FLUVIOTHERM

Active

Private limited companyfounded 20251 yr activeAlsembergsesteenweg 897, 1180 Ukkel, BelgiumKBO/BCE: BE 1026.808.841

The computed 12-month bankruptcy probability of FLUVIOTHERM is 3.1% (moderate). The 2025 annual accounts show equity of €11k and a net result of €11k. Its solvency ranks better than 24% of 27407 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

48 / 100

Fair

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency31

Growth-

Stability67

Bankruptcy probability, 12 months

3.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.94), and 76.9% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

23.1%

Return on assets

23.1%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 27407 sector peers (2025).

NBB · sector comparison

Position among 27407 sector peers

Solvency

better than 24%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 1 filing

Deviation from the deadline

2025

29 d late

← before the deadline after the 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

Financials · fiscal year 2025, micro schema

Equity

€11k

Total assets

€49k

Net result

€11k

Working capital

€-2k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €49k

28.1%

71.9%

Fixed assets €14k

Current assets €35k

Equity and liabilities €49k

23.1%

76.9%

Equity €11k

Debt €37k

Debt finances 76.9% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€22k

Cash flow

€19k

Solvency

23.1%

Current ratio

0.94

Quick ratio

0.94

Debt / equity

3.33

ROE

100.0%

ROA

23.1%

Interest coverage

1669.92

Debt

€37k

Debt ≤ 1 year

€37k

Income taxes

€3k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€49k

Fixed assets21/28€14k

Tangible fixed assets22/27€14k

Plant, machinery and equipment23€9k

Furniture and vehicles24€5k

Current assets29/58€35k

Amounts receivable within one year40/41€32k

Trade receivables40€32k

Other amounts receivable41€67

Cash at bank and in hand54/58€3k

Equity and liabilities

Total equity and liabilities10/49€49k

Equity10/15€11k

Profit (loss) carried forward14€11k

Amounts payable17/49€37k

Amounts payable within one year42/48€37k

Trade debts44€7k

Suppliers440/4€7k

Taxes, remuneration and social security45€3k

Taxes450/3€3k

Other amounts payable47/48€28k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k

Gross operating margin9900€22k

Operating profit (loss)9901€14k

Financial income75/76B€4

Recurring financial income75€4

Financial charges65/66B€13

Recurring financial charges65€13

Profit (loss) for the period before taxes9903€14k

Income taxes67/77€3k

Profit (loss) for the period9904€11k

Profit (loss) for the period to be appropriated9905€11k

Appropriation of the result

Profit (loss) to be appropriated9906€11k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

29-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 29 days late

NBB filing

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, Ukkel · 1 establishment unit since 2025

establishment The establishment unit on the map

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.

Alsembergsesteenweg 8971180 Ukkel

Ground area

347 m²

Building footprint

329 m²

Volume, LiDAR

3,129 m³

Parcel 21616A0121/00Y002, Brussels · tallest building 17.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

FLUVIOTHERM

Alsembergsesteenweg 897, 1180 UkkelCivil engineering

since 20252.377.751.496

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21616A0121/00Y002	Brussels	347 m²	1 · 329 m²	17.1 m · 2 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.

Similar companies · same sector, comparable size

ETABLISSEMENTS LAUVAUX

Geraardsbergen · Eq €11k

Of 9,478 companies in sector 43222 we hold annual accounts for 5,625. 2,677 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-08-2025

Fiscal year end31-12

Activities, NACEBEL

43222Installation of electric heating, air conditioning, cooling and ventilation

43211General electrical installation work

43221Plumbing work

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.