Equity
€52,470 ▲ 61.2%
REFTECH paid out €23,529 in dividends. That is 54% of the 2025 profit.
REFTECH
Overview
Lifetime
5 annual accounts with figures on one time axispeak €125,400 (2025)
€125,400▲ 116%
lowest -€1,327 (2023)
€43,450▲ 282%
peak €52,470 (2025)
€52,470▲ 61.2%
€50,990▲ 500%
Board1 name since 2021
1 director
Documentsfilings and deeds
07-10-202668 days late
2025micro format
Gross margin from €58,146 to €125,400Result from €11,369 to €43,450Dividend €23,529Equity from €32,550 to €52,470Debts from €8,493 to €50,990Investments €10,848
Key points
from the 2025 annual accountsTurnover
≈ €390,000 estimated
The micro format states no turnover.
Investments
€10,848 2.0 × depreciation
Green is investment, beige is depreciation. Machinery stands 170.4% higher than in 2024.
Staff
2 employees on 31-12-2025
In 2025, 1 person joined and 1 left.
Liquidity
1.73 was 3.80 in 2024
Short-term debts rose from €8,241 to €50,990.
Filings
5 annual accounts 68 days
Latest accounts filed late: after the legal deadline.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 26,969 companies had the same profile as REFTECH has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,969 companies, not a prediction for REFTECH. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0763807296
Incorporation
Founding capital of €5,000, 100 shares · Founder: · Appointment: (director) · published on 22-02-2021 · Gazette deed
First establishment
Rue Culot du Bois 127, Sambreville
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| REFTECH Sambreville | €103,460 | €125,400 | 50.7% | - |
| TMR MONTAGE Genk | €93,411 | €122,334 | 28.6% | - |
| ZAG Aiseau-Presles | €112,631 | €129,527 | 54.0% | - |
| MADOE Braine-le-Comte | €122,930 | €111,355 | -4.0% | - |
| Jorissen Sanitair & Verwarming Riemst | €96,676 | €100,551 | 67.5% | - |
| Vulcain Seneffe | €129,976 | €135,751 | 64.5% | - |
| Chaufftec Schaerbeek | €118,162 | €130,970 | 8.9% | - |
These companies have the same main activity as REFTECH: installation of electric heating, air conditioning, cooling and ventilation (NACE 43222). They are comparable in size and age: total assets between €93,400 and €130,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 18-02-2021Normal situation
- Activity
- Installation of electric heating, air conditioning, cooling and ventilationNACE 43222
- Establishment unit
- 2.313.923.1225060 Sambreville, since 18-02-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 18-10-2025
Annual accounts 2025
- €125,400▲ 116%
- €43,450▲ 282%
- €52,470▲ 61.2%
- €103,460▲ 152%
- Employeeson 31-12-2025
- 2▲ 100%
- Filing
- Filed on 07-10-2026
Insights on REFTECH
REFTECH files the micro format. That format states no turnover. The gross margin rose from €32,425 in 2021 to €125,400 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 07-10-2026, 68 days late€125,400
▲ 116%
€57,247
▲ 272%
€43,450
▲ 282%
€37,322
▲ 61.8%
50.7%
▼ 28.6 percentage points
1.73
▼ 2.07
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €390,000. Estimated: probably between €310,000 and €470,000.
Balance sheet
balance sheet total €103,460 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
50.7%
Higher than 55% of 35,156 companies in 2025.
1.73
Higher than 48% of 34,529 companies in 2025.
42.0%
Higher than 93% of 34,730 companies in 2025.
REFTECH
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff
€46,666
Staff costs divided by the average number of full-time equivalents.
