STOCK 105
ActiveSTOCK 105 has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €11k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46=
Solvency57▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.57 in 2024; short-term debt: 67% and cash: 8.9% of total assets), and 67.6% 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 · 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
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
32.4%
Return on assets
4.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-10-2025, 102 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
102 d early
2024
3 d early
2023
2 d early
2022
1 d early
2021
on the day
2020
1 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▲ 16.9%
2024 · €66k
2019: €21k
2020: €35k
2021: €40k
2022: €48k
2023: €57k
2024: €66k
2019 → 2025
Total assets
€239k▲ 3.2%
2024 · €231k
2019: €149k
2020: €247k
2021: €203k
2022: €241k
2023: €232k
2024: €231k
2019 → 2025
Net result
€11k▲ 26.8%
2024 · €9k
2019: €15k
2020: €14k
2021: €5k
2022: €8k
2023: €10k
2024: €9k
2019 → 2025
Working capital
€72k▼ 14.8%
2024 · €84k
2019: €20k
2020: €37k
2021: €40k
2022: €45k
2023: €55k
2024: €84k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€48k▲ 19.1%€57k▲ 20.0%€66k▲ 15.3%€77k▲ 16.9%
Operating result€21k-€15k▼ 29.7%€19k▲ 29.3%€20k▲ 2.5%€28k▲ 39.4%
Net result€5k-€8k▲ 59.8%€10k▲ 24.5%€9k▼ 8.0%€11k▲ 26.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239k
Fixed assets
€7k▲ 506%
Current assets
€232k▲ 0.6%
Equity and liabilities €239k
Equity
€77k▲ 16.9%
Debt
€162k▼ 2.3%
The debt ratio falls from 71.4% to 67.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▲
2024 · €21k
Cash flow
€17k▲
2024 · €10k
Solvency
32.4%▲
2024 · 28.6%
Current ratio
1.45▼
2024 · 1.57
Quick ratio
0.93▲
2024 · 0.91
Debt / equity
2.09▼
2024 · 2.50
ROE
14.4%▲
2024 · 13.3%
ROA
4.7%▲
2024 · 3.8%
Interest coverage
2.59▼
2024 · 2.72
Debt
€162k▼
2024 · €165k
Debt ≤ 1 year
€160k▲
2024 · €146k
Debt > 1 year
€1k▼
2024 · €19k
Income taxes
€4k▲
2024 · €3k
Staff costs
€47k▼
2024 · €108k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€231k€239k▲
Fixed assets21/28€1k€7k▲
Tangible fixed assets22/27€1k€7k▲
Plant, machinery and equipment23€787€349▼
Furniture and vehicles24€419€7k▲
Current assets29/58€230k€232k▲
Stocks and contracts in progress3€98k€82k▼
Stocks30/36€98k€82k▼
Amounts receivable within one year40/41€127k€128k▲
Trade receivables40€101k€77k▼
Other amounts receivable41€26k€51k▲
Cash at bank and in hand54/58€6k€21k▲
Equity and liabilities
Total equity and liabilities10/49€231k€239k▲
Equity10/15€66k€77k▲
Contributions10/11€6k€6k=
Reserves13€60k€71k▲
Distributable reserves133€60k€71k▲
Amounts payable17/49€165k€162k▼
Amounts payable after more than one year17€19k€1k▼
Financial debts170/4€19k€1k▼
Amounts payable within one year42/48€146k€160k▲
Current portion of amounts payable after more than one year42€18k€17k▼
Financial debts43€40k€40k=
Credit institutions430/8€40k€40k=
Trade debts44€39k€88k▲
Suppliers440/4€39k€88k▲
Advances received on contracts in progress46€12k€0▼
Taxes, remuneration and social security45€16k€9k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€12k€4k▼
Other amounts payable47/48€22k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€108k€47k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€6k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8€16k€4k▼
Gross operating margin9900€145k€90k▼
Operating profit (loss)9901€20k€28k▲
Financial income75/76B€15€78▲
Recurring financial income75€15€78▲
Financial charges65/66B€8k€13k▲
Recurring financial charges65€8k€13k▲
Profit (loss) for the period before taxes9903€12k€15k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€9k€11k▲
Profit (loss) for the period to be appropriated9905€9k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€11k▲
Transfer to equity691/2€9k€11k▲
To other reserves6921€9k€11k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €5k ▼66.1%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Katelijne-Waver · 1 establishment unit since 2018
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.
Dreefvelden 322860 Sint-Katelijne-WaverGround area
3,487 m²
Building footprint
1,064 m²
Volume, LiDAR
6,077 m³
Parcel 12035B0608/00M000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STOCK 105
since 20182.279.534.147
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035B0608/00M000 | Flanders | 3,487 m² | 1 · 1,064 m² | 6.4 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.
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MM CHAUFFE
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TEN BELLINCK
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TI-JO TECHNICS
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,831 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2018
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
46836Wholesale trade
46842Wholesale trade
47527Retail trade
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress 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.