SCIARA CALOR

Active

Private limited companyfounded 20242 yrs activeRue de Montegnée 31, 4101 Seraing, BelgiumKBO/BCE: BE 1007.457.440

The computed 12-month bankruptcy probability of SCIARA CALOR is 3.4% (moderate). The 2024 annual accounts show equity of €3k and a net result of €6k. Its solvency ranks better than 14% of 36377 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

48 / 100

Fair

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency17

Growth-

Stability67

Bankruptcy probability, 12 months

3.4% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.99), and 89.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 →

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 2024

Solvency, return and age of the figures

Solvency

10.2%

Return on assets

25.3%

Age of the figures

20 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 36377 sector peers (2024).

NBB · sector comparison

Position among 36377 sector peers

Solvency

better than 14%

← weakest strongest →

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 · 1 filing

Deviation from the deadline

2024

61 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€3k

Total assets

€25k

Net result

€6k

Working capital

€-150

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €24k

52.5%

47.5%

Fixed assets €13k

Current assets €12k

Equity and liabilities €25k

10%

89.8%

Equity €3k

Debt €23k

Debt finances 89.8% of the balance-sheet total.

Key figures and ratios

2024 value

EBITDA

€12k

Cash flow

€9k

Solvency

10.2%

Current ratio

0.99

Quick ratio

0.99

Debt / equity

8.76

ROE

246.7%

ROA

25.3%

Interest coverage

34.88

Debt

€23k

Debt ≤ 1 year

€12k

Debt > 1 year

€11k

Income taxes

€2k

Filed annual accounts

As filed with the NBB · 2024

Balance sheet Code2024

Assets

Total assets20/58€25k

Formation expenses20€929

Fixed assets21/28€13k

Intangible fixed assets21€5k

Tangible fixed assets22/27€8k

Plant, machinery and equipment23€3k

Furniture and vehicles24€5k

Current assets29/58€12k

Amounts receivable within one year40/41€8k

Trade receivables40€3k

Other amounts receivable41€5k

Cash at bank and in hand54/58€3k

Deferred charges and accrued income490/1€480

Equity and liabilities

Total equity and liabilities10/49€25k

Equity10/15€3k

Contributions10/11€3k

Profit (loss) carried forward14€91

Amounts payable17/49€23k

Amounts payable after more than one year17€11k

Financial debts170/4€11k

Amounts payable within one year42/48€12k

Current portion of amounts payable after more than one year42€3k

Trade debts44€627

Suppliers440/4€627

Taxes, remuneration and social security45€2k

Taxes450/3€2k

Other amounts payable47/48€6k

Income statement Code2024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k

Other operating charges640/8€106

Gross operating margin9900€12k

Operating profit (loss)9901€9k

Financial income75/76B€23

Recurring financial income75€23

Financial charges65/66B€343

Recurring financial charges65€343

Profit (loss) for the period before taxes9903€9k

Income taxes67/77€2k

Profit (loss) for the period9904€6k

Profit (loss) for the period to be appropriated9905€6k

Appropriation of the result

Profit (loss) to be appropriated9906€6k

Profit to be distributed694/7€6k

Return on contributions (dividend)694€6k

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

NBB filing

Directors · office · real estate

Directors

1 director, no change since 2024

CASALICCHIO Beraldo

Director · since 13-05-2024

Current

13-05-2024 Appointed as Director

Location & real-estate footprint

Registered office, Seraing · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Rue de Montegnée 314101 Seraing

Ground area

731 m²

Building footprint

42 m²

Volume, LiDAR

307 m³

Parcel 62058B0067/00W003, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

SCIARA CALOR

Rue de Montegnée 31, 4101 SeraingRetail trade

since 20242.359.378.411

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62058B0067/00W003	Wallonia	731 m²	1 · 42 m²	8.5 m · 2 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

TUCON

BE 0758.848.222

Destelbergen · Eq €3k

Jan Stas CV & Sanitair

Merelbeke-Melle · Eq €3k

Of 6,989 companies in sector 43221 we hold annual accounts for 3,443. 657 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-03-2024

Fiscal year end31-12

Activities, NACEBEL

43221Plumbing work

43222Installation of electric heating, air conditioning, cooling and ventilation

46130Agents in the wholesale of timber and building materials

46150Agents in the wholesale of furniture, household goods and hardware

47527Retail trade

47529Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.