PRO CHAUFFE
ActiveSummary
The computed 12-month bankruptcy probability of PRO CHAUFFE is 1.5% (moderate). The annual accounts of PRO CHAUFFE for fiscal year 2025 show a net loss of 79% of the equity at the start of that year. The 2025 annual accounts show equity of €6,483 and a net result of -€24,842. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 28254 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-69
Solvency30▼-17
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
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 tight (current ratio 1.23 against 1.91 in 2024; short-term debt: 62.7% of total assets), and 94.6% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
+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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
5.4%
Return on assets
-20.8%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 28254 sector peers (2025).
NBB · sector comparisonPosition among 28254 sector peers
Solvency
better than 11%
← 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 07-07-2026, 24 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
24 d early
2024
17 d early
2023
on the day
2022
17 d late
2021
5 d early
2020
9 d early
2019
24 d 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 2 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€6,483▼ 79.3%
2024 · €31,325
Total assets
€119,158▼ 16.0%
2024 · €141,830
Net result
-€24,842
2024 · €15,467
Working capital
€17,248▼ 63.4%
2024 · €47,182
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€9,481▼ 62.7%-€49,928€42,130€33,034▼ 21.6%-€17,954
Net result€5,571within the sector's middle half▼ 72.0%-€56,370below the sector's middle half€35,696above the sector's middle half€15,467within the sector's middle half▼ 56.7%-€24,842below the sector's middle half
Equity€36,532within the sector's middle half▲ 18.0%-€19,837below the sector's middle half€15,858below the sector's middle half€31,325within the sector's middle half▲ 97.5%€6,483below the sector's middle half▼ 79.3%
Total assets€85,806within the sector's middle half▼ 40.1%€91,110within the sector's middle half▲ 6.2%€123,601within the sector's middle half▲ 35.7%€141,830within the sector's middle half▲ 14.7%€119,158within the sector's middle half▼ 16.0%
Debt€49,274▼ 56.1%€110,947▲ 125%€107,742▼ 2.9%€110,505▲ 2.6%€112,676▲ 2.0%
Working capital€28,343within the sector's middle half▲ 7.0%-€4,262below the sector's middle half€48,812within the sector's middle half€47,182within the sector's middle half▼ 3.3%€17,248within the sector's middle half▼ 63.4%
Solvency42.6%within the sector's middle half▲ 21.0pp-21.8%below the sector's middle half▼ 64.3pp12.8%below the sector's middle half▲ 34.6pp22.1%below the sector's middle half▲ 9.3pp5.4%below the sector's middle half▼ 16.6pp
Current ratio1.60within the sector's middle half▲ 0.340.95below the sector's middle half▼ 0.641.78within the sector's middle half▲ 0.821.91within the sector's middle half▲ 0.131.23within the sector's middle half▼ 0.68
Return on assets (ROA)6.5%within the sector's middle half▼ 7.4pp-61.9%below the sector's middle half▼ 68.4pp28.9%above the sector's middle half▲ 90.7pp10.9%within the sector's middle half▼ 18.0pp-20.8%below the sector's middle half▼ 31.8pp
Staff (FTE)3▲ 50.0%1.2▼ 60.0%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 €17,954 after €33,034 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119,158
Fixed assets
€27,214 ▼ 36.1%
Current assets
€91,944 ▼ 7.4%
Equity and liabilities €119,158
Equity
€6,483 ▼ 79.3%
Debt
€112,676 ▲ 2.0%
Debt's share of the balance-sheet total rises from 77.9% to 94.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€9,297▼
2024 · €40,097
Cash flow
-€16,186▼
2024 · €22,530
Debt to equity
17.38▲
2024 · 3.53
ROE
-383.2%▼
2024 · 49.4%
Interest coverage
-1.57▼
2024 · 4.40
Debt ≤ 1 year
€74,696▲
2024 · €52,059
Debt > 1 year
€37,979▼
2024 · €58,116
Income taxes
€684▼
2024 · €6,640
Staff costs
€428▲
2024 · €404
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 647 companies that looked in July 2024 the way this one looks now, 6.6% went bankrupt within 24 months and 86% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a loss of 10% of the balance sheet or more
6.6%
went bankrupt
5.6%
stopped otherwise
86%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 647 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €17,552 | €10,366 | €316 | €404 | €428 | ▲ 6.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,049 | €4,351 | €3,958 | €7,064 | €8,656 | ▲ 22.5% |
| Other operating charges640/8 | €475 | €872 | €1,157 | €1,021 | €890 | ▼ 12.8% |
| Non-recurring operating charges66A | - | - | - | - | €751 | - |
| Gross operating margin9900 | €31,557 | -€34,340 | €47,560 | €41,523 | -€7,229 | ▼ 117% |
| Operating profit (loss)9901 | €9,481 | -€49,928 | €42,130 | €33,034 | -€17,954 | ▼ 154% |
| Financial income75/76B | €350 | €399 | €2,827 | €1,131 | €22 | ▼ 98.0% |
| Recurring financial income75 | €350 | €399 | €2,827 | €1,131 | €22 | ▼ 98.0% |
