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J.C. CHAUFFAGE

Active
Private limited companyfounded 198937 yrs activeRue Mésanges Bleues 3, 1420 Braine-l'Alleud, BelgiumKBO/BCE: BE 0436.831.778
Summary

J.C. CHAUFFAGE has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151,416 and a net result of €25,728. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 77% of 32341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
J.C. CHAUFFAGEActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
Installation of electric heating, air conditioning, cooling and ventilation
NACE 43222NACE 45331
1 site
Size
€210,713total assets 2025
Equity
€151,416
Profit
€25,728
Turnover not published (abridged schema)
Financial health
92 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 31 d late0 of 4 deeds read
Why 92- Latest accounts 31 days late; 2 of the last 3 late- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 3.86, cash €86,588+ Founded in 1989Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Better than 59% 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 97+8
equity 71.9% of total assets
Liquidity 90+6
short-term debt 25.7% · cash 41.1%
Profitability 68+51
return on assets 12.2%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,046 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -2.1% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%▼ -1.1% vs 02-2025 04-2025: 0.2%▼ -0.5% vs 03-2025 05-2025: 0.2%▼ -1.6% vs 04-2025 06-2025: 0.2%▼ -4.3% vs 05-2025 07-2025: 0.2%▲ +3.4% vs 06-2025 08-2025: 0.2%▲ +8.2% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -0.5% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%▼ -1.5% vs 02-2026 04-2026: 0.2%▼ -3.1% vs 03-2026 05-2026: 0.2%▼ -7.5% vs 04-2026 06-2026: 0.2%▼ -3.5% vs 05-2026 07-2026: 0.2%▲ +9.6% vs 06-2026 08-2026: 0.3%▲ +63.4% vs 07-2026highest value 09-2026: 0.1%▼ -53.2% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 3.86, cash €86,588 lowers the probability
  • Latest accounts 31 days late; 2 of the last 3 late raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Founded in 1989 lowers the probability for this profile
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 3.86 against 2.65 in 2024; short-term debt: 25.7% and cash: 41.1% of total assets), and 28.1% 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 78%, liquidity 87%, profitability 34%, growth against the median 36%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 3.86, cash €86,588
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Latest accounts 31 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 1989
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · 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 · 10 filings
Deviation from the deadline
2025
31 d late
2024
13 d early
2023
31 d late
2022
31 d late
2021
78 d late
2020
39 d late
2019
110 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 44 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)
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. Usually files around 31 August (4 of the last 5 filed years within 44 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €25,728
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Active since 1989founded 21-02-1989 37 years View
  • Total assets 20256 fiscal years filed €210,713 View

By topic

Financials

Fiscal year
2025
Total assets
€210,713
Profit
€25,728
Solvency
71.9%
Total assets▼ 11.1%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 18-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Installation of electric heating, air conditioning, cooling and…NACE 43222
Founded
21-02-1989
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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