KSA WARMLIFE
ActiveThe computed 12-month bankruptcy probability of KSA WARMLIFE is 2.7% (moderate). The 2025 annual accounts show equity of €5k and a net result of €1k. Its solvency ranks better than 22% of 27451 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+16
Solvency45▼-6
Growth52
Track record82
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 27451 sector peers (2025).
NBB · sector comparisonPosition among 27451 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
29 d early
2024
3 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€43k
EBIT margin
4.2%
Net result
€1k▼ 13.4%
2024 · €1k
2024: €1k
2024 → 2025
Working capital
€2k▼ 49.6%
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€43k-
Equity€4k-€5k▲ 26.6%
Operating result€2k-€2k▲ 16.4%
Net result€1k-€1k▼ 13.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€3k
Current assets
€24k
Equity and liabilities €28k
Equity
€5k▲ 26.6%
Debt
€22k▲ 83.6%
The debt ratio rises from 73.6% to 80.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3k
Cash flow
€2k
Solvency
19.9%▼
2024 · 26.4%
Current ratio
1.10▼
2024 · 1.36
Quick ratio
0.81▼
2024 · 1.36
Debt / equity
4.03▲
2024 · 2.78
ROE
21.0%▼
2024 · 30.7%
ROA
4.2%▼
2024 · 8.1%
Interest coverage
7.94
Debt
€22k▲
2024 · €12k
Debt ≤ 1 year
€22k▲
2024 · €12k
Income taxes
€591▲
2024 · €469
Staff costs
€14k▲
2024 · €234
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€16k€28k▲
Fixed assets21/28-€3k
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Current assets29/58€16k€24k▲
Stocks and contracts in progress3-€6k
Stocks30/36-€6k
Amounts receivable within one year40/41€6k€15k▲
Trade receivables40-€5k
Other amounts receivable41€6k€10k▲
Cash at bank and in hand54/58€11k€3k▼
Equity and liabilities
Total equity and liabilities10/49€16k€28k▲
Equity10/15€4k€5k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€1k€2k▲
Amounts payable17/49€12k€22k▲
Amounts payable within one year42/48€12k€22k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€469€6k▲
Taxes450/3€469€591▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€9k€13k▲
Income statement
Code20242025
Turnover70€43k-
Goods, raw materials, services and sundry goods60/61€41k-
Remuneration, social security and pensions62€234€14k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€942
Other operating charges640/8€63€438▲
Gross operating margin9900€2k€18k▲
Operating profit (loss)9901€2k€2k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€29€386▲
Recurring financial charges65€29€386▲
Profit (loss) for the period before taxes9903€2k€2k▼
Income taxes67/77€469€591▲
Profit (loss) for the period9904€1k€1k▼
Profit (loss) for the period to be appropriated9905€1k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€2k▲
Profit (loss) brought forward from the previous period14P-€1k
The notes to these accounts (5 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Wezembeek-Oppem · 1 establishment unit since 2024
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.
Lange Eikstraat 461970 Wezembeek-OppemGround area
730 m²
Building footprint
427 m²
Volume, LiDAR
3,972 m³
2 parcels, Brussels, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
KSA WARMLIFE
since 20242.363.038.972
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22006A0114/00P000 | Flanders | 520 m² | 1 · 325 m² | 14.8 m · 3 fl. |
| 21526D0211/00G000 | Brussels | 210 m² | 1 · 102 m² | 13.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Q-Fire
BE 0778.493.294
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FRESH TIME
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MA SERVICE
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Of 9,528 companies in sector 43222 we hold annual accounts for 5,659. 1,722 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2024
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43223Specialised construction activities
43211General electrical installation work
43212Electrical installation work in industrial facilities
43221Plumbing work
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.