FIDA HVAC

Active

Private limited companyfounded 20242 yrs activeSpaanse Lindebaan 82, 1850 Grimbergen, BelgiumKBO/BCE: BE 1004.877.141

Summary

The computed 12-month bankruptcy probability of FIDA HVAC is 2.9% (moderate). The 2025 annual accounts show equity of €32,415 and a net result of €12,415. Its solvency ranks better than 92% of 30651 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

FIDA HVACActiveChecked score 53/100

Risk analysis Report Compare

Activity

Plumbing work

NACE 43221

2 sites

Size

€36,384total assets 2025

Staff: 0.7 FTE
Equity: €32,415
Profit: €12,415

Turnover not published (abridged schema)

Financial health

53 Fair Checked score 2025

Bankruptcy chance 12 m: 2.9%

Structure

Accounts filed 31 d late0 of 1 deed read

Why 53- Founded in 2024- Size: total assets €36,384- Latest accounts 31 days late; 1 of the last 3 late+ Equity €32,415 (89.1% of total assets)Show the evidence

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 79% of its sector peers (NACE 43, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100+29

equity 89.1% of total assets

Liquidity 51-17

short-term debt 10.9% · cash 1.6%

Profitability 100=

return on assets 34.1%

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,004 companies)

Last 9 months 02-2026: 1.0%lowest value 03-2026: 1.0%▲ +2.0% vs 02-2026 04-2026: 1.0%▲ +4.8% vs 03-2026 05-2026: 1.1%▲ +6.4% vs 04-2026 06-2026: 1.1%▼ -0.4% vs 05-2026 07-2026: 1.1%▲ +3.9% vs 06-2026 08-2026: 1.9%▲ +62.7% vs 07-2026 09-2026: 2.9%▲ +54.6% vs 08-2026highest value 10-2026: 2.9%▼ -0.3% vs 09-2026

Founded in 2024 raises the probability for this profile
Size: total assets €36,384 raises the probability for this profile
Latest accounts 31 days late; 1 of the last 3 late raises the probability
Equity €32,415 (89.1% of total assets) lowers the probability

Credit up to €1,500 at 30 days acceptable

Liquidity ample (current ratio 6.43 against 2.71 in 2024; short-term debt: 10.9% and cash: 1.6% of total assets), and 10.9% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 90%, liquidity 46%, profitability 93%, growth against the median 86%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

Size: total assets €36,384

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Latest accounts 31 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Equity €32,415 (89.1% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

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 · 2 filings

Deviation from the deadline

2025

31 d late

2024

2 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 15 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

31-08-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Liquidity doublescurrent ratio 6.43
29-07-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Positive: Among the best 8% on solvencysector median 47.2% · 30,651 companies 89.1% View
Total assets 20252 fiscal years filed €36,384 View
Active since 2024founded 18-01-2024 2 years View