CHAUFFECO
ActiveThe computed 12-month bankruptcy probability of CHAUFFECO is 2.0% (moderate). The 2025 annual accounts show equity of €19k and a net result of €5k. Equity is shrinking by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 28% of 27619 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-11
Solvency52▼-47
Growth31▼-13
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 3.68 in 2024; short-term debt: 73.3% and cash: 53.9% of total assets), and 73.3% of the assets are financed with debt.
Credit advice 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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
26.7%
Return on assets
7.9%
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 04-03-2026, 149 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
149 d early
2024
36 d early
2023
44 d early
2022
54 d early
2021
41 d early
2020
32 d early
2019
30 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€271k▲ 15.3%
2023 · €235k
2019: €293k
2020: €301k
2021: €296k
2022: €257k
2023: €235k
2019 → 2024
EBIT margin
12.3%▲ 14.1pp
2023 · -1.8%
2019: 16.9%
2020: 19.9%
2021: 2.8%
2022: -1.8%
2023: -1.8%
2019 → 2024
Net result
€5k▼ 83.4%
2024 · €33k
2019: €35k
2020: €53k
2021: €-2k
2022: €888
2023: €-5k
2024: €33k
2019 → 2025
Working capital
€10k▼ 83.4%
2024 · €58k
2019: €39k
2020: €48k
2021: €39k
2022: €33k
2023: €38k
2024: €58k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€296k-€257k▼ 13.0%€235k▼ 8.7%€271k▲ 15.3%
Equity€62k-€49k▼ 21.2%€44k▼ 9.4%€60k▲ 34.6%€19k▼ 68.9%
Operating result€8k-€-5k€-4k▲ 10.3%€33k€11k▼ 68.2%
Net result€-2k-€888€-5k€33k€5k▼ 83.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€9k▲ 303%
Current assets
€61k▼ 23.4%
Equity and liabilities €70k
Equity
€19k▼ 68.9%
Debt
€51k▲ 137%
The debt ratio rises from 26.4% to 73.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €35k
Cash flow
€8k▼
2024 · €34k
Solvency
26.7%▼
2024 · 73.6%
Current ratio
1.19▼
2024 · 3.68
Quick ratio
1.19▼
2024 · 3.68
Debt / equity
2.74▲
2024 · 0.36
ROE
29.5%▼
2024 · 55.2%
ROA
7.9%▼
2024 · 40.6%
Interest coverage
150.26▼
2024 · 335.64
Debt
€51k▲
2024 · €22k
Debt ≤ 1 year
€51k▲
2024 · €22k
Income taxes
€5k▲
2024 · €267
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€81k€70k▼
Fixed assets21/28€2k€9k▲
Tangible fixed assets22/27€2k€8k▲
Furniture and vehicles24€2k€8k▲
Financial fixed assets28€700€700=
Current assets29/58€79k€61k▼
Amounts receivable within one year40/41€18k€18k▼
Trade receivables40€18k€6k▼
Other amounts receivable41€639€12k▲
Cash at bank and in hand54/58€61k€38k▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€81k€70k▼
Equity10/15€60k€19k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€41k-
Amounts payable17/49€22k€51k▲
Amounts payable within one year42/48€22k€51k▲
Trade debts44€2k€499▼
Suppliers440/4€2k€499▼
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€16k€48k▲
Income statement
Code20242025
Turnover70€271k-
Goods, raw materials, services and sundry goods60/61€176k-
Remuneration, social security and pensions62€57k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€582€120▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€95k€16k▼
Operating profit (loss)9901€33k€11k▼
Financial income75/76B€36€68▲
Recurring financial income75€36€68▲
Financial charges65/66B€103€90▼
Recurring financial charges65€103€90▼
Profit (loss) for the period before taxes9903€33k€11k▼
Income taxes67/77€267€5k▲
Profit (loss) for the period9904€33k€5k▼
Profit (loss) for the period to be appropriated9905€33k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€47k▼
Profit (loss) brought forward from the previous period14P€26k€41k▲
Profit to be distributed694/7€18k€47k▲
Return on contributions (dividend)694€18k€47k▲
The notes to these accounts (6 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
04-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-5k ▼618%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €888
Net result €888 after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 5current ratio 10.83
Current ratio from 1.97 to 10.83; short-term debt falls from €49k to €4k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €53k ▲50.6%
Operating result €60k, net result €53k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Ukkel · 1 establishment unit since 2018
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.
Moensberg 301180 UkkelGround area
253 m²
Building footprint
88 m²
Volume, LiDAR
427 m³
Parcel 21614F0181/00V000, Brussels · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHAUFFECO
since 20182.280.243.633
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614F0181/00V000 | Brussels | 253 m² | 1 · 88 m² | 9.1 m · 2 fl. |
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.
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Of 9,531 companies in sector 43222 we hold annual accounts for 5,661. 3,427 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2018
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
42219Civil engineering
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.