CHALEUR CONCEPT
ActiveCHALEUR CONCEPT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €17k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 74% of 2029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+8
Solvency88▲+5
Growth48▲+4
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.58 against 1.91 in 2024; short-term debt: 37.1% and cash: 62% of total assets), and 37.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
62.9%
Return on assets
19.1%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
51 d early
2024
30 d early
2023
1 d early
2022
1 d late
2021
24 d early
2020
12 d late
2019
18 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€351k▲ 21.7%
2024 · €288k
2019: €319k
2020: €248k
2021: €264k
2022: €288k
2023: €255k
2024: €288k
2019 → 2025
EBIT margin
7.0%▲ 3.7pp
2024 · 3.3%
2019: 10.8%
2020: 2.2%
2021: -0.5%
2022: 3.5%
2023: -5.5%
2024: 3.3%
2019 → 2025
Net result
€17k▲ 148%
2024 · €7k
2019: €27k
2020: €3k
2021: €-4k
2022: €4k
2023: €-16k
2024: €7k
2019 → 2025
Working capital
€53k▲ 107%
2024 · €25k
2019: €-53k
2020: €2k
2021: €-4k
2022: €5k
2023: €5k
2024: €25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€264k-€288k▲ 9.3%€255k▼ 11.6%€288k▲ 13.2%€351k▲ 21.7%
Equity€32k-€36k▲ 14.0%€32k▼ 10.8%€39k▲ 21.4%€56k▲ 43.6%
Operating result€-1k-€10k€-14k€10k€25k▲ 157%
Net result€-4k-€4k€-16k€7k€17k▲ 148%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 157% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€4k▼ 75.0%
Current assets
€86k▲ 61.0%
Equity and liabilities €89k
Equity
€56k▲ 43.6%
Debt
€33k▲ 15.2%
The debt ratio falls from 42.4% to 37.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▲
2024 · €30k
Cash flow
€30k▲
2024 · €27k
Solvency
62.9%▲
2024 · 57.6%
Current ratio
2.58▲
2024 · 1.91
Quick ratio
2.58▲
2024 · 1.91
Debt / equity
0.59▼
2024 · 0.74
ROE
30.4%▲
2024 · 17.6%
ROA
19.1%▲
2024 · 10.1%
Interest coverage
85.89▲
2024 · 15.83
Debt
€33k▲
2024 · €29k
Debt ≤ 1 year
€33k▲
2024 · €28k
Income taxes
€7k▲
2024 · €869
Staff costs
€52k▲
2024 · €47k
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€68k€89k▲
Fixed assets21/28€15k€4k▼
Intangible fixed assets21€7k-
Tangible fixed assets22/27€8k€4k▼
Land and buildings22€1k€900▼
Plant, machinery and equipment23€950€1k▲
Furniture and vehicles24€846€1k▲
Leasing and similar rights25€5k€365▼
Current assets29/58€53k€86k▲
Amounts receivable within one year40/41€28k€30k▲
Trade receivables40€20k€18k▼
Other amounts receivable41€8k€12k▲
Cash at bank and in hand54/58€23k€55k▲
Deferred charges and accrued income490/1€3k€724▼
Equity and liabilities
Total equity and liabilities10/49€68k€89k▲
Equity10/15€39k€56k▲
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€29k€46k▲
Distributable reserves133€29k€46k▲
Profit (loss) carried forward14€-11k€-11k▲
Amounts payable17/49€29k€33k▲
Amounts payable after more than one year17€888-
Financial debts170/4€888-
Amounts payable within one year42/48€28k€33k▲
Current portion of amounts payable after more than one year42€6k€889▼
Trade debts44€21k€28k▲
Suppliers440/4€21k€28k▲
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€498€4k▲
Remuneration and social security454/9€765€15▼
Income statement
Code20242025
Turnover70€288k€351k▲
Goods, raw materials, services and sundry goods60/61€208k€259k▲
Remuneration, social security and pensions62€47k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€13k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€81k€92k▲
Operating profit (loss)9901€10k€25k▲
Financial income75/76B€1€61▲
Recurring financial income75€1€61▲
Financial charges65/66B€2k€440▼
Recurring financial charges65€2k€440▼
Profit (loss) for the period before taxes9903€8k€24k▲
Income taxes67/77€869€7k▲
Profit (loss) for the period9904€7k€17k▲
Profit (loss) for the period to be appropriated9905€7k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€6k▲
Profit (loss) brought forward from the previous period14P€-11k€-11k=
Transfer to equity691/2€7k€17k▲
To other reserves6921€7k€17k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (8 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
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-16k ▼468%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 1 day late
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 12 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 1.04
Current ratio from 0.39 to 1.04; short-term debt falls from €86k to €41k.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Donceel · 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.
Rue Tombeux 614357 DonceelGround area
1,276 m²
Building footprint
194 m²
Volume, LiDAR
968 m³
Parcel 64033A0037/00K000, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHALEUR CONCEPT
since 20182.279.450.906
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64033A0037/00K000 | Wallonia | 1,276 m² | 1 · 194 m² | 6.7 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.
Recognitions · licences · registrations
Recognised contractor
6 categoriesCHALEUR CONCEPT SRL39594
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Of 7,036 companies in sector 43221 we hold annual accounts for 3,468. 2,985 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2018
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.