level
people who joined
people who left
In 2025, 1 person joined and 1 left. Training hours in 2025: 352.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
103,460 | 41,043 | 32,960 | 41,534 | 51,531 | |
21/28 |
15,148 | 9,742 | 5,780 | 5,411 | 8,133 | |
22/27 |
15,148 | 9,742 | 5,780 | 5,411 | 8,133 | |
22 |
1,856 | 2,315 | 2,775 | 3,234 | 3,694 | |
23 |
6,743 | 2,494 | 482 | 1,323 | 2,593 | |
24 |
6,549 | 4,933 | 2,523 | 854 | 1,847 | |
29/58 |
88,312 | 31,301 | 27,180 | 36,123 | 43,398 | |
40/41 |
6,730 | 8,043 | 7,380 | 21,219 | 21,559 | |
40 |
6,730 | 6,274 | 5,961 | 18,041 | 10,917 | |
41 |
- | 1,770 | 1,420 | 3,177 | 10,643 | |
54/58 |
81,204 | 22,551 | 18,505 | 14,004 | 19,755 | |
490/1 |
378 | 706 | 1,295 | 900 | 2,083 | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
103,460 | 41,043 | 32,960 | 41,534 | 51,531 | |
10/15 |
52,470 | 32,550 | 21,181 | 22,508 | 15,681 | |
10/11 |
5,000 | 5,000 | 5,000 | 5,000 | 5,000 | |
14 |
47,470 | 27,550 | 16,181 | 17,508 | 10,681 | |
17/49 |
50,990 | 8,493 | 11,779 | 19,026 | 35,850 | |
42/48 |
50,990 | 8,241 | 11,470 | 19,026 | 35,850 | |
44 |
13,894 | 4,159 | 7,355 | 7,264 | 21,968 | |
440/4 |
13,894 | 4,159 | 7,355 | 7,264 | 21,968 | |
45 |
13,217 | 793 | 1,485 | 9,399 | 5,730 | |
450/3 |
13,217 | 71 | 1,325 | 9,239 | 5,730 | |
454/9 |
- | 722 | 160 | 160 | - | |
47/48 |
23,879 | 3,289 | 2,630 | 2,363 | 8,152 | |
492/3 |
- | 252 | 309 | - | - | |
| Income statement | ||||||
76A |
- | 11,769 | - | - | - | |
9900 |
125,400 | 58,146 | 3,795 | 16,747 | 32,425 | |
62 |
60,666 | 39,078 | - | - | - | |
630 |
5,442 | 2,552 | 2,043 | 2,556 | 5,053 | |
640/8 |
2,046 | 1,145 | 1,192 | 3,150 | 10,668 | |
66A |
- | - | - | 718 | - | |
9901 |
57,247 | 15,371 | 560 | 10,324 | 16,704 | |
75/76B |
1,047 | 324 | 397 | 1,036 | 621 | |
75 |
1,047 | 324 | 397 | 1,036 | 621 | |
65/66B |
2,404 | 1,097 | 959 | 1,025 | 914 | |
65 |
2,404 | 1,097 | 959 | 1,025 | 914 | |
9903 |
55,890 | 14,599 | -2 | 10,335 | 16,411 | |
67/77 |
12,441 | 3,230 | 1,325 | 3,509 | 5,730 | |
9904 |
43,450 | 11,369 | -1,327 | 6,827 | 10,681 | |
9905 |
43,450 | 11,369 | -1,327 | 6,827 | 10,681 | |
| Appropriation of the result | ||||||
9906 |
70,999 | 27,550 | 16,181 | 17,508 | 10,681 | |
14P |
27,550 | 16,181 | 17,508 | 10,681 | - | |
694/7 |
23,529 | - | - | - | - | |
694 |
23,529 | - | - | - | - | |
| Social balance sheet | ||||||
9087 |
1.3 | 0.8 | - | - | - | |
Hours worked1013 |
2,048 | 1,144 | - | - | - | |
| Document | ||||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 07-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 68 days after the deadline. Filed on 7 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00554372.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 07-10-2026 | 2026-00554372 | |
| 31-12-2024 | micro format | 23-08-2025 | 2025-00407809 | |
| 31-12-2023 | micro format | 03-07-2024 | 2024-00209523 | |
| 31-12-2022 | micro format | 30-08-2023 | 2023-00411105 | |
| 31-12-2021 | micro format | 27-06-2022 | 2022-20101960 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| 62,689 | 17,923 | 2,603 | 12,880 | 21,758 | ||
| 48,892 | 13,921 | 716 | 9,383 | 15,734 | ||
| 10,848 | 20,778 | 2,412 | 551 | 13,186 | ||
| 58,653 | 4,047 | 4,500 | -5,750 | - | ||
| 37,322 | 23,060 | 15,710 | 17,097 | 7,548 | ||
| 50.7% | 79.3% | 64.3% | 54.2% | 30.4% | ||
| 1.73 | 3.80 | 2.37 | 1.90 | 1.21 | ||
| 0.97 | 0.26 | 0.56 | 0.85 | 2.29 | ||
| 82.8% | 34.9% | -6.3% | 30.3% | 68.1% | ||
| 42.0% | 27.7% | -4.0% | 16.4% | 20.7% | ||
| 26.08 | 16.34 | 2.71 | 12.57 | 23.79 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 | 31-12-2024 |
|---|---|---|
| Employees at the balance-sheet date | 2 | 1 |
| full-time | 2 | 1 |
| in full-time equivalents | 2 | 1 |
| 1.3 | 0.8 | |
| On a permanent contract | 1 | 1 |
| Joined | 1 | 1 |
| Left | 1 | 2 |
| Training hours | 352 | - |
Source: social balance sheet in the 2024 to 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €10,848 | €20,778 | €2,412 | €551 | €13,186 |
| €5,442 | €2,552 | €2,043 | €2,556 | €5,053 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on REFTECH
The operating result for 2025 is over 3.7 times that of 2024 and the highest since 2021. It is the second rise in a row, after the fall in 2023.
