CREFFIER BATIMENT
ActiveSummary
CREFFIER BATIMENT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €537k and a net result of €9k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-19
Solvency75=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.35 in 2024; short-term debt: 33.8% and cash: 4.3% of total assets), and 50.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
49.9%
Return on assets
0.9%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
23 d early
2023
19 d early
2022
31 d late
2021
33 d early
2020
3 d early
2019
on the day
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.14M
EBIT margin
-3.0%
Net result
€9k▼ 94.6%
2024 · €173k
2018: €-48k
2019: €-78k
2020: €84k
2021: €33k
2022: €-1k
2023: €142k
2024: €173k
2018 → 2025
Working capital
€88k▼ 15.7%
2024 · €105k
2018: €259k
2019: €35k
2020: €107k
2021: €209k
2022: €-184k
2023: €-64k
2024: €105k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€336k-€219k▼ 34.9%€359k▲ 64.1%€529k▲ 47.4%€537k▲ 1.4%
Operating result€55k-€12k▼ 78.6%€230k▲ 1,862%€57k▼ 75.4%€23k▼ 59.2%
Net result€33k-€-1k€142k€173k▲ 21.3%€9k▼ 94.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 59% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€608k ▼ 5.4%
Current assets
€451k ▲ 11.6%
Equity and liabilities €1.07M
Equity
€537k ▲ 1.4%
Debt
€538k ▲ 0.5%
Debt's share of the balance-sheet total falls from 50.3% to 50.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€98k▼
2024 · €143k
Cash flow
€84k▼
2024 · €260k
Current ratio
1.24▼
2024 · 1.35
Quick ratio
1.14▼
2024 · 1.35
Debt to equity
1.00▼
2024 · 1.01
ROE
1.7%▼
2024 · 32.6%
ROA
0.9%▼
2024 · 16.2%
Interest coverage
6.23▼
2024 · 7.13
Debt ≤ 1 year
€363k▲
2024 · €299k
Debt > 1 year
€163k▼
2024 · €221k
Income taxes
€3k▼
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.06M€1.07M▲
Formation expenses20€17k€15k▼
Fixed assets21/28€643k€608k▼
Tangible fixed assets22/27€413k€378k▼
Land and buildings22€384k€330k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€26k€49k▲
Leasing and similar rights25€3k€0▼
Financial fixed assets28€230k€230k=
Current assets29/58€404k€451k▲
Stocks and contracts in progress3€0€38k▲
Stocks30/36€0€38k▲
Amounts receivable within one year40/41€298k€365k▲
Trade receivables40€161k€215k▲
Other amounts receivable41€137k€150k▲
Current investments50/53€168€0▼
Cash at bank and in hand54/58€97k€46k▼
Deferred charges and accrued income490/1€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.07M▲
Equity10/15€529k€537k▲
Contributions10/11€55k€55k=
Reserves13€464k€473k▲
Tax-exempt reserves132€49k€49k=
Distributable reserves133€415k€424k▲
Investment grants15€10k€9k▼
Amounts payable17/49€535k€538k▲
Amounts payable after more than one year17€221k€163k▼
Financial debts170/4€221k€163k▼
Amounts payable within one year42/48€299k€363k▲
Current portion of amounts payable after more than one year42€97k€101k▲
Financial debts43€18k€0▼
Credit institutions430/8€18k€0▼
Trade debts44€21k€132k▲
Suppliers440/4€21k€132k▲
Taxes, remuneration and social security45€65k€37k▼
Taxes450/3€65k€37k▼
Remuneration and social security454/9€0€0=
Other amounts payable47/48€98k€93k▼
Accrued charges and deferred income492/3€15k€12k▼
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€75k▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€151k€105k▼
Operating profit (loss)9901€57k€23k▼
Financial income75/76B€164k€5k▼
Recurring financial income75€164k€5k▼
Financial charges65/66B€20k€16k▼
Recurring financial charges65€20k€16k▼
Profit (loss) for the period before taxes9903€200k€13k▼
Income taxes67/77€27k€3k▼
Profit (loss) for the period9904€173k€9k▼
Profit (loss) for the period to be appropriated9905€173k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€173k€9k▼
Transfer to equity691/2€173k€9k▼
To other reserves6921€173k€9k▼
The notes to these accounts (19 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €173k ▲21.3%
Net result €173k, the highest in the series.
31-12
Financial
Equity above €500kEq €529k ▲47.4%
2 profitable years in a row build equity to €529k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €142k
Net result €142k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Back to profitnet €84k
Net result €84k after 2 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Weakest financial yearnet €-78k
Net result drops to €-78k, the lowest in the series; recovery starts the following year.
Show earlier events
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-04
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
6 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, Beyne-Heusay · 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.
Rue de Magnée 1174610 Beyne-HeusayGround area
2,322 m²
Parcel 62015B0307/00E002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Magnée 117, 4610 Beyne-Heusay
since 20182.280.341.425
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62015B0307/00E002 | Wallonia | 2,322 m² | - | - |
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.
Similar companies · same sector, comparable size
Germagas
BE 0407.098.904
Wevelgem · Eq €536,338
HESA
BE 0864.101.140
Lebbeke · Eq €536,224
ACKE DIETER & RUDDY
BE 0428.960.328
Wevelgem · Eq €536,023
ETABLISSEMENTS LEON STIERS
BE 0434.197.239
Nivelles · Eq €538,443
RACCORD LWW
BE 0648.607.920
Deerlijk · Eq €535,056
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 3,918 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2002
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
43221Plumbing work
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesWebsite:www.creffier-chauffage.be
E-mail:creffier.batiment@skynet.be
Phone:+3243550016
Fax:+3243550484
Phone:04 355 00 16