KLIMA HOME
ActiveThe computed 12-month bankruptcy probability of KLIMA HOME is 2.0% (moderate). The 2025 annual accounts show equity of €39k and a net result of €20k. Equity is growing by ~28.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 7760 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+29
Solvency89▲+21
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.52 against 1.79 in 2024; short-term debt: 32.7% and cash: 5.2% of total assets), and 35.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
64.2%
Return on assets
32.4%
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 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
28 d late
2022
211 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€39k▲ 76.0%
2024 · €22k
2022: €17k
2023: €21k
2024: €22k
2022 → 2025
Total assets
€61k▲ 17.2%
2024 · €52k
2022: €46k
2023: €59k
2024: €52k
2022 → 2025
Net result
€20k▲ 2,055%
2024 · €912
2022: €13k
2023: €5k
2024: €912
2022 → 2025
Working capital
€30k▲ 68.3%
2024 · €18k
2022: €8k
2023: €15k
2024: €18k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€21k▲ 25.0%€22k▲ 4.3%€39k▲ 76.0%
Operating result€20k-€8k▼ 57.3%€2k▼ 73.6%€25k▲ 1,027%
Net result€13k-€5k▼ 60.6%€912▼ 81.9%€20k▲ 2,055%
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 recovers in 2025; 2025 is 1,027% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€11k▼ 3.9%
Current assets
€50k▲ 22.9%
Equity and liabilities €61k
Equity
€39k▲ 76.0%
Debt
€22k▼ 26.8%
The debt ratio falls from 57.2% to 35.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €12k
Cash flow
€22k▲
2024 · €10k
Solvency
64.2%▲
2024 · 42.8%
Current ratio
2.52▲
2024 · 1.79
Quick ratio
2.52▲
2024 · 1.73
Debt / equity
0.56▼
2024 · 1.34
ROE
50.4%▲
2024 · 4.1%
ROA
32.4%▲
2024 · 1.8%
Interest coverage
26.85▲
2024 · 8.45
Debt
€22k▼
2024 · €30k
Debt ≤ 1 year
€20k▼
2024 · €23k
Debt > 1 year
€2k▼
2024 · €7k
Income taxes
€6k▲
2024 · €988
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€52k€61k▲
Fixed assets21/28€11k€11k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€7k€7k▲
Land and buildings22€7k€6k▼
Furniture and vehicles24-€1k
Current assets29/58€41k€50k▲
Stocks and contracts in progress3€1k-
Stocks30/36€1k-
Amounts receivable within one year40/41€24k€43k▲
Trade receivables40€4k€12k▲
Other amounts receivable41€20k€31k▲
Cash at bank and in hand54/58€12k€3k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€52k€61k▲
Equity10/15€22k€39k▲
Contributions10/11€5k€5k=
Outside capital11€5k€5k=
Other1109/19€5k€5k=
Profit (loss) carried forward14€17k€34k▲
Amounts payable17/49€30k€22k▼
Amounts payable after more than one year17€7k€2k▼
Financial debts170/4€7k€2k▼
Amounts payable within one year42/48€23k€20k▼
Current portion of amounts payable after more than one year42€6k€5k▼
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€1k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€2k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€13k€29k▲
Operating profit (loss)9901€2k€25k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€2k€26k▲
Income taxes67/77€988€6k▲
Profit (loss) for the period9904€912€20k▲
Profit (loss) for the period to be appropriated9905€912€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€37k▲
Profit (loss) brought forward from the previous period14P€16k€17k▲
Profit to be distributed694/7-€3k
Return on contributions (dividend)694-€800
Directors or managers695-€2k
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €20k ▲2055%
Operating result €25k, net result €20k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €912 ▼81.9%
Net result drops to €912, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 211 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Berlaar · 1 establishment unit since 2021
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.
Smidstraat 2722590 BerlaarGround area
1,415 m²
Building footprint
161 m²
Volume, LiDAR
592 m³
Parcel 12002D0511/00L000, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KLIMA HOME
since 20212.319.116.184
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002D0511/00L000 | Flanders | 1,415 m² | 1 · 161 m² | 7.6 m · 1 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
Ibcho Installaties
BE 1020.083.672
Gent · Eq €39k
GEOFFROY NICOLAS
BE 0750.667.261
Ardooie · Eq €39k
SVH Install
BE 0552.671.653
Kapellen · Eq €39k
DEJONGHE
BE 0832.333.838
Harelbeke · Eq €39k
IMMOBILIERE FRENNET
BE 0456.833.871
Braine-l'Alleud · Eq €39k
Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,286 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2021
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.