Debt's share of the balance-sheet total rises from 20.7% to 49.3%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 18-02-2021
term without a fixed end
listed in the 2025 annual accounts, filed on 07-10-2026
Mandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), from 18-02-2021 to date
Control
Founder
This company
REFTECH
Equity €52,470
Profit €43,450 in 2025
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €525 in 2025
- Source
- deed of 22-02-2021
Articles of association
deed of 22-02-2021 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitie cedant moitie acquereurs prorata, prix notification ou expert si contestation”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Monday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Quelque cause et quelque moment, assemblée générale peut désigner un ou plusieurs liquidateurs et déterminer pouvoirs et émoluments”
Shareholders
At incorporation
deed of 22-02-2021 ↗
- 100 shares (100%)
Network & group
No group
REFTECH has no parent and no holdings in its annual accounts. is the only director. REFTECH shares no director with another company.
Timeline
Timeline
11 events since 2021Filings
Financial
Establishments
202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 68 days late
2025
Highest result from 2021 to 2025 net €43,450 ▲282% The operating result of €57,247 and the net result of €43,450 are both a record.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0763807296
Annual accounts 2024 filed PDFmicro format · 23 days late
2024
Back to profit net €11,369 The net result is €11,369, after one loss-making year.
Annual accounts 2023 filed PDFmicro format · 28 days before the deadline
2023
Weakest financial year net -€1,327 The net result drops to -€1,327, the lowest from 2021 to 2025. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 30 days late
2022
Annual accounts 2021 filed PDFmicro format · 34 days before the deadline
2021
IncorporationFounding capital of €5,000, 100 shares · Founder: · Appointment: (director) · published on 22-02-20214 points ▸
- Registered office clause, rue Culot du Bois 127, 5060 Velaine-sur-Sambre
- Director appointment, (director (not named in the articles))
- Founder,
- Founding capital, €5,000, 100 shares
- The deed holds 4 more points.
First establishment Rue Culot du Bois 127, Sambreville
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0763.807.296
- VAT number
- BE 0763.807.296
- Peppol ID
- 0208:0763807296
- Other Peppol ID
- 9925:BE0763807296
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 18-02-2021
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Monday of June at 18:00deed of 22-02-2021 (in French)
- Peppol
- Reachable since 18-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- REFTECH in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 22-02-2021 (in French)
Activities
NACEBEL 2025VAT activities
43222
Installation of electric heating, air conditioning, cooling and ventilation main activity
Social security (RSZ) activities
43222
Installation of electric heating, air conditioning, cooling and ventilation main activity
Codes under NACEBEL 2008
VAT activities
43222
Specialised construction activities main activity
Social security (RSZ) activities
43222
Specialised construction activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’achat, la vente, l’entretien, l’installation et la réparation de matériel de chauffage, électrique, de systèmes de climatisation, de…”deed of 22-02-2021 (in French)
6 activities
- L’achat, la vente, l’entretien, l’installation et la réparation de matériel de chauffage, électrique, de systèmes de climatisation, de traitements des eaux, de piscines et de sanitaire
- La conception et l’étude de toute forme de chauffage, de sanitaire, de ventilation, de conditionnement d’air, de réfrigération et de climatisation
- La fabrication artisanale de matériel de chauffage, de sanitaire, de ventilation, de conditionnement d’air, de réfrigération et de climatisation
- L’entretien et le tubage de cheminée, de foyers et de poêles à pellets
- Tous travaux de plomberie et appareils sanitaires, de conduites et raccordements de tous types
- L’installation de panneaux photovoltaïques et solaires ainsi que de pompes à chaleur
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Culot du Bois 127 registered office 5060 Sambreville | 18-02-2021 | 2.313.923.122 |
Buildings and parcels at the address
- Ground area
- 138 m²
- Buildings
- 207 m²
- Volume, LiDAR
- 1,053 m³
- Tallest building
- 9.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 92129D0288/00V011 | 138 m² | 1 · 207 m² | 9.7 m · 1 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0763.807.296