B&B CONCEPT
Open bankruptcyA bankruptcy procedure is open for B&B CONCEPT according to publications in the Belgian State Gazette; curator: ISABELLE VAUSORT.
Summary
The 2024 annual accounts show equity of €22,812 and a net result of -€9,429.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Hainaut, Charleroi division
- Declared bankrupt
- 13 April 2026
- Supervising judge
- Denis Tellier
- Official Gazette
- 17-04-2026 (pdf) ↗search the document for 2026/116866
Deadlines
- Provisional date payments stopped
- 13 April 2026A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 2 May 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 13 May 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 10 June 2026Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- 13 April 2027Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Isabelle VausortRue Paul Janson 48, 6061 Montignies-Sur-Sambre- . Date provisoire de cessation de paiement : 13/04/2026isabelle.vausort@skynet.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
on the day
2022
16 d late
2021
1 d late
2020
6 d late
2019
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average on the deadline day; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the General construction of residential buildings sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€22,812▼ 29.2%
2023 · €32,241
Total assets
€34,042▼ 34.3%
2023 · €51,852
Net result
-€9,429
2023 · €794
Working capital
€22,461▼ 30.3%
2023 · €32,241
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€853▲ 202%€19,533▲ 2,190%€3,256▼ 83.3%€5,420▲ 66.5%-€7,826
Net result€786within the sector's middle half▲ 259%€18,877within the sector's middle half▲ 2,301%€2,815within the sector's middle half▼ 85.1%€794within the sector's middle half▼ 71.8%-€9,429below the sector's middle half
Equity€8,755below the sector's middle half▲ 36.4%€28,632within the sector's middle half▲ 227%€31,448within the sector's middle half▲ 9.8%€32,241within the sector's middle half▲ 2.5%€22,812within the sector's middle half▼ 29.2%
Total assets€11,115below the sector's middle half▼ 28.8%€39,024below the sector's middle half▲ 251%€58,928within the sector's middle half▲ 51.0%€51,852below the sector's middle half▼ 12.0%€34,042below the sector's middle half▼ 34.3%
Debt€2,360▼ 74.3%€10,392▲ 340%€27,480▲ 164%€19,611▼ 28.6%€11,230▼ 42.7%
Working capital€7,945within the sector's middle half▲ 48.8%€28,092within the sector's middle half▲ 254%€31,178within the sector's middle half▲ 11.0%€32,241within the sector's middle half▲ 3.4%€22,461within the sector's middle half▼ 30.3%
Solvency78.8%above the sector's middle half▲ 37.7pp73.4%above the sector's middle half▼ 5.4pp53.4%within the sector's middle half▼ 20.0pp62.2%within the sector's middle half▲ 8.8pp67.0%above the sector's middle half▲ 4.8pp
Current ratio4.37above the sector's middle half▲ 2.793.70above the sector's middle half▼ 0.662.13within the sector's middle half▼ 1.572.64within the sector's middle half▲ 0.513.03above the sector's middle half▲ 0.38
Return on assets (ROA)7.1%within the sector's middle half▲ 5.7pp48.4%above the sector's middle half▲ 41.3pp4.8%within the sector's middle half▼ 43.6pp1.5%within the sector's middle half▼ 3.2pp-27.7%below the sector's middle half▼ 29.2pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €7,826 after €5,420 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €34,042
Fixed assets
€506
Current assets
€33,536
Equity and liabilities €34,042
Equity
€22,812 ▼ 29.2%
Debt
€11,230 ▼ 42.7%
Debt's share of the balance-sheet total falls from 37.8% to 33.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€7,573▼
2023 · €5,690
Cash flow
-€9,177▼
2023 · €1,064
Quick ratio
0.84▲
2023 · 0.82
Debt to equity
0.49▼
2023 · 0.61
ROE
-41.3%▼
2023 · 2.5%
Interest coverage
-8.14▼
2023 · 5.90
Debt ≤ 1 year
€11,076▼
2023 · €19,611
Debt > 1 year
€154
Income taxes
€674▼
2023 · €3,662
Staff costs
€151
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €10,714 | - | €151 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €270 | €270 | €270 | €270 | €253 | ▼ 6.4% |
| Other operating charges640/8 | - | - | €386 | €128 | €42 | ▼ 67.1% |
| Gross operating margin9900 | €1,176 | €19,803 | €14,625 | €5,817 | -€7,380 | ▼ 227% |
| Operating profit (loss)9901 | €853 | €19,533 | €3,256 | €5,420 | -€7,826 | ▼ 244% |
| Financial charges65/66B | - | €615 | €440 | €964 | €930 | ▼ 3.5% |
| Recurring financial charges65 | €67 | €615 | €440 | €964 | €930 | ▼ 3.5% |
| Profit (loss) for the period before taxes9903 | €786 | €18,919 | €2,815 | €4,456 | -€8,755 | ▼ 296% |
| Income taxes67/77 | - | €42 | - | €3,662 | €674 | ▼ 81.6% |
