SAM CHAUFFAGE
ActiveSAM CHAUFFAGE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €38k and a net result of €2k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 92% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability64▼-10
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 7.58 against 4.37 in 2023; short-term debt: 12.8% and cash: 28.2% of total assets), and 12.8% 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2024Solvency, return and age of the figures
Solvency
87.2%
Return on assets
3.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
60 d late
2022
28 d late
2021
118 d late
2020
31 d late
2019
73 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€38k▲ 4.5%
2023 · €37k
2018: €17k
2019: €8k
2020: €21k
2021: €13k
2022: €35k
2023: €37k
2018 → 2024
Total assets
€44k▼ 5.8%
2023 · €46k
2018: €23k
2019: €17k
2020: €24k
2021: €28k
2022: €58k
2023: €46k
2018 → 2024
Net result
€2k▼ 16.2%
2023 · €2k
2018: €2k
2019: €-8k
2020: €10k
2021: €-8k
2022: €22k
2023: €2k
2018 → 2024
Working capital
€37k▲ 9.9%
2023 · €34k
2018: €15k
2019: €9k
2020: €19k
2021: €9k
2022: €31k
2023: €34k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€21k-€13k▼ 39.1%€35k▲ 173%€37k▲ 5.7%€38k▲ 4.5%
Operating result€13k-€-7k€23k€3k▼ 88.2%€3k▲ 27.1%
Net result€10k-€-8k€22k€2k▼ 91.0%€2k▼ 16.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 27% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €44k
Fixed assets
€1k▼ 56.1%
Current assets
€42k▼ 2.4%
Equity and liabilities €44k
Equity
€38k▲ 4.5%
Debt
€6k▼ 43.6%
The debt ratio falls from 21.4% to 12.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2023 · €5k
Cash flow
€4k▼
2023 · €4k
Solvency
87.2%▲
2023 · 78.6%
Current ratio
7.58▲
2023 · 4.37
Quick ratio
7.40▲
2023 · 4.27
Debt / equity
0.15▼
2023 · 0.27
ROE
4.3%▼
2023 · 5.4%
ROA
3.8%▼
2023 · 4.3%
Interest coverage
4.91▼
2023 · 17.31
Debt
€6k▼
2023 · €10k
Debt ≤ 1 year
€6k▼
2023 · €10k
Income taxes
€127
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€46k€44k▼
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€733€825▲
Furniture and vehicles24€2k€475▼
Current assets29/58€44k€42k▼
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€27k€28k▲
Trade receivables40€23k€23k▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€15k€12k▼
Deferred charges and accrued income490/1€188€926▲
Equity and liabilities
Total equity and liabilities10/49€46k€44k▼
Equity10/15€37k€38k▲
Contributions10/11€17k€17k=
Reserves13€17k€18k▲
Distributable reserves133€17k€18k▲
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€10k€6k▼
Amounts payable within one year42/48€10k€6k▼
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€2k€442▼
Taxes450/3€2k€442▼
Other amounts payable47/48€2k€53▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€2k€931▼
Gross operating margin9900€9k€8k▼
Operating profit (loss)9901€3k€3k▲
Financial income75/76B€179€256▲
Recurring financial income75€179€256▲
Financial charges65/66B€938€2k▲
Recurring financial charges65€303€1k▲
Non-recurring financial charges66B€635€810▲
Profit (loss) for the period before taxes9903€2k€2k▼
Income taxes67/77-€127
Profit (loss) for the period9904€2k€2k▼
Profit (loss) for the period to be appropriated9905€2k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€4k▲
Profit (loss) brought forward from the previous period14P€477€2k▲
Transfer to equity691/2-€1k
To other reserves6921-€1k
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
26-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 118 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 6.58
Current ratio from 2.07 to 6.58; short-term debt falls from €8k to €3k.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
2019
31-12
Financial
Weakest financial yearnet €-8k ▼439%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 120 days late
2017
31-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 153 days late
2015
30-09
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Fontaine-l'Evêque · 1 establishment unit since 2011
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.
Place Destrée(FLM) 426141 Fontaine-l'EvêqueGround area
875 m²
Building footprint
253 m²
Volume, LiDAR
1,311 m³
Parcel 52030A0049/00B062, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sam Chauffage
since 20112.195.997.549
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52030A0049/00B062 | Wallonia | 875 m² | 1 · 253 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
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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BMC Energies
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BY Chauffage
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2010
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.