cash at bank and in hand54/58€13,477€3,129▼ 76.8%
Deferred charges and accrued income490/1€840€1,485▲ 76.8%
Equity and liabilities
Total equity and liabilities10/49€31,077€31,011▼ 0.2%
Equity10/15-€2,073€17,869▲ 962%
Contributions10/11€6,000€6,000=
Profit (loss) carried forward14-€8,073€11,869▲ 247%
Amounts payable17/49€33,151€13,142▼ 60.4%
Amounts payable within one year42/48€33,151€13,142▼ 60.4%
Trade debts44€24,882€11,878▼ 52.3%
Suppliers440/4€24,882€11,878▼ 52.3%
Taxes, remuneration and social security45€214€500▲ 133%
Taxes450/3€214€500▲ 133%
Other amounts payable47/48€8,054€765▼ 90.5%
Line20242025Change
Profit (loss) for the period9904-€8,073€19,942▲ 347%
+ Depreciation and write-downs630€1,094€1,419▲ 29.8%
Operating cash flow (approximation)-€6,980€21,362▲ 406%
Investment in fixed assets (approximation)--€2,982-
Change in cash--€10,348-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €19,942
Net result €19,942 after one loss-making year.
31-12
Financial Liquidity doublescurrent ratio 2.03
Current ratio from 0.85 to 2.03; short-term debt falls from €33,151 to €13,142.
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Rebecq · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
359 m²
Building footprint
43 m²
Volume, LiDAR
373 m³
Parcel 25394E0156/00E010, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chauffama
Rue Thiembecq 32, 1430 RebecqRepair, maintenance and installation of machinery and equipment
since 20242.357.436.827
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25394E0156/00E010 Wallonia 359 m² 1 · 43 m² 10.0 m · 3 fl.
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

Of 7,043 companies in sector 43221 we hold annual accounts for 3,480. 2,359 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
Founded21-02-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43120Site preparation
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
81300Landscape service activities
82990Other business support services
Contact
E-mail chauffama@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:1006273941
Also 9925:BE1006273941
Registered 28-03-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.