CHAUFF' ET VOUS
ActiveCHAUFF' ET VOUS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €197k and a net result of €38k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 7757 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+11
Solvency46▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.4 in 2024; short-term debt: 64.8% and cash: 9.3% of total assets), and 78.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
21.1%
Return on assets
4%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7757 sector peers (2025).
NBB · sector comparisonPosition among 7757 sector peers
Solvency
better than 22%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
50 d late
2023
19 d early
2022
13 d early
2021
74 d early
2020
92 d early
2019
9 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€38k▲ 54.4%
2024 · €24k
2018: €4k
2019: €15k
2020: €8k
2021: €26k
2022: €9k
2023: €-6k
2024: €24k
2018 → 2025
Working capital
€275k▲ 2.9%
2024 · €267k
2018: €38k
2019: €36k
2020: €74k
2021: €-16k
2022: €-75k
2023: €39k
2024: €267k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€133k-€141k▲ 6.5%€135k▼ 4.2%€160k▲ 18.0%€197k▲ 23.6%
Operating result€73k-€41k▼ 43.8%€38k▼ 7.1%€88k▲ 132%€83k▼ 5.8%
Net result€26k-€9k▼ 67.2%€-6k€24k€38k▲ 54.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €936k
Fixed assets
€55k▼ 16.6%
Current assets
€881k▼ 5.1%
Equity and liabilities €936k
Equity
€197k▲ 23.6%
Debt
€739k▼ 11.4%
The debt ratio falls from 83.9% to 78.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€105k▼
2024 · €113k
Cash flow
€59k▲
2024 · €49k
Solvency
21.1%▲
2024 · 16.1%
Current ratio
1.45▲
2024 · 1.40
Quick ratio
0.80▲
2024 · 0.77
Debt / equity
3.74▼
2024 · 5.22
ROE
19.1%▲
2024 · 15.3%
ROA
4.0%▲
2024 · 2.5%
Interest coverage
3.22▲
2024 · 2.22
Debt
€739k▼
2024 · €834k
Debt ≤ 1 year
€606k▼
2024 · €661k
Debt > 1 year
€131k▼
2024 · €171k
Income taxes
€14k▼
2024 · €15k
Staff costs
€548k▼
2024 · €858k
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€994k€936k▼
Fixed assets21/28€66k€55k▼
Intangible fixed assets21€31k€21k▼
Tangible fixed assets22/27€33k€33k▼
Plant, machinery and equipment23€14k€18k▲
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26€12k€9k▼
Financial fixed assets28€823€1k▲
Current assets29/58€928k€881k▼
Stocks and contracts in progress3€419k€394k▼
Stocks30/36€401k€379k▼
Contracts in progress37€18k€15k▼
Amounts receivable within one year40/41€471k€395k▼
Trade receivables40€465k€384k▼
Other amounts receivable41€6k€11k▲
Cash at bank and in hand54/58€28k€87k▲
Deferred charges and accrued income490/1€11k€6k▼
Equity and liabilities
Total equity and liabilities10/49€994k€936k▼
Equity10/15€160k€197k▲
Contributions10/11€32k€32k=
Reserves13€103k€103k=
Distributable reserves133€103k€103k=
Profit (loss) carried forward14€24k€62k▲
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€834k€739k▼
Amounts payable after more than one year17€171k€131k▼
Financial debts170/4€171k€131k▼
Amounts payable within one year42/48€661k€606k▼
Current portion of amounts payable after more than one year42€48k€42k▼
Financial debts43€295k€220k▼
Credit institutions430/8€295k€220k▼
Trade debts44€268k€269k▲
Suppliers440/4€268k€269k▲
Advances received on contracts in progress46-€32k
Taxes, remuneration and social security45€48k€38k▼
Taxes450/3€29k€23k▼
Remuneration and social security454/9€18k€15k▼
Other amounts payable47/48€2k€5k▲
Accrued charges and deferred income492/3€2k€990▼
Income statement
Code20242025
Remuneration, social security and pensions62€858k€548k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€22k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€801€-385▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-39k€0▲
Other operating charges640/8€16k€11k▼
Non-recurring operating charges66A€12k€0▼
Gross operating margin9900€962k€663k▼
Operating profit (loss)9901€88k€83k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€51k€33k▼
Recurring financial charges65€51k€33k▼
Profit (loss) for the period before taxes9903€40k€52k▲
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€24k€38k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€24k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€62k▲
Profit (loss) brought forward from the previous period14P-€24k
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)908714.710.9▼
The notes to these accounts (30 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €38k ▲54.4%
Net result €38k, the highest in the series.
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 50 days late
2024
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-12
Financial
Equity above €150kEq €160k ▲18%
Equity rises from €135k to €160k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-6k ▼169%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
18-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100kEq €107k ▲8.7%
3 profitable years in a row build equity to €107k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 17 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-04-2025
Hélène REICH: Resigned as Director
30-04-2025
Julien FYON: Resigned as Manager
20-12-2023
Julien FYON: Resigned as Manager
20-12-2023
REICH Hélène Edith Yves: Resigned as Manager
31-12-2022
Pierre Bernard: Resigned as Director
31-12-2021
Henri Gillet: Resigned as Director
Location & real-estate footprint
Registered office, Sprimont · 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.
Rue de la Gendarmerie(LVG) 854141 SprimontGround area
3,071 m²
Building footprint
291 m²
Volume, LiDAR
1,719 m³
Parcel 62067F0917/00M002, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Gendarmerie(LVG) 85, 4141 Sprimont
since 20112.204.608.872
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62067F0917/00M002 | Wallonia | 3,071 m² | 1 · 291 m² | 8.3 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
3 categoriesCHAUFF' ET VOUS SRL39456
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,824 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2011
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
33110Repair and maintenance of fabricated metal products
68121Development of residential building projects
68122Development of non-residential building projects
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.