Plasmans HVAC
ActiveThe computed 12-month bankruptcy probability of Plasmans HVAC is 1.5% (moderate). The 2025 annual accounts show equity of €39k and a net result of €29k. Its solvency ranks better than 23% of 27711 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability89
Solvency47
Growth-
Track record67
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.3; short-term debt: 54.6% and cash: 11.5% of total assets), and 78.5% 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.
−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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
21.5%
Return on assets
16%
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 23% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€39k
Total assets
€179k
Net result
€29k
Working capital
€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €179k
Fixed assets
€52k
Current assets
€127k
Equity and liabilities €179k
Equity
€39k
Debt
€140k
Debt finances 78.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€47k
Cash flow
€34k
Solvency
21.5%
Current ratio
1.30
Quick ratio
1.30
Debt / equity
3.64
ROE
74.1%
ROA
16.0%
Interest coverage
36.54
Debt
€140k
Debt ≤ 1 year
€98k
Debt > 1 year
€25k
Income taxes
€12k
Staff costs
€30k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€179k
Fixed assets21/28€52k
Tangible fixed assets22/27€52k
Plant, machinery and equipment23€1k
Furniture and vehicles24€50k
Current assets29/58€127k
Amounts receivable within one year40/41€92k
Trade receivables40€81k
Other amounts receivable41€11k
Cash at bank and in hand54/58€21k
Deferred charges and accrued income490/1€14k
Equity and liabilities
Total equity and liabilities10/49€179k
Equity10/15€39k
Contributions10/11€10k
Reserves13€29k
Distributable reserves133€29k
Amounts payable17/49€140k
Amounts payable after more than one year17€25k
Financial debts170/4€25k
Amounts payable within one year42/48€98k
Current portion of amounts payable after more than one year42€7k
Trade debts44€81k
Suppliers440/4€81k
Taxes, remuneration and social security45€5k
Taxes450/3€5k
Remuneration and social security454/9€239
Other amounts payable47/48€5k
Accrued charges and deferred income492/3€18k
Income statement
Code2025
Remuneration, social security and pensions62€30k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k
Other operating charges640/8€1k
Gross operating margin9900€78k
Operating profit (loss)9901€42k
Financial income75/76B€167
Recurring financial income75€167
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€41k
Income taxes67/77€12k
Profit (loss) for the period9904€29k
Profit (loss) for the period to be appropriated9905€29k
Appropriation of the result
Profit (loss) to be appropriated9906€29k
Transfer to equity691/2€29k
To other reserves6921€29k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
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, Gavere · 1 establishment unit since 2025
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.
Provinciebaan 699890 GavereGround area
880 m²
Building footprint
268 m²
Volume, LiDAR
910 m³
Parcel 44016A0444/00H000, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Plasmans HVAC
since 20252.372.195.673
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016A0444/00H000 | Flanders | 880 m² | 1 · 268 m² | 8.9 m · 1 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
AM HVAC
BE 0799.211.704
Brussel · Eq €39k
Tom SOBRY
BE 0797.319.610
Chimay · Eq €39k
SPIES
BE 0838.095.539
Aarschot · Eq €39k
DRMS SERVICES
BE 1009.984.487
Overijse · Eq €38k
YD CHAUFFAGE
BE 0632.837.797
Anderlecht · Eq €39k
Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,273 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2025
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
43223Specialised construction activities
43230Insulation installation
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.