NI CHAUD NI FROID
ActiveSummary
The computed 12-month bankruptcy probability of NI CHAUD NI FROID is 4.4% (elevated). The annual accounts of NI CHAUD NI FROID for fiscal year 2025 show a net loss of 140% of total assets and of 98% of the equity at the start of that year. The 2025 annual accounts show equity of €399 and a net result of €-21k. Its solvency ranks better than 10% of 27786 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency28▼-31
Growth32
Track record94
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.73 against 1.36 in 2024; short-term debt: 95.6% and cash: 45.8% of total assets), and 97.3% 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.
+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.7%
Return on assets
-139.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 10%
← 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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€399▼ 98.1%
2024 · €21k
2024: €21k
2024 → 2025
Total assets
€15k▼ 75.9%
2024 · €61k
2024: €61k
2024 → 2025
Net result
€-21k
2024 · €16k
2024: €16k
2024 → 2025
Working capital
€-4k
2024 · €14k
2024: €14k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€21k-€399▼ 98.1%
Operating result€21k-€-19k
Net result€16k-€-21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €21k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15k
Fixed assets
€4k ▼ 55.6%
Current assets
€10k ▼ 79.9%
Equity and liabilities €15k
Equity
€399 ▼ 98.1%
Debt
€14k ▼ 64.2%
Debt's share of the balance-sheet total rises from 65.6% to 97.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-14k▼
2024 · €30k
Cash flow
€-15k▼
2024 · €25k
Current ratio
0.73▼
2024 · 1.36
ROA
-139.9%▼
2024 · 26.2%
Interest coverage
-11.61▼
2024 · 21.29
Debt ≤ 1 year
€14k▼
2024 · €37k
Income taxes
€132▼
2024 · €4k
Staff costs
€5k▼
2024 · €9k
Equity ratios withheld: equity of €399 is too small for a meaningful ratio.
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€61k€15k▼
Fixed assets21/28€10k€4k▼
Tangible fixed assets22/27€10k€4k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€7k€2k▼
Financial fixed assets28€363€363=
Current assets29/58€51k€10k▼
Amounts receivable within one year40/41€27k€3k▼
Trade receivables40€23k€2k▼
Other amounts receivable41€4k€1k▼
Cash at bank and in hand54/58€23k€7k▼
Deferred charges and accrued income490/1€738€670▼
Equity and liabilities
Total equity and liabilities10/49€61k€15k▼
Equity10/15€21k€399▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€16k€-5k▼
Amounts payable17/49€40k€14k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€37k€14k▼
Current portion of amounts payable after more than one year42€5k€3k▼
Trade debts44€28k€5k▼
Suppliers440/4€28k€5k▼
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€551€2k▲
Accrued charges and deferred income492/3-€250
Income statement
Code20242025
Remuneration, social security and pensions62€9k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€6k▼
Other operating charges640/8€619€860▲
Gross operating margin9900€39k€-8k▼
Operating profit (loss)9901€21k€-19k▼
Financial income75/76B€362€20▼
Recurring financial income75€362€20▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€20k€-20k▼
Income taxes67/77€4k€132▼
Profit (loss) for the period9904€16k€-21k▼
Profit (loss) for the period to be appropriated9905€16k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-5k▼
Profit (loss) brought forward from the previous period14P-€16k
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Mouscron · 1 establishment unit since 2023
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.
Barrière Leclercqstraat(D) 567711 MouscronGround area
1,014 m²
Building footprint
207 m²
Parcel 54006N0386/00_000, Wallonia. Linked by address, not a title deed.
1 establishment unit
NI CHAUD NI FROID
since 20232.346.194.230
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54006N0386/00_000 | Wallonia | 1,014 m² | 1 · 207 m² | - |
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
ENTREPRISE PILATO
BE 0471.663.290
Anderlecht · Eq €467
Ronny Technics en Zoon
BE 0716.851.774
Ronse · Eq €326
CONFORT MAINTENANCE
BE 1016.868.717
Sambreville · Eq €508
Plombex
BE 0863.062.052
Ukkel · Eq €311
VERWARMING PIETERS
BE 0429.611.911
Overijse · Eq €513
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 141 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
Founded08-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.