Age2 yrs
Real estate1 parcel · 589 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of HVAC.BE is 5.3% (elevated). The 2023 annual accounts show equity of €68k and a net result of €65k. Its solvency ranks better than 56% of 110 sector peers (fiscal year 2023). The company has been active since 2023 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone5.3%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Recent warning signals
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 events27-10-2025
KBO administration
Address struck
Trust signals
2 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administrative Flags
1 eventAddress struck
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€65k
Working capital€68k
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 28-08-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 28 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 45.7% | 38.4% | |
| Net result | €65k | €20k | |
| Equity | €68k | €49k | |
| Gross operating margin | €81k | €36k | |
| Total assets | €148k | €130k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2023 |
|---|---|
| Revenue | - |
| EBITDA | - |
| Net profit | €65k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €16k |
| Dividends | - |
| Total assets | €148k |
| Equity | €68k |
| Debt | €80k |
| of which ≤ 1y | €80k |
| of which > 1y | - |
| Working capital | €68k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.84 |
| Quick ratio | 1.84 |
| Working capital ratio | 45.7% |
| Solvency | 45.7% |
| Debt / equity | 1.19 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 43.7% |
| ROE | 95.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €148k |
| Current assets | 29/58 | €148k |
| Amounts receivable within one year | 40/41 | €143k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €148k |
| Equity | 10/15 | €68k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €65k |
| Amounts payable | 17/49 | €80k |
| Amounts payable within one year | 42/48 | €80k |
| Trade debts payable within one year | 44 | €56k |
| Income statement | ||
| Gross operating margin | 9900 | €81k |
| Operating result | 9901 | €81k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €236 |
| Result before taxes | 9903 | €81k |
| Income taxes | 67/77 | €16k |
| Net result for the period | 9904 | €65k |
| Result to be appropriated | 9905 | €65k |
Ratios computed by Checked.
Health barometer
FY 2023 · computed78
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationHVAC.BE
since 20232.351.891.890
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area589 m²
Buildings1
Building footprint77 m²
Volume (LiDAR)371 m³
Tallest building6.0 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55039E0467/00T000 | Wallonia | 589 m² | 1 · 77 m² | 6.0 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette27-10-2025
KBO administration
Address struck
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Analysis
Snowflake analysis
financial profile on 5 axes75
/ 100
Exceptional profile, strong across almost every axis.
Health
78
Profitability
100
Solvency
87
Growth
50
Stability
59
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Vervaardiging van machines en apparaten voor de koeltechniek en de klimaatregeling, voor niet-huishoudelijk gebruik28250Vervaardiging van machines en apparaten voor klimaatregeling, voor niet-huishoudelijk gebruik28250Niet-gespecialiseerde groothandel46900Niet-gespecialiseerde groothandel46900Overige detailhandel in nieuwe artikelen in gespecialiseerde winkels, n.e.g.47789Overige detailhandel in nieuwe artikelen neg47789Opslag in koelpakhuizen en overige opslag52100Opslag52100Reparatie van consumentenelektronica95210Reparatie en onderhoud van consumentenelektronica95210
Primary activity highlighted.
Names & trade names
| Legal nameFR | HVAC.BE |
Registration history
- 27-10-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.