KLIMAPHIL
ActiveSummary
KLIMAPHIL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,305 and a net result of €8,877. Equity is shrinking by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+2
Solvency54▼-4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.43 in 2024; short-term debt: 71.2% and cash: 46.2% of total assets), and 71.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
28.8%
Return on assets
7.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-11-2025, 156 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
156 d early
2024
89 d early
2023
155 d early
2022
95 d early
2021
59 d early
2020
4 d early
2019
143 d early
← 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 100 days before 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 25 January (4 of the last 5 filed years within 59 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€35,305▲ 3.3%
2024 · €34,187
Total assets
€122,796▲ 19.6%
2024 · €102,668
Net result
€8,877▲ 47.5%
2024 · €6,018
Working capital
€31,142▲ 5.2%
2024 · €29,602
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,241-€23,477€7,835€6,509▼ 16.9%€9,810▲ 50.7%
Net result€1,683within the sector's middle half-€23,579below the sector's middle half€9,716within the sector's middle half€6,018within the sector's middle half▼ 38.1%€8,877within the sector's middle half▲ 47.5%
Equity€60,032within the sector's middle half▲ 2.9%€36,453within the sector's middle half▼ 39.3%€46,169within the sector's middle half▲ 26.7%€34,187within the sector's middle half▼ 26.0%€35,305within the sector's middle half▲ 3.3%
Total assets€84,429within the sector's middle half▼ 12.3%€68,677within the sector's middle half▼ 18.7%€92,204within the sector's middle half▲ 34.3%€102,668within the sector's middle half▲ 11.3%€122,796within the sector's middle half▲ 19.6%
Debt€24,397▼ 35.7%€32,224▲ 32.1%€46,035▲ 42.9%€68,481▲ 48.8%€87,492▲ 27.8%
Working capital€41,437within the sector's middle half▲ 2.1%€19,189within the sector's middle half▼ 53.7%€36,813within the sector's middle half▲ 91.8%€29,602within the sector's middle half▼ 19.6%€31,142within the sector's middle half▲ 5.2%
Solvency71.1%above the sector's middle half▲ 10.5pp53.1%within the sector's middle half▼ 18.0pp50.1%within the sector's middle half▼ 3.0pp33.3%within the sector's middle half▼ 16.8pp28.8%within the sector's middle half▼ 4.5pp
Current ratio2.70within the sector's middle half▲ 0.631.60within the sector's middle half▼ 1.101.80within the sector's middle half▲ 0.201.43within the sector's middle half▼ 0.371.36within the sector's middle half▼ 0.08
Return on assets (ROA)2.0%within the sector's middle half▲ 3.1pp-34.3%below the sector's middle half▼ 36.3pp10.5%within the sector's middle half▲ 44.9pp5.9%within the sector's middle half▼ 4.7pp7.2%within the sector's middle half▲ 1.4pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122,796
Fixed assets
€4,163 ▼ 9.2%
Current assets
€118,634 ▲ 21.0%
Equity and liabilities €122,796
Equity
€35,305 ▲ 3.3%
Debt
€87,492 ▲ 27.8%
Debt's share of the balance-sheet total rises from 66.7% to 71.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12,734▲
2024 · €11,281
Cash flow
€11,801▲
2024 · €10,789
Quick ratio
1.30▼
2024 · 1.36
Debt to equity
2.48▲
2024 · 2.00
ROE
25.1%▲
2024 · 17.6%
Interest coverage
41.46▼
2024 · 54.43
Debt ≤ 1 year
€87,492▲
2024 · €68,481
Income taxes
€888▲
2024 · €345
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,053 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.4%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,053 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,611 | €8,147 | €7,908 | €4,771 | €2,924 | ▼ 38.7% |
| Other operating charges640/8 | - | - | €364 | €97 | €53 | ▼ 45.4% |
| Gross operating margin9900 | €10,218 | -€15,331 | €16,108 | €11,378 | €12,787 | ▲ 12.4% |
| Operating profit (loss)9901 | €2,241 | -€23,477 | €7,835 | €6,509 | €9,810 | ▲ 50.7% |
| Financial income75/76B | - | €246 | €2,080 | €61 | €262 | ▲ 332% |
| Recurring financial income75 | €550 | €246 | €2,080 | €61 | €262 | ▲ 332% |
| Financial charges65/66B | - | €348 | €200 | €207 | €307 | ▲ 48.2% |
| Recurring financial charges65 | €1,107 | €348 | €200 | €207 | €307 | ▲ 48.2% |
| Profit (loss) for the period before taxes9903 | €1,683 | -€23,579 | €9,716 | €6,363 | €9,765 | ▲ 53.5% |
| Income taxes67/77 | - | - | - | €345 | €888 | ▲ 158% |
| Profit (loss) for the period9904 | €1,683 | -€23,579 | €9,716 | €6,018 | €8,877 | ▲ 47.5% |
