ELECTRO CLIMAT
ActiveSummary
ELECTRO CLIMAT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €-8k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 90% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100▲+30
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 5.86 against 1.82 in 2024; short-term debt: 17.1% and cash: 47.9% of total assets), and 17.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.9%
Return on assets
-35.4%
Age of the figures
9 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
27 d early
2023
26 d early
2022
37 d early
2021
36 d early
2020
33 d early
2019
32 d early
← 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
Equity
€20k▼ 29.9%
2024 · €28k
2018: €46k
2019: €46k
2020: €48k
2021: €48k
2022: €48k
2023: €49k
2024: €28k
2018 → 2025
Total assets
€24k▼ 61.9%
2024 · €63k
2018: €99k
2019: €103k
2020: €75k
2021: €88k
2022: €72k
2023: €85k
2024: €63k
2018 → 2025
Net result
€-8k▲ 59.1%
2024 · €-21k
2018: €2k
2019: €621
2020: €2k
2021: €200
2022: €150
2023: €608
2024: €-21k
2018 → 2025
Working capital
€20k▼ 29.9%
2024 · €28k
2018: €47k
2019: €45k
2020: €47k
2021: €47k
2022: €48k
2023: €50k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€48k▲ 0.3%€49k▲ 1.3%€28k▼ 42.2%€20k▼ 29.9%
Operating result€4k-€3k▼ 34.1%€5k▲ 81.8%€-17k€-4k▲ 77.0%
Net result€200-€150▼ 25.0%€608▲ 305%€-21k€-8k▲ 59.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €17k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €24k
Equity
€20k ▼ 29.9%
Debt
€4k ▼ 88.2%
Debt's share of the balance-sheet total falls from 55.0% to 17.1%. Equity and debt are lower.
Key figures and ratios
Current ratio
5.86▲
2024 · 1.82
Quick ratio
4.60▲
2024 · 1.74
Debt to equity
0.21▼
2024 · 1.22
ROE
-42.7%▲
2024 · -73.2%
ROA
-35.4%▼
2024 · -32.9%
Debt ≤ 1 year
€4k▼
2024 · €35k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€63k€24k▼
Current assets29/58€63k€24k▼
Stocks and contracts in progress3€3k€5k▲
Stocks30/36€3k€5k▲
Amounts receivable within one year40/41€59k€7k▼
Trade receivables40€3k€3k▲
Other amounts receivable41€56k€4k▼
Cash at bank and in hand54/58€271€11k▲
Deferred charges and accrued income490/1€925€318▼
Equity and liabilities
Total equity and liabilities10/49€63k€24k▼
Equity10/15€28k€20k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Outside capital11-€19k
Share premium1100/10-€19k
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Legal reserve130€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€8k€-582▼
Amounts payable17/49€35k€4k▼
Amounts payable within one year42/48€35k€4k▼
Financial debts43€24k-
Credit institutions430/8€24k-
Trade debts44€8k€3k▼
Suppliers440/4€8k€3k▼
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€3k€2k▼
Other operating charges640/8€396€600▲
Gross operating margin9900€-17k€-3k▲
Operating profit (loss)9901€-17k€-4k▲
Financial income75/76B€83€87▲
Recurring financial income75€83€87▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€-21k€-8k▲
Income taxes67/77€34-
Profit (loss) for the period9904€-21k€-8k▲
Profit (loss) for the period to be appropriated9905€-21k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-582▼
Profit (loss) brought forward from the previous period14P€29k€8k▼
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 5.86
Current ratio from 1.82 to 5.86; short-term debt falls from €35k to €4k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-21k ▼3513%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €2k ▲174%
Net result €2k, the highest in the series.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Charleroi · 1 establishment unit since 2013
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 du Marabout 916060 CharleroiGround area
3,821 m²
Building footprint
264 m²
Volume, LiDAR
1,204 m³
2 parcels, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Closières 336, 6001 Charleroi
since 20132.217.860.260
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52342B0305/00Z000 | Wallonia | 2,667 m² | 1 · 142 m² | 5.8 m · 1 fl. |
| 52393B0308/00D000indicative | Wallonia | 1,154 m² | 1 · 122 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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
AUTONOMHOUSE
BE 0501.729.827
Elsene · Eq €19,880
N.P. ELECTRICITY
BE 1008.254.820
Wezembeek-Oppem · Eq €19,867
RP GROUP SRL
BE 0777.500.035
Braine-l'Alleud · Eq €19,862
Raphane
BE 1017.733.205
Gent · Eq €19,858
JB Elektro
BE 0767.643.053
Kluisbergen · Eq €19,900
Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 7,189 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 (pre-2019)
Founded24-01-2013
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.