| Financial charges65/66B | €2,123 | €6,422 | €8,474 | €12,058 | €6,227 | ▼ 48.4% |
| Recurring financial charges65 | €1,780 | €5,258 | €7,586 | €9,103 | €5,911 | ▼ 35.1% |
| Non-recurring financial charges66B | €344 | €1,164 | €889 | €2,956 | €316 | ▼ 89.3% |
| Profit (loss) for the period before taxes9903 | €7,708 | -€55,952 | €36,482 | €22,106 | -€24,158 | ▼ 209% |
| Income taxes67/77 | €2,136 | €418 | €787 | €6,640 | €684 | ▼ 89.7% |
| Profit (loss) for the period9904 | €5,571 | -€56,370 | €35,696 | €15,467 | -€24,842 | ▼ 261% |
| Profit (loss) for the period to be appropriated9905 | €5,571 | -€56,370 | €35,696 | €15,467 | -€24,842 | ▼ 261% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €85,806 | €91,110 | €123,601 | €141,830 | €119,158 | ▼ 16.0% |
| Fixed assets21/28 | €9,929 | €5,947 | €11,978 | €42,590 | €27,214 | ▼ 36.1% |
| Tangible fixed assets22/27 | €7,619 | €3,637 | €9,668 | €40,280 | €27,154 | ▼ 32.6% |
| Plant, machinery and equipment23 | €2,084 | €1,302 | €1,527 | €974 | €288 | ▼ 70.5% |
| Furniture and vehicles24 | - | - | €8,141 | €6,285 | €1,346 | ▼ 78.6% |
| Leasing and similar rights25 | €4,909 | €2,083 | - | €33,021 | €25,521 | ▼ 22.7% |
| Other tangible fixed assets26 | €626 | €253 | - | - | - | - |
| Financial fixed assets28 | €2,310 | €2,310 | €2,310 | €2,310 | €60 | ▼ 97.4% |
| Current assets29/58 | €75,878 | €85,163 | €111,622 | €99,241 | €91,944 | ▼ 7.4% |
| Amounts receivable within one year40/41 | €75,367 | €83,732 | €109,899 | €95,841 | €90,836 | ▼ 5.2% |
| Trade receivables40 | €21,170 | €26,797 | €49,063 | €12,610 | €34,795 | ▲ 176% |
| Other amounts receivable41 | €54,197 | €56,934 | €60,836 | €83,231 | €56,041 | ▼ 32.7% |
| Cash at bank and in hand54/58 | €440 | - | - | - | - | - |
| Deferred charges and accrued income490/1 | €71 | €1,431 | €1,723 | €3,400 | €1,108 | ▼ 67.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €85,806 | €91,110 | €123,601 | €141,830 | €119,158 | ▼ 16.0% |
| Equity10/15 | €36,532 | -€19,837 | €15,858 | €31,325 | €6,483 | ▼ 79.3% |
| Contributions10/11 | €6,200 | €6,200 | €8,060 | €8,060 | €8,060 | = |
| Reserves13 | €1,860 | €1,860 | - | - | - | - |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Profit (loss) carried forward14 | €28,472 | -€27,897 | €7,798 | €23,265 | -€1,577 | ▼ 107% |
| Amounts payable17/49 | €49,274 | €110,947 | €107,742 | €110,505 | €112,676 | ▲ 2.0% |
| Amounts payable after more than one year17 | €1,739 | €21,522 | €44,932 | €58,116 | €37,979 | ▼ 34.6% |
| Financial debts170/4 | €1,739 | €21,522 | €44,932 | €58,116 | €37,979 | ▼ 34.6% |
| Amounts payable within one year42/48 | €47,535 | €89,425 | €62,810 | €52,059 | €74,696 | ▲ 43.5% |
| Current portion of amounts payable after more than one year42 | €6,365 | €7,194 | - | €5,948 | €6,422 | ▲ 8.0% |
| Financial debts43 | - | €11,671 | €19,668 | €15,207 | €26,624 | ▲ 75.1% |
| Credit institutions430/8 | - | €11,671 | €19,668 | €15,207 | €26,624 | ▲ 75.1% |
| Trade debts44 | €23,799 | €63,252 | €38,356 | €30,109 | €38,763 | ▲ 28.7% |
| Suppliers440/4 | €23,799 | €63,252 | €38,356 | €30,109 | €38,763 | ▲ 28.7% |
| Taxes, remuneration and social security45 | €13,371 | €3,309 | €787 | €795 | €2,887 | ▲ 263% |
| Taxes450/3 | €10,027 | €2,554 | €787 | €787 | €2,887 | ▲ 267% |
| Remuneration and social security454/9 | €3,344 | €755 | - | €8 | - | - |
| Other amounts payable47/48 | €4,000 | €4,000 | €4,000 | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €331 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,571 | -€56,370 | €35,696 | €15,467 | -€24,842 | ▼ 261% |
| + Depreciation and write-downs630 | €4,049 | €4,351 | €3,958 | €7,064 | €8,656 | ▲ 22.5% |
| Operating cash flow (approximation) | €9,620 | -€52,019 | €39,653 | €22,530 | -€16,186 | ▼ 172% |
| Investment in fixed assets (approximation) | - | -€369 | -€9,988 | -€37,675 | €6,720 | ▲ 118% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €35,696
Net result €35,696 after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Weakest financial yearnet -€56,370
Net result drops to -€56,370, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €19,876
Net result €19,876 after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Liège · 1 establishment unit since 2018
Ground area
4,749 m²
Building footprint
134 m²
Volume, LiDAR
1,038 m³
Parcel 62078A0160/00H004, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PRO CHAUFFE
since 20182.278.084.590
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62078A0160/00H004 | Wallonia | 4,749 m² | 1 · 134 m² | 12.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,536 companies in sector 43222 we hold annual accounts for 5,669. 1,919 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
33110Repair and maintenance of fabricated metal products
43221Plumbing work
43230Insulation installation
47527Retail trade
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0700520241
Registered
16-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.