| Profit (loss) for the period to be appropriated9905 | €1,683 | -€23,579 | €9,716 | €6,018 | €8,877 | ▲ 47.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €84,429 | €68,677 | €92,204 | €102,668 | €122,796 | ▲ 19.6% |
| Fixed assets21/28 | €18,596 | €17,265 | €9,356 | €4,585 | €4,163 | ▼ 9.2% |
| Tangible fixed assets22/27 | €18,596 | €17,265 | €9,356 | €4,585 | €4,163 | ▼ 9.2% |
| Plant, machinery and equipment23 | - | €3,698 | €2,312 | €757 | €2,384 | ▲ 215% |
| Furniture and vehicles24 | - | €13,566 | €7,044 | €3,828 | €1,778 | ▼ 53.6% |
| Current assets29/58 | €65,834 | €51,412 | €82,848 | €98,083 | €118,634 | ▲ 21.0% |
| Stocks and contracts in progress3 | €10,000 | €10,000 | €5,000 | €5,000 | €5,000 | = |
| Stocks30/36 | - | €10,000 | €5,000 | €5,000 | €5,000 | = |
| Amounts receivable within one year40/41 | €45,515 | €30,847 | €67,388 | €44,889 | €56,887 | ▲ 26.7% |
| Trade receivables40 | - | €30,847 | €64,101 | €44,889 | €56,887 | ▲ 26.7% |
| Other amounts receivable41 | - | - | €3,287 | - | - | - |
| Cash at bank and in hand54/58 | €4,761 | €6,907 | €10,459 | €48,146 | €56,747 | ▲ 17.9% |
| Deferred charges and accrued income490/1 | - | €3,659 | - | €48 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €84,429 | €68,677 | €92,204 | €102,668 | €122,796 | ▲ 19.6% |
| Equity10/15 | €60,032 | €36,453 | €46,169 | €34,187 | €35,305 | ▲ 3.3% |
| Contributions10/11 | - | €18,600 | €18,600 | €600 | €600 | = |
| Reserves13 | €30,141 | €30,141 | €30,141 | €33,587 | €34,705 | ▲ 3.3% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €28,281 | €28,281 | €31,727 | €32,845 | ▲ 3.5% |
| Profit (loss) carried forward14 | €11,292 | -€12,288 | -€2,572 | - | - | - |
| Amounts payable17/49 | €24,397 | €32,224 | €46,035 | €68,481 | €87,492 | ▲ 27.8% |
| Amounts payable within one year42/48 | €24,397 | €32,224 | €46,035 | €68,481 | €87,492 | ▲ 27.8% |
| Trade debts44 | €15,696 | €19,266 | €20,278 | €18,019 | €24,646 | ▲ 36.8% |
| Suppliers440/4 | - | €19,266 | €20,278 | €18,019 | €24,646 | ▲ 36.8% |
| Taxes, remuneration and social security45 | - | - | - | €8,192 | €1,319 | ▼ 83.9% |
| Taxes450/3 | - | - | - | - | €1,319 | - |
| Remuneration and social security454/9 | - | - | - | €8,192 | - | - |
| Other amounts payable47/48 | - | €12,958 | €25,758 | €42,270 | €61,526 | ▲ 45.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,683 | -€23,579 | €9,716 | €6,018 | €8,877 | ▲ 47.5% |
| + Depreciation and write-downs630 | €7,611 | €8,147 | €7,908 | €4,771 | €2,924 | ▼ 38.7% |
| Operating cash flow (approximation) | €9,295 | -€15,433 | €17,624 | €10,789 | €11,801 | ▲ 9.4% |
| Investment in fixed assets (approximation) | - | -€6,815 | €0 | €0 | -€2,501 | - |
| Change in cash | - | €2,146 | €3,553 | €37,687 | €8,601 | ▼ 77.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
25-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-09
Financial
Back to profitnet €9,716
Net result €9,716 after one loss-making year.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet -€23,579
Net result drops to -€23,579, the lowest in the series; recovery starts the following year.
02-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €1,683
Net result €1,683 after one loss-making year.
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
08-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Diest · 1 establishment unit since 2009
Ground area
3,669 m²
Building footprint
231 m²
Volume, LiDAR
1,017 m³
Parcel 24120D0115/00X000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
KLIMAPHIL
since 20092.184.841.559
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24120D0115/00X000 | Flanders | 3,669 m² | 1 · 231 m² | 6.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
2023 · 1 entry · 268 EUR awarded · 268 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 268 EUR | 268 EUR |
Similar companies · same sector, comparable size
CV CH MITRENGA
BE 0476.738.865
Boom · Eq €35,265
Van Pee Tom
BE 1000.454.931
Huldenberg · Eq €35,263
Staelens Technics
BE 1003.472.720
Diksmuide · Eq €35,248
Etablissements GAGLIARDINI Bernard
BE 0463.059.885
Thuin · Eq €35,192
SANICENTER FRANK CHAUFFAGE
BE 1002.914.573
Morlanwelz · Eq €35,441
Of 9,537 companies in sector 43222 we hold annual accounts for 5,668. 4,193 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-09-2009
Fiscal year end30-09
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0818206084
Also
9925:BE0818206084
Registered
04-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.