Climadesign
ActiveThe computed 12-month bankruptcy probability of Climadesign is 2.1% (moderate). The 2024 annual accounts show equity of €131k and a net result of €14k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 36373 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▼-1
Solvency82▲+17
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 1.65 in 2023; short-term debt: 31.7% and cash: 0% of total assets), and 42.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
34 d early
2022
8 d late
2021
16 d early
2020
15 d early
2019
67 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€131k▲ 11.9%
2023 · €117k
2019: €30k
2020: €66k
2021: €82k
2022: €98k
2023: €117k
2019 → 2024
Total assets
€228k▼ 21.1%
2023 · €289k
2019: €72k
2020: €162k
2021: €181k
2022: €235k
2023: €289k
2019 → 2024
Net result
€14k▼ 27.4%
2023 · €19k
2019: €18k
2020: €36k
2021: €16k
2022: €16k
2023: €19k
2019 → 2024
Working capital
€106k▲ 28.5%
2023 · €82k
2019: €21k
2020: €43k
2021: €57k
2022: €62k
2023: €82k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€66k-€82k▲ 24.3%€98k▲ 19.9%€117k▲ 19.5%€131k▲ 11.9%
Operating result€48k-€24k▼ 50.4%€20k▼ 16.0%€30k▲ 47.2%€25k▼ 15.2%
Net result€36k-€16k▼ 55.3%€16k▲ 2.0%€19k▲ 17.4%€14k▼ 27.4%
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 2024; 2024 is 15% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €228k
Fixed assets
€50k▼ 36.9%
Current assets
€178k▼ 15.2%
Equity and liabilities €228k
Equity
€131k▲ 11.9%
Debt
€97k▼ 43.5%
The debt ratio falls from 59.5% to 42.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▼
2023 · €62k
Cash flow
€39k▼
2023 · €52k
Solvency
57.4%▲
2023 · 40.5%
Current ratio
2.47▲
2023 · 1.65
Quick ratio
1.86▲
2023 · 1.34
Debt / equity
0.74▼
2023 · 1.47
ROE
10.6%▼
2023 · 16.3%
ROA
6.1%▼
2023 · 6.6%
Interest coverage
8.66▼
2023 · 13.67
Debt
€97k▼
2023 · €172k
Debt ≤ 1 year
€72k▼
2023 · €128k
Debt > 1 year
€25k▼
2023 · €44k
Income taxes
€7k▼
2023 · €8k
Staff costs
€28k▲
2023 · €0
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€289k€228k▼
Fixed assets21/28€79k€50k▼
Tangible fixed assets22/27€73k€49k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€6k€5k▼
Leasing and similar rights25€63k€41k▼
Financial fixed assets28€6k€620▼
Current assets29/58€210k€178k▼
Amounts receivable after more than one year29€30k€30k=
Other amounts receivable291€30k€30k=
Stocks and contracts in progress3€40k€44k▲
Stocks30/36€40k€44k▲
Amounts receivable within one year40/41€129k€92k▼
Trade receivables40€105k€72k▼
Other amounts receivable41€24k€19k▼
Cash at bank and in hand54/58€7k€0▼
Deferred charges and accrued income490/1€5k€13k▲
Equity and liabilities
Total equity and liabilities10/49€289k€228k▼
Equity10/15€117k€131k▲
Contributions10/11€12k€12k=
Reserves13€89k€103k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€89k€103k▲
Profit (loss) carried forward14€16k€16k=
Amounts payable17/49€172k€97k▼
Amounts payable after more than one year17€44k€25k▼
Financial debts170/4€44k€25k▼
Amounts payable within one year42/48€128k€72k▼
Current portion of amounts payable after more than one year42€28k€19k▼
Financial debts43-€7k
Credit institutions430/8-€7k
Trade debts44€99k€45k▼
Suppliers440/4€99k€45k▼
Taxes, remuneration and social security45€0€832▲
Taxes450/3€0-
Remuneration and social security454/9€0€832▲
Accrued charges and deferred income492/3€47€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€0€28k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€26k▼
Other operating charges640/8€6k€3k▼
Gross operating margin9900€68k€82k▲
Operating profit (loss)9901€30k€25k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€27k€21k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€19k€14k▼
Profit (loss) for the period to be appropriated9905€19k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€30k▼
Profit (loss) brought forward from the previous period14P€16k€16k=
Transfer to equity691/2€19k€14k▼
To other reserves6921€19k€14k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €14k ▼27.4%
Net result drops to €14k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €117k ▲19.5%
5 profitable years in a row build equity to €117k.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €36k ▲104%
Operating result €48k, net result €36k, both a record.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Beveren-Kruibeke-Zwijndrecht · 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.
Gemenestraat(KIE) 139130 Beveren-Kruibeke-ZwijndrechtGround area
594 m²
Building footprint
32 m²
Volume, LiDAR
179 m³
Parcel 46012D0888/00G000, Flanders · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Climadesign
since 20182.281.807.610
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46012D0888/00G000 | Flanders | 594 m² | 1 · 32 m² | 6.2 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 366 EUR awarded · 366 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 366 EUR |
| 2023 | 1 | 366 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2018
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.