Clima and Solution
ActiveSummary
The computed 12-month bankruptcy probability of Clima and Solution is 1.7% (moderate). The 2026 annual accounts show equity of €9,357 and a net result of €3,282. Its solvency ranks better than 27% of 927 sector peers (NACE 43, financial year 2026). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 23-01-2025 Normal situation
- Activity
- Installation of electric heating, air conditioning, cooling and ventilation NACE 43222and 3 others
- Establishment unit
- 2.369.056.239 1060 Sint-Gillis (bij-Brussel), since 23-01-2025
- Financial year end
- 31 March
- Peppol
- Reachable since 21-01-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.7%
- Gross margin
- €10,842
- ▲ 48.0%
- Turnover
- ≈ €140,000
- estimated
- Profit
- €3,282
- ▼ 35.3%
- Equity
- €9,357
- ▲ 54.0%
- Total assets
- €30,965
- ▼ 50.3%
Score breakdownraises riskFounded in 2025Size: total assets €30,965Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 1.63, cash €3,972Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 32% of them on solvency, 57% on liquidity, 63% on profitability and 84% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Searched, nothing found (2)
Financials
Financials · financial year 2026, micro format
Annual accounts 2026 filed on 30-10-2026 at the NBB all 2 filings
Every figure per financial year
The operating result for 2026 is 31% lower than in 2025.
Investments
| Item | 31-03-2025 | 31-03-2026 |
|---|---|---|
| Tangible fixed assets | €24,141 | - |
| Depreciation and write-downs of the year | €424 | €5,230 |
Source: notes to the 2025 to 2026 annual accounts (statement of fixed assets)
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Turnover70 | €10,300 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €2,976 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €424 | €5,230 | ▲ 12× |
| Other operating charges640/8 | - | €883 | - |
| Gross operating margin9900 | €7,324 | €10,842 | ▲ 48.0% |
| Operating profit (loss)9901 | €6,900 | €4,729 | ▼ 31.5% |
| Financial income75/76B | - | €188 | - |
| Recurring financial income75 | - | €188 | - |
| Financial charges65/66B | €125 | €964 | ▲ 672% |
| Recurring financial charges65 | €125 | €964 | ▲ 672% |
| Profit (loss) for the period before taxes9903 | €6,775 | €3,952 | ▼ 41.7% |
| Income taxes67/77 | €1,700 | €671 | ▼ 60.5% |
| Profit (loss) for the period9904 | €5,075 | €3,282 | ▼ 35.3% |
| Profit (loss) for the period to be appropriated9905 | €5,075 | €3,282 | ▼ 35.3% |
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €62,255 | €30,965 | ▼ 50.3% |
| Formation expenses20 | €1,943 | €1,541 | ▼ 20.7% |
| Fixed assets21/28 | €23,784 | €18,956 | ▼ 20.3% |
| Tangible fixed assets22/27 | €23,784 | €18,956 | ▼ 20.3% |
| Furniture and vehicles24 | €23,784 | €18,956 | ▼ 20.3% |
| Current assets29/58 | €36,528 | €10,469 | ▼ 71.3% |
| Amounts receivable within one year40/41 | €34,064 | €4,968 | ▼ 85.4% |
| Trade receivables40 | €34,064 | €1,297 | ▼ 96.2% |
| Other amounts receivable41 | - | €3,671 | - |
| Cash at bank and in hand54/58 | €2,464 | €3,972 | ▲ 61.2% |
| Deferred charges and accrued income490/1 | - | €1,528 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €62,255 | €30,965 | ▼ 50.3% |
| Equity10/15 | €6,075 | €9,357 | ▲ 54.0% |
| Contributions10/11 | €1,000 | €1,000 | = |
| Reserves13 | €5,075 | €5,075 | = |
| Distributable reserves133 | €5,075 | €5,075 | = |
| Profit (loss) carried forward14 | - | €3,282 | - |
| Amounts payable17/49 | €56,180 | €21,608 | ▼ 61.5% |
| Amounts payable after more than one year17 | €19,718 | €14,313 | ▼ 27.4% |
| Financial debts170/4 | €19,718 | €14,313 | ▼ 27.4% |
| Amounts payable within one year42/48 | €36,461 | €6,405 | ▼ 82.4% |
| Current portion of amounts payable after more than one year42 | €4,422 | €5,389 | ▲ 21.9% |
| Trade debts44 | €28,638 | - | - |
| Suppliers440/4 | €28,638 | - | - |
| Taxes, remuneration and social security45 | €1,700 | €1,016 | ▼ 40.2% |
| Taxes450/3 | €1,700 | €1,016 | ▼ 40.2% |
| Other amounts payable47/48 | €1,702 | - | - |
| Accrued charges and deferred income492/3 | - | €890 | - |
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €5,075 | €3,282 | ▼ 35.3% |
| + Depreciation and write-downs630 | €424 | €5,230 | ▲ 12× |
| Operating cash flow (approximation) | €5,499 | €8,512 | ▲ 54.8% |
| Investment in fixed assets (approximation) | - | -€402 | - |
| Change in cash | - | €1,508 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 11,279 companies had the same profile as Clima and Solution has now. Two years later, 96.6% were still going and 0.7% had gone bankrupt.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
The bankruptcy probability of Clima and Solution itself is higher: 1.7% within 12 months. It rests on far more data about Clima and Solution than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for Clima and Solution. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- BEGADI Hamza 120 shares (100%) · €1,000 in cash
Capital transactions
- 27-01-2025 Incorporation · €1,000 · 120 shares
Articles of association
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 27-01-2025 (in French)
Network & group
Clima and Solution shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of Clima and Solution. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
27-01
Gazette deed
IncorporationStarting capital €1,000 · Appointment: BEGADI Hamza (administrateur non statutaire) · Founder8 points ▸
- Incorporation, 23-01-2025
- Founder, BEGADI Hamza
- Founding capital, €1,000
- Share issue, 120, “apports” (deed in French)
- Other provision, “conformément à la loi, dispositions finales et transitoires – entrée en vigueur” (deed in French)
- Registered office clause, “1060 Saint-Gilles, Avenue Fonsny 116” (deed in French)
- Director appointment, BEGADI Hamza (administrateur non statutaire)
- Pre-incorporation commitments, “takeover, tous engagements ainsi que obligations qui en résultent,et toutes activités entreprises par comparant au nom et pour compte de société en formation” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Clima and Solution was incorporated on 23 January 2025 as a private limited company by one natural person, with a starting capital of €1,000.12 BEGADI Hamza is administrateur non statutaire of the company, appointed in the act of 27-01-2025.2 The company has filed 2 sets of annual accounts, the latest for financial year 2026.3
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1019.129.015
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21562A0440/00V002 | Brussels | 124 m² | 1 · 121 m² | 17.3 m · 4 |