CONVIVIAL DUO
ActiveCONVIVIAL DUO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €23k. Equity is shrinking by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 48% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+16
Solvency70▼-12
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.21 in 2024; short-term debt: 28.3% and cash: 6.6% of total assets), but 54.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
45.2%
Return on assets
21.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €48k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
27 d late
2022
31 d late
2021
30 d late
2020
2 d early
2019
35 d late
← 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
Equity
€48k▲ 94.3%
2024 · €25k
2019: €38k
2020: €56k
2021: €31k
2022: €13k
2023: €21k
2024: €25k
2019 → 2025
Total assets
€107k▲ 144%
2024 · €44k
2019: €101k
2020: €112k
2021: €62k
2022: €77k
2023: €58k
2024: €44k
2019 → 2025
Net result
€23k▲ 507%
2024 · €4k
2019: €49k
2020: €19k
2021: €-14k
2022: €-18k
2023: €8k
2024: €4k
2019 → 2025
Working capital
€24k▲ 495%
2024 · €4k
2019: €44k
2020: €49k
2021: €22k
2022: €5k
2023: €11k
2024: €4k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€13k▼ 58.4%€21k▲ 65.3%€25k▲ 18.4%€48k▲ 94.3%
Operating result€-14k-€-17k▼ 22.4%€8k€4k▼ 51.2%€27k▲ 584%
Net result€-14k-€-18k▼ 28.1%€8k€4k▼ 53.5%€23k▲ 507%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 584% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€52k▲ 152%
Current assets
€55k▲ 136%
Equity and liabilities €107k
Equity
€48k▲ 94.3%
Debt
€59k▲ 208%
The debt ratio rises from 43.4% to 54.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▲
2024 · €8k
Cash flow
€30k▲
2024 · €8k
Solvency
45.2%▼
2024 · 56.6%
Current ratio
1.80▲
2024 · 1.21
Quick ratio
1.67▲
2024 · 0.80
Debt / equity
1.21▲
2024 · 0.77
ROE
48.5%▲
2024 · 15.5%
ROA
21.9%▲
2024 · 8.8%
Interest coverage
48.55▲
2024 · 31.23
Debt
€59k▲
2024 · €19k
Debt ≤ 1 year
€30k▲
2024 · €19k
Debt > 1 year
€28k
Income taxes
€3k
Staff costs
€15k▲
2024 · €6k
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€44k€107k▲
Fixed assets21/28€21k€52k▲
Intangible fixed assets21€476€0▼
Tangible fixed assets22/27€15k€47k▲
Land and buildings22€9k€7k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€640€38k▲
Financial fixed assets28€5k€5k=
Current assets29/58€23k€55k▲
Stocks and contracts in progress3€8k€4k▼
Stocks30/36€8k€4k▼
Amounts receivable within one year40/41€11k€44k▲
Trade receivables40€8k€23k▲
Other amounts receivable41€2k€21k▲
Cash at bank and in hand54/58€3k€7k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€44k€107k▲
Equity10/15€25k€48k▲
Contributions10/11€19k€19k=
Reserves13€21k€21k=
Distributable reserves133€21k€21k=
Profit (loss) carried forward14€-15k€9k▲
Amounts payable17/49€19k€59k▲
Amounts payable after more than one year17-€28k
Financial debts170/4-€28k
Amounts payable within one year42/48€19k€30k▲
Current portion of amounts payable after more than one year42-€7k
Financial debts43-€236
Credit institutions430/8-€236
Trade debts44€13k€11k▼
Suppliers440/4€13k€11k▼
Taxes, remuneration and social security45€2k€13k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9-€8k
Other amounts payable47/48€4k-
Income statement
Code20242025
Remuneration, social security and pensions62€6k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€-25k▼
Other operating charges640/8€826€4k▲
Gross operating margin9900€18k€29k▲
Operating profit (loss)9901€4k€27k▲
Financial income75/76B€113€35▼
Recurring financial income75€113€35▼
Financial charges65/66B€266€706▲
Recurring financial charges65€266€706▲
Profit (loss) for the period before taxes9903€4k€27k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€4k€23k▲
Profit (loss) for the period to be appropriated9905€4k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€9k▲
Profit (loss) brought forward from the previous period14P€-18k€-15k▲
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Verviers · 1 establishment unit since 2004
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 Fyon 104800 VerviersGround area
753 m²
Building footprint
132 m²
Volume, LiDAR
1,305 m³
Parcel 63079A0974/00E002, Wallonia · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CONVIVIAL DUO - MONTE ET CHAUFFE
since 20042.144.135.114
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079A0974/00E002 | Wallonia | 753 m² | 1 · 131 m² | 13.5 m · 3 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.
Recognitions · licences · registrations
Recognised contractor
5 categoriesCONVIVIAL DUO SRL32818
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Of 9,531 companies in sector 43222 we hold annual accounts for 5,661. 4,529 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2004
Fiscal year end31-12
Trade name FR
Monte & Chauffe
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43410Roofing work
45220
25110Manufacture of metal structures and parts of structures
25120Manufacture of fabricated metal products, except machinery and equipment
28110
28120
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.