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PEFLO THERM

Active
Private limited company (pre-2019)founded 1980active for 46 yearsKloosterstraat 25, 2260 Westerlo, BelgiumKBO/BCE: BE 0420.101.951
Summary

PEFLO THERM has been active since 1980 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,102 and a net result of -€2,581. Equity is growing by about 13% per year across the filed financial years. Its solvency ranks better than 86% of 9,591 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Overview

Activity
Installation of electric heating, air conditioning, cooling and ventilation
NACE 43222
#6 oldest company in Westerlo, Construction sector1 site
Size
€33,116total assets 2025
Equity
€26,102
Loss
-€2,581
Turnover not published (abbreviated or micro format)
Financial health
81 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Structure
Accounts on time0 of 1 deed read
Why 81raises riskSector: Specialised construction activities (NACE 43)Loss of €2,581, the second in a row (financial year 2025)Size: total assets €33,116lowers riskFounded in 1980Show the evidence

Checked score

Score 2025
81 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 45% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Average
Solvency 100+7
equity 78.8% of total assets
Liquidity 56-28
short-term debt 19.7% · cash 9.4%
Profitability 18+10
return on assets -7.8%
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,532 companies, NACE 43, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024lowest value 02-2025: 0.1%● unchanged vs 01-2025lowest value 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.2%▲ +0.1 percentage points vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.3%▲ +0.1 percentage points vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.5%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.5%● unchanged vs 08-2026highest value 10-2026: 0.5%● unchanged vs 09-2026highest value
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity ample (current ratio 3.96, compared with 3.13 in 2024; short-term debt: 19.7% and cash: 9.4% of total assets), and 21.2% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 90% on solvency, 52% on liquidity, 14% on profitability and 25% on growth.

The bankruptcy probability was computed on 08-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
−lowers risk+raises risk○neutral
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Loss of €2,581, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Founded in 1980
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Size: total assets €33,116
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2,581
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 · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
16 days late
2021
27 days early
2020
1 day early
2019
62 days late
← 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 7 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
09-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Caution: Among the weakest 15% on equitysector median €256,604 · 9,593 companies €26,102 View
  • Caution: 2 loss-making years in a rowloss financial year 2025 -€2,581 View
  • Active since 1980founded 23-01-1980 46 years View

By topic

Financials

Financial year
2025
Total assets
€33,116
Loss
-€2,581
Solvency
78.8%
Total assets▼ 21.2%
Net result
20182025
Go to Financials

Timeline

Events
51
Since
1981
Next accounts
by 31-07-2027
  1. 16-08-2023Annual accounts filed
  2. 31-12-2022Highest result from 2018 to 2025
  3. 31-12-2022Liquidity doubles
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Installation of electric heating, air conditioning, cooling and…NACE 43222
Founded
23-01-1980
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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