ETS CLAUDY FORTEMPS
ActiveETS CLAUDY FORTEMPS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €783k and a net result of €7k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 7778 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-23
Solvency100▲+12
Growth68▼-17
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 5.2 against 3.44 in 2024; short-term debt: 17% and cash: 32.7% of total assets), and 25% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
75%
Return on assets
0.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-08-2026, 8 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
8 d late
2024
27 d late
2023
48 d late
2022
29 d late
2021
2 d late
2020
30 d late
2019
138 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.44M▲ 18.0%
2022 · €1.22M
2018: €558k
2019: €749k
2020: €464k
2021: €763k
2022: €1.22M
2018 → 2023
EBIT margin
23.2%▲ 20.2pp
2022 · 3.0%
2018: 2.0%
2019: 3.3%
2020: -5.3%
2021: 5.2%
2022: 3.0%
2018 → 2023
Net result
€7k▼ 95.5%
2024 · €150k
2018: €9k
2019: €31k
2020: €-27k
2021: €39k
2022: €31k
2023: €241k
2024: €150k
2018 → 2025
Working capital
€746k▼ 4.8%
2024 · €784k
2018: €290k
2019: €319k
2020: €321k
2021: €354k
2022: €320k
2023: €593k
2024: €784k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€763k-€1.22M▲ 60.3%€1.44M▲ 18.0%
Equity€356k-€386k▲ 8.5%€627k▲ 62.2%€776k▲ 23.9%€783k▲ 0.8%
Operating result€40k-€37k▼ 6.8%€334k▲ 807%€206k▼ 38.3%€15k▼ 92.6%
Net result€39k-€31k▼ 20.6%€241k▲ 683%€150k▼ 37.7%€7k▼ 95.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€119k▼ 1.9%
Current assets
€924k▼ 16.4%
Equity and liabilities €1.04M
Equity
€783k▲ 0.8%
Provisions
€1k▼ 12.5%
Debt
€260k▼ 42.2%
The debt ratio falls from 36.6% to 24.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▼
2024 · €228k
Cash flow
€36k▼
2024 · €172k
Solvency
75.0%▲
2024 · 63.3%
Current ratio
5.20▲
2024 · 3.44
Quick ratio
4.15▲
2024 · 2.86
Debt / equity
0.33▼
2024 · 0.58
ROE
0.9%▼
2024 · 19.3%
ROA
0.6%▼
2024 · 12.2%
Interest coverage
5.02▼
2024 · 49.22
Debt
€260k▼
2024 · €449k
Debt ≤ 1 year
€178k▼
2024 · €321k
Debt > 1 year
€82k▼
2024 · €128k
Income taxes
€4k▼
2024 · €54k
Staff costs
€73k▲
2024 · €21k
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€1.23M€1.04M▼
Fixed assets21/28€122k€119k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€118k€117k▼
Land and buildings22€37k€31k▼
Plant, machinery and equipment23€46k€41k▼
Furniture and vehicles24€35k€45k▲
Current assets29/58€1.11M€924k▼
Stocks and contracts in progress3€188k€186k▼
Stocks30/36€188k€186k▼
Amounts receivable within one year40/41€417k€383k▼
Trade receivables40€328k€325k▼
Other amounts receivable41€89k€58k▼
Cash at bank and in hand54/58€500k€341k▼
Deferred charges and accrued income490/1-€14k
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.04M▼
Equity10/15€776k€783k▲
Contributions10/11€7k€7k=
Reserves13€290k€290k=
Distributable reserves133€290k€290k=
Profit (loss) carried forward14€474k€481k▲
Investment grants15€5k€4k▼
Provisions and deferred taxes16€2k€1k▼
Deferred taxes168€2k€1k▼
Amounts payable17/49€449k€260k▼
Amounts payable after more than one year17€128k€82k▼
Financial debts170/4€67k€82k▲
Other amounts payable178/9€61k-
Amounts payable within one year42/48€321k€178k▼
Current portion of amounts payable after more than one year42€55k€41k▼
Financial debts43€8k€860▼
Credit institutions430/8€8k€860▼
Trade debts44€142k€112k▼
Suppliers440/4€142k€112k▼
Taxes, remuneration and social security45€116k€24k▼
Taxes450/3€103k€24k▼
Remuneration and social security454/9€13k€302▼
Income statement
Code20242025
Remuneration, social security and pensions62€21k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€30k▲
Other operating charges640/8€3k€3k=
Gross operating margin9900€252k€120k▼
Operating profit (loss)9901€206k€15k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€204k€10k▼
Transfer from deferred taxes780€203€811▲
Income taxes67/77€54k€4k▼
Profit (loss) for the period9904€150k€7k▼
Profit (loss) for the period to be appropriated9905€150k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€474k€481k▲
Profit (loss) brought forward from the previous period14P€324k€474k▲
Social balance
Average headcount (FTE)90870.61.3▲
The notes to these accounts (10 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
08-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 8 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
31-12
Financial
Highest result since 2018net €241k ▲683%
Operating result €334k, net result €241k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.73
Current ratio from 1.62 to 3.73; short-term debt falls from €515k to €218k.
31-12
Financial
Equity above €500kEq €627k ▲62.2%
3 profitable years in a row build equity to €627k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-27k ▼186%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 138 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sivry-Rance · 1 establishment unit since 2006
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.
Route de Mons 306470 Sivry-RanceGround area
512 m²
Building footprint
116 m²
Volume, LiDAR
876 m³
Parcel 56070H0478/00W003, Wallonia · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ETS CLAUDY FORTEMPS
since 20062.150.592.344
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56070H0478/00W003indicative | Wallonia | 512 m² | 1 · 116 m² | 9.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
FREDERIC LE FEVRE
BE 0471.546.692
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A - AIRCOOL
BE 0459.520.177
Hasselt · Eq €783k
BaHoTech
BE 0754.593.286
Mol · Eq €784k
STRAUMANN-DHOOP
BE 0444.096.583
Assenede · Eq €784k
JTK
BE 0607.981.746
Diksmuide · Eq €785k
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 3,460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2005
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
45310
47527Retail trade
47552Retail sale of lighting equipment
47592Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.