| Profit (loss) for the period9904 | €786 | €18,877 | €2,815 | €794 | -€9,429 | ▼ 1,288% |
| Profit (loss) for the period to be appropriated9905 | €786 | €18,877 | €2,815 | €794 | -€9,429 | ▼ 1,288% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €11,115 | €39,024 | €58,928 | €51,852 | €34,042 | ▼ 34.3% |
| Fixed assets21/28 | €810 | €540 | €270 | - | €506 | - |
| Tangible fixed assets22/27 | €810 | €540 | €270 | - | €506 | - |
| Plant, machinery and equipment23 | - | €540 | €270 | - | - | - |
| Furniture and vehicles24 | - | - | - | - | €506 | - |
| Current assets29/58 | €10,305 | €38,484 | €58,658 | €51,852 | €33,536 | ▼ 35.3% |
| Stocks and contracts in progress3 | - | - | €24,230 | €35,800 | €24,222 | ▼ 32.3% |
| Stocks30/36 | - | - | €24,230 | €35,800 | €24,222 | ▼ 32.3% |
| Amounts receivable within one year40/41 | €9,849 | €6,121 | €33,993 | €16,005 | €8,987 | ▼ 43.8% |
| Trade receivables40 | - | - | €25,822 | €14,862 | €4,880 | ▼ 67.2% |
| Other amounts receivable41 | - | €6,121 | €8,171 | €1,142 | €4,108 | ▲ 260% |
| Cash at bank and in hand54/58 | €456 | €32,363 | €393 | €6 | €327 | ▲ 5,843% |
| Deferred charges and accrued income490/1 | - | - | €42 | €42 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €11,115 | €39,024 | €58,928 | €51,852 | €34,042 | ▼ 34.3% |
| Equity10/15 | €8,755 | €28,632 | €31,448 | €32,241 | €22,812 | ▼ 29.2% |
| Contributions10/11 | - | €8,750 | €8,750 | €8,750 | €8,750 | = |
| Outside capital11 | - | €8,750 | €8,750 | €8,750 | €8,750 | = |
| Other1109/19 | - | €8,750 | €8,750 | €8,750 | €8,750 | = |
| Reserves13 | €11 | €11 | €11 | €11 | €11 | = |
| Non-distributable reserves130/1 | - | €11 | €11 | €11 | €11 | = |
| Reserves not available under the articles1311 | - | €11 | €11 | €11 | €11 | = |
| Profit (loss) carried forward14 | €994 | €19,871 | €22,687 | €23,480 | €14,051 | ▼ 40.2% |
| Amounts payable17/49 | €2,360 | €10,392 | €27,480 | €19,611 | €11,230 | ▼ 42.7% |
| Amounts payable after more than one year17 | - | - | - | - | €154 | - |
| Financial debts170/4 | - | - | - | - | €154 | - |
| Amounts payable within one year42/48 | €2,360 | €10,392 | €27,480 | €19,611 | €11,076 | ▼ 43.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €432 | - |
| Trade debts44 | €2,360 | €8,089 | €25,133 | €14,980 | €7,686 | ▼ 48.7% |
| Suppliers440/4 | - | €8,089 | €25,133 | €14,980 | €7,686 | ▼ 48.7% |
| Taxes, remuneration and social security45 | - | €2,303 | €2,347 | €4,631 | €2,958 | ▼ 36.1% |
| Taxes450/3 | - | €2,303 | €2,347 | €4,631 | €2,958 | ▼ 36.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €786 | €18,877 | €2,815 | €794 | -€9,429 | ▼ 1,288% |
| + Depreciation and write-downs630 | €270 | €270 | €270 | €270 | €253 | ▼ 6.4% |
| Operating cash flow (approximation) | €1,056 | €19,147 | €3,085 | €1,064 | -€9,177 | ▼ 963% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €31,907 | -€31,970 | -€388 | €322 | ▲ 183% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
17-04
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · event 13-04-2026
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€9,429
Net result drops to -€9,429, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Highest result since 2019net €18,877 ▲2,301%
Operating result €19,533, net result €18,877, both a record.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 4.37
Current ratio from 1.58 to 4.37; short-term debt falls from €9,195 to €2,360.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Charleroi · 1 establishment unit since 2019
Ground area
2,671 m²
Building footprint
325 m²
Volume, LiDAR
904 m³
2 parcels, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
B&B CONCEPT
since 20192.284.402.359
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52382A0208/00K002 | Wallonia | 1,568 m² | 1 · 74 m² | 13.5 m · 4 fl. |
| 52049B0250/00A003 | Wallonia | 1,103 m² | 1 · 251 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | ISABELLE VAUSORT RUE PAUL JANSON 48,
6061 MONTIGNIES-SUR-SAMBRE- .
Date provisoire de cessation de paiement : 13/04/2026 |
13-04-2026 → present |
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Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 11,865 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded22-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Contact
Phone
0489531654Charleroi
E-invoicing
Reachable via Peppol
Peppol ID
0208:0718977361
Also
9925:BE0718977361
Registered
22-12-2025
The company is no longer active; its Peppol card can remain until its access point withdraws it.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.