NEF COOLING
ActiveSummary
The computed 12-month bankruptcy probability of NEF COOLING is 2.2% (moderate). The 2025 annual accounts show equity of €3k and a net result of €2k. Equity is growing by ~61.5% per year across the filed fiscal years. Its solvency ranks better than 13% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-7
Solvency33▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 13%
← weakest
strongest →
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 17-03-2026, 44 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
44 d early
2024
41 d early
2023
6 d late
2022
47 d early
2021
40 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▲ 987%
2024 · €249
2021: €-2k
2022: €-317
2023: €3k
2024: €249
2021 → 2025
Total assets
€36k▼ 22.5%
2024 · €46k
2021: €21k
2022: €13k
2023: €35k
2024: €46k
2021 → 2025
Net result
€2k
2024 · €-2k
2021: €-2k
2022: €1k
2023: €3k
2024: €-2k
2021 → 2025
Working capital
€20k▼ 33.9%
2024 · €30k
2021: €11k
2022: €-7k
2023: €-2k
2024: €30k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€-317▲ 81.6%€3k€249▼ 90.8%€3k▲ 987%
Operating result€-2k-€1k€4k▲ 166%€-2k€4k
Net result€-2k-€1k€3k▲ 115%€-2k€2k
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 returns to profit in 2025: €4k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€2k ▼ 40.0%
Current assets
€34k ▼ 20.9%
Equity and liabilities €36k
Equity
€3k ▲ 987%
Debt
€33k ▼ 27.9%
Debt's share of the balance-sheet total falls from 99.5% to 92.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €2k
Cash flow
€4k▲
2024 · €1k
Current ratio
2.40▼
2024 · 3.30
Quick ratio
1.76▼
2024 · 2.21
Debt to equity
12.28
ROE
90.8%
ROA
6.8%▲
2024 · -5.3%
Debt ≤ 1 year
€14k▲
2024 · €13k
Debt > 1 year
€19k▼
2024 · €33k
Income taxes
€1k▲
2024 · €381
Staff costs
€24k▲
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€46k€36k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€227-
Furniture and vehicles24€4k€2k▼
Current assets29/58€43k€34k▼
Stocks and contracts in progress3€14k€9k▼
Stocks30/36€14k€9k▼
Amounts receivable within one year40/41€25k€18k▼
Trade receivables40€24k€16k▼
Other amounts receivable41€649€2k▲
Cash at bank and in hand54/58€4k€7k▲
Deferred charges and accrued income490/1€63€73▲
Equity and liabilities
Total equity and liabilities10/49€46k€36k▼
Equity10/15€249€3k▲
Profit (loss) carried forward14€249€3k▲
Amounts payable17/49€46k€33k▼
Amounts payable after more than one year17€33k€19k▼
Other amounts payable178/9€33k€19k▼
Amounts payable within one year42/48€13k€14k▲
Trade debts44€12k€196▼
Suppliers440/4€12k€196▼
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48-€13k
Income statement
Code20242025
Remuneration, social security and pensions62€21k€24k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€366€310▼
Gross operating margin9900€23k€30k▲
Operating profit (loss)9901€-2k€4k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€0-
Recurring financial charges65€0-
Profit (loss) for the period before taxes9903€-2k€4k▲
Income taxes67/77€381€1k▲
Profit (loss) for the period9904€-2k€2k▲
Profit (loss) for the period to be appropriated9905€-2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€249€3k▲
Profit (loss) brought forward from the previous period14P€3k€249▼
The notes to these accounts (3 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
13-07
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 1 juni 2026
- Registered-office move, Antwerpsesteenweg 124, 2630 Aartselaar
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €-2k ▼181%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity quadruplescurrent ratio 3.30
Current ratio from 0.94 to 3.30; short-term debt falls from €33k to €13k.
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
30-09
Financial
Highest result since 2021net €3k ▲115%
Operating result €4k, net result €3k, both a record.
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Aartselaar · 1 establishment unit since 2019
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.
Antwerpsesteenweg 1242630 AartselaarGround area
1,858 m²
Building footprint
844 m²
Volume, LiDAR
5,735 m³
Parcel 11001B0009/00V005, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NEF COOLING
since 20192.297.062.839
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0009/00V005 | Flanders | 1,858 m² | 1 · 844 m² | 9.6 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
TSUYO
BE 0655.721.879
Vorst · Eq €2,693
AC Koeling
BE 1002.148.768
Genk · Eq €2,688
PIREA
BE 0745.863.187
Etterbeek · Eq €2,659
Jan Van Dievel & Co
BE 0833.666.104
Kalmthout · Eq €2,623
Kijzer Technics
BE 0704.952.349
Antwerpen · Eq €2,615
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 945 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2019
Fiscal year end30-09
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.