TAFFAREL Christophe

Active

Private limited companyfounded 2020active for 6 yearsRue de Monin, Achet 54B, 5362 Hamois, BelgiumKBO/BCE: BE 0755.436.196

Summary

The computed 12-month bankruptcy probability of TAFFAREL Christophe is 2.1% (moderate). The 2025 annual accounts show equity of €26,411 and a net result of -€18,489. Equity remains stable across the filed financial years (±0.6% per year). Its solvency ranks better than 17% of 34,718 sector peers (NACE 43, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

TAFFAREL ChristopheActiveChecked score 51/100

Risk analysis Report Compare

Activity

Plumbing work

NACE 43221Installation of electric heating, air conditioning, cooling and ventilation NACE 43222

1 site

Size

€178,460total assets 2025

Staff: 5.2 FTE
Equity: €26,411
Loss: -€18,489

Turnover not published (micro format)

Financial health

51 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 2.1%

Structure

Marvyn LALOUXDirector

2025 accounts on time1 of 2 deeds summarised

Why 51raises riskFounded in 2020Sector: Specialised construction activities (NACE 43)Loss of €18,489 (financial year 2025)Liquidity: current ratio 1.65, cash €6,966Show the evidence

Checked score

Score 2025

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 13% of its sector peers (NACE 43, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 40-6

equity 14.8% of total assets

Liquidity 25-8

short-term debt 57.4% · cash 3.9%

Profitability 7-72

return on assets -10.4%

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,640 companies, NACE 43, micro)

Last 24 months 11-2024: 1.7% 12-2024: 1.7%● unchanged vs 11-2024 01-2025: 1.8%▲ +0.1 percentage points vs 12-2024 02-2025: 1.9%▲ +0.1 percentage points vs 01-2025 03-2025: 2.0%▲ +0.1 percentage points vs 02-2025 04-2025: 2.1%▲ +0.1 percentage points vs 03-2025 05-2025: 1.5%▼ -0.6 percentage points vs 04-2025 06-2025: 1.5%● unchanged vs 05-2025 07-2025: 1.5%● unchanged vs 06-2025 08-2025: 1.5%● unchanged vs 07-2025 09-2025: 1.5%● unchanged vs 08-2025 10-2025: 1.4%▼ -0.1 percentage points vs 09-2025 11-2025: 1.5%▲ +0.1 percentage points vs 10-2025 12-2025: 1.4%▼ -0.1 percentage points vs 11-2025lowest value 01-2026: 1.5%▲ +0.1 percentage points vs 12-2025 02-2026: 1.6%▲ +0.1 percentage points vs 01-2026 03-2026: 1.6%● unchanged vs 02-2026 04-2026: 1.7%▲ +0.1 percentage points vs 03-2026 05-2026: 2.1%▲ +0.4 percentage points vs 04-2026 06-2026: 2.1%● unchanged vs 05-2026 07-2026: 2.1%● unchanged vs 06-2026 08-2026: 2.1%● unchanged vs 07-2026 09-2026: 2.1%● unchanged vs 08-2026highest value 10-2026: 2.1%● unchanged vs 09-2026

Credit of up to €1,000 on 30-day terms is acceptable

Liquidity ample (current ratio 1.65, compared with 1.97 in 2024, above the usual 1.5; short-term debt: 57.4% and cash: 3.9% of total assets), but 85.2% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 17% on solvency, 15% on liquidity, 10% on profitability and 11% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

raises riskneutral

Founded in 2020

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Sector: Specialised construction activities (NACE 43)

KBO

Loss of €18,489 (financial year 2025)

NBB · annual accounts

Liquidity: current ratio 1.65, cash €6,966

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 34718 sector peers (2025).

NBB · sector comparison

Position among 34718 sector peers

Solvency

better than 17%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

on the day

2024

1 day early

2023

on the day

2022

2 days early

2021

1 day early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 1 day before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 29 April (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-09-2026 year end27-10-2026 today30-04-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-04-2026 Annual accounts filedfinancial year 2025 · micro…
30-09-2025 Weakest financial yearnet -€18,489
29-04-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Caution: From profit to loss in 2025after €34,703 in 2024 -€18,489 View
Caution: Among the weakest 8% on net resultsector median €10,244 · 34,705 companies -€18,489 View
Positive: Always filed on timeaccounts within the deadline every year 5 years View

By topic

Financials

Financial year: 2025
Total assets: €178,460
Loss: -€18,489
Solvency: 14.8%

Total assets▼ 16.0%

Net result

20212025

Go to Financials

Board & ownership

Board: 1 member

Marvyn LALOUXDirector

Go to Board & ownership

Timeline

Events: 8
Since: 2022
Next accounts: by 30-04-2027

30-09-2024Back to profit
30-04-2024Annual accounts filed
11-10-2023Appointment: Marvyn LALOUX (director)

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Plumbing workNACE 43221
Founded: 30-09-2020
Year ends: 30-09
Peppol: Reachable for e-invoices

Go to Company details

Key facts about TAFFAREL Christophe

What is the company number of TAFFAREL Christophe?: 0755.436.196. In Belgium the VAT number is the company number with BE in front: BE 0755.436.196.
Where is TAFFAREL Christophe based?: The registered office is at Rue de Monin, Achet 54B, 5362 Hamois.Company details
What does TAFFAREL Christophe do?: According to the KBO register, the main activity is plumbing work (NACE 43221).
What is the legal form of TAFFAREL Christophe?: Private limited company (BV).
When was TAFFAREL Christophe founded?: On 30-09-2020.
Is TAFFAREL Christophe still active?: Yes, TAFFAREL Christophe is an active enterprise in the KBO register.
How many employees does TAFFAREL Christophe have?: On average 5.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of TAFFAREL Christophe?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is TAFFAREL Christophe profitable?: In financial year 2025, TAFFAREL Christophe made a loss of €18,489.
Where can I find the annual accounts of TAFFAREL Christophe?: TAFFAREL Christophe filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of TAFFAREL Christophe due?: By 30-04-2027, for financial year 2026.Timeline