JOBE CHAUFFAGE
ActiveJOBE CHAUFFAGE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €862k and a net result of €126k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 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
Profitability86▼-7
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 13.54 against 56.96 in 2024; short-term debt: 6.6% and cash: 86.5% of total assets), and 6.6% of the assets are financed with debt.
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
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 · 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
93.4%
Return on assets
13.7%
Age of the figures
15 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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
27 d late
2024
27 d late
2023
28 d late
2022
26 d late
2021
28 d late
2020
28 d late
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€862k▲ 11.4%
2024 · €774k
2019: €447k
2020: €536k
2021: €680k
2022: €687k
2023: €643k
2024: €774k
2019 → 2025
Total assets
€923k▲ 17.5%
2024 · €785k
2019: €558k
2020: €583k
2021: €755k
2022: €787k
2023: €724k
2024: €785k
2019 → 2025
Net result
€126k▼ 17.5%
2024 · €153k
2019: €131k
2020: €124k
2021: €199k
2022: €245k
2023: €151k
2024: €153k
2019 → 2025
Working capital
€759k▲ 15.6%
2024 · €657k
2019: €327k
2020: €420k
2021: €523k
2022: €519k
2023: €500k
2024: €657k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€680k-€687k▲ 1.1%€643k▼ 6.5%€774k▲ 20.3%€862k▲ 11.4%
Operating result€251k-€301k▲ 19.7%€173k▼ 42.4%€196k▲ 13.0%€149k▼ 23.9%
Net result€199k-€245k▲ 23.4%€151k▼ 38.6%€153k▲ 1.7%€126k▼ 17.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €923k
Fixed assets
€103k▼ 12.1%
Current assets
€820k▲ 22.6%
Equity and liabilities €923k
Equity
€862k▲ 11.4%
Debt
€61k▲ 416%
The debt ratio rises from 1.5% to 6.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€168k▼
2024 · €222k
Cash flow
€146k▼
2024 · €179k
Solvency
93.4%▼
2024 · 98.5%
Current ratio
13.54▼
2024 · 56.96
Quick ratio
13.54▼
2024 · 56.96
Debt / equity
0.07▲
2024 · 0.02
ROE
14.7%▼
2024 · 19.8%
ROA
13.7%▼
2024 · 19.5%
Interest coverage
722.11▼
2024 · 766.89
Debt
€61k▲
2024 · €12k
Debt ≤ 1 year
€61k▲
2024 · €12k
Income taxes
€30k▼
2024 · €53k
Staff costs
€110k▲
2024 · €100k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€785k€923k▲
Fixed assets21/28€117k€103k▼
Tangible fixed assets22/27€117k€103k▼
Land and buildings22€94k€91k▼
Furniture and vehicles24€23k€12k▼
Current assets29/58€669k€820k▲
Amounts receivable within one year40/41€80€19k▲
Trade receivables40-€19k
Other amounts receivable41€80-
Cash at bank and in hand54/58€666k€798k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€785k€923k▲
Equity10/15€774k€862k▲
Contributions10/11€1€1=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€772k€860k▲
Amounts payable17/49€12k€61k▲
Amounts payable within one year42/48€12k€61k▲
Trade debts44€1k€10k▲
Suppliers440/4€1k€10k▲
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€6k€50k▲
Taxes450/3€3k€43k▲
Remuneration and social security454/9€3k€7k▲
Other amounts payable47/48€10€324▲
Income statement
Code20242025
Remuneration, social security and pensions62€100k€110k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€19k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€325k€282k▼
Operating profit (loss)9901€196k€149k▼
Financial income75/76B€11k€8k▼
Recurring financial income75€11k€8k▼
Financial charges65/66B€289€233▼
Recurring financial charges65€289€233▼
Profit (loss) for the period before taxes9903€206k€157k▼
Income taxes67/77€53k€30k▼
Profit (loss) for the period9904€153k€126k▼
Profit (loss) for the period to be appropriated9905€153k€126k▼
Appropriation of the result
Profit (loss) to be appropriated9906€782k€898k▲
Profit (loss) brought forward from the previous period14P€629k€772k▲
Profit to be distributed694/7€10k€38k▲
Return on contributions (dividend)694€10k€38k▲
The notes to these accounts (7 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-06
Financial
Liquidity times 8current ratio 56.96
Current ratio from 7.18 to 56.96; short-term debt falls from €81k to €12k.
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
26-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
30-06
Financial
Highest result since 2019net €245k ▲23.4%
Operating result €301k, net result €245k, both a record.
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
28-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
30-06
Financial
Weakest financial yearnet €124k ▼5.1%
Net result drops to €124k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 10.61
Current ratio from 4.35 to 10.61; short-term debt falls from €97k to €44k.
30-06
Financial
Equity above €500kEq €536k ▲19.9%
2 profitable years in a row build equity to €536k.
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
25-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 25 days late
2018
26-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 26 days late
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 2008
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.
Rue Belleflamme 2944030 LiègeGround area
282 m²
Building footprint
96 m²
Volume, LiDAR
682 m³
Parcel 62302C0009/00S007, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOBE CHAUFFAGE
since 20082.171.303.923
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62302C0009/00S007 | Wallonia | 282 m² | 1 · 96 m² | 8.8 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
MAISON HENNETON LEON
BE 0423.847.735
Brunehaut · Eq €861k
MORLITERM
BE 0885.889.320
Veurne · Eq €864k
JS HEATING
BE 0679.841.326
Beringen · Eq €865k
DESTACX
BE 0426.554.629
Ingelmunster · Eq €865k
INSTALLATIEBEDRIJF SCHROOTEN
BE 0875.286.230
Maaseik · Eq €859k
Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 3,323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2008
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.