HAELTERMAN C.V.-KLIMA
ActiveSummary
HAELTERMAN C.V.-KLIMA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283k and a net result of €37k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 92% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+51
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 7.07 against 8.33 in 2024; short-term debt: 12.1% and cash: 14.2% of total assets), and 13.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
86.4%
Return on assets
11.2%
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 24-08-2026, 24 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
24 d late
2024
13 d late
2023
29 d late
2022
23 d late
2021
12 d late
2020
18 d late
2019
88 d late
← 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
€283k▲ 14.9%
2024 · €246k
2018: €319k
2019: €323k
2020: €314k
2021: €330k
2022: €338k
2023: €259k
2024: €246k
2018 → 2025
Total assets
€327k▲ 21.1%
2024 · €270k
2018: €459k
2019: €430k
2020: €341k
2021: €366k
2022: €368k
2023: €320k
2024: €270k
2018 → 2025
Net result
€37k
2024 · €-13k
2018: €1k
2019: €4k
2020: €-9k
2021: €16k
2022: €8k
2023: €-79k
2024: €-13k
2018 → 2025
Working capital
€241k▲ 35.8%
2024 · €177k
2018: €297k
2019: €253k
2020: €225k
2021: €223k
2022: €252k
2023: €194k
2024: €177k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€330k-€338k▲ 2.4%€259k▼ 23.3%€246k▼ 5.0%€283k▲ 14.9%
Operating result€25k-€9k▼ 62.9%€-59k€-23k▲ 60.4%€33k
Net result€16k-€8k▼ 51.4%€-79k€-13k▲ 83.6%€37k
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 returns to profit in 2025: €33k after a loss of €23k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€47k ▼ 31.7%
Current assets
€280k ▲ 39.1%
Equity and liabilities €327k
Equity
€283k ▲ 14.9%
Debt
€45k ▲ 84.6%
Debt's share of the balance-sheet total rises from 8.9% to 13.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€55k▲
2024 · €3k
Cash flow
€59k▲
2024 · €14k
Current ratio
7.07▼
2024 · 8.33
Debt to equity
0.16▲
2024 · 0.10
ROE
12.9%▲
2024 · -5.3%
ROA
11.2%▲
2024 · -4.8%
Interest coverage
102.41▲
2024 · 2.36
Debt ≤ 1 year
€40k▲
2024 · €24k
Income taxes
€-4k▲
2024 · €-12k
Staff costs
€189k▲
2024 · €156k
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€270k€327k▲
Fixed assets21/28€69k€47k▼
Tangible fixed assets22/27€69k€47k▼
Land and buildings22€36k€29k▼
Plant, machinery and equipment23-€420
Furniture and vehicles24€33k€18k▼
Current assets29/58€201k€280k▲
Amounts receivable within one year40/41€191k€234k▲
Trade receivables40€180k€226k▲
Other amounts receivable41€11k€7k▼
Cash at bank and in hand54/58€11k€46k▲
Equity and liabilities
Total equity and liabilities10/49€270k€327k▲
Equity10/15€246k€283k▲
Contributions10/11€5k€5k=
Capital10€5k€5k=
Issued capital100€5k€5k=
Reserves13€121k€121k=
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Distributable reserves133€109k€109k=
Profit (loss) carried forward14€120k€156k▲
Amounts payable17/49€24k€45k▲
Amounts payable within one year42/48€24k€40k▲
Trade debts44€13k€26k▲
Suppliers440/4€13k€26k▲
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€7k€7k=
Remuneration and social security454/9-€2k
Other amounts payable47/48€4k€5k▲
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Remuneration, social security and pensions62€156k€189k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€22k▼
Other operating charges640/8€7k€6k▼
Gross operating margin9900€166k€250k▲
Operating profit (loss)9901€-23k€33k▲
Financial charges65/66B€1k€540▼
Recurring financial charges65€1k€540▼
Profit (loss) for the period before taxes9903€-25k€32k▲
Income taxes67/77€-12k€-4k▲
Profit (loss) for the period9904€-13k€37k▲
Profit (loss) for the period to be appropriated9905€-13k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€120k€156k▲
Profit (loss) brought forward from the previous period14P€133k€120k▼
The notes to these accounts (4 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Back to profitnet €37k
Net result €37k after 2 loss-making years.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-79k ▼1114%
Net result drops to €-79k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 9.26
Current ratio from 3.84 to 9.26; short-term debt falls from €89k to €27k.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ninove · 1 establishment unit since 1999
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.
Geraardsbergsesteenweg 3079404 NinoveGround area
685 m²
Building footprint
80 m²
Volume, LiDAR
611 m³
Parcel 41004B0517/00H000, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Geraardsbergsesteenweg 307, 9404 Ninove
since 19992.099.218.273
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41004B0517/00H000 | Flanders | 685 m² | 1 · 80 m² | 10.1 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 267 EUR awarded · 267 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 50 EUR | 50 EUR |
| 2023 | 1 | 172 EUR | 217 EUR |
| 2022 | 1 | 45 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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Ets Parmentier
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DH TECH
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Sombreffe · Eq €283,086
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,603 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
Founded23-11-1999
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.