B.E.D.E.
Open bankruptcyA bankruptcy procedure is open for B.E.D.E. according to publications in the Belgian State Gazette; curator: JEAN BAIVIER. The 2020 annual accounts show equity of €88k and a net result of €8k.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2020 was due by 31-07-2021 and was filed on 27-09-2021, 58 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
not filed
2020
58 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2020, micro schema
Equity
€88k▲ 9.7%
2019 · €80k
2018: €84k
2019: €80k
2018 → 2020
Total assets
€246k▲ 14.6%
2019 · €215k
2018: €185k
2019: €215k
2018 → 2020
Net result
€8k
2019 · €-4k
2018: €-8k
2019: €-4k
2018 → 2020
Working capital
€59k▲ 45.3%
2019 · €40k
2018: €53k
2019: €40k
2018 → 2020
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line201820192020Trend
Equity€84k-€80k▼ 5.1%€88k▲ 9.7%
Operating result€-6k-€-2k▲ 59.3%€10k
Net result€-8k-€-4k▲ 43.5%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2020: €10k after a loss of €2k in 2019, the highest year so far.
Balance-sheet composition
2020 in colour, 2019 as the grey bar beneath
Assets €246k
Fixed assets
€75k▼ 11.4%
Current assets
€171k▲ 31.6%
Equity and liabilities €246k
Equity
€88k▲ 9.7%
Debt
€158k▲ 17.5%
The debt ratio rises from 62.7% to 64.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€33k▲
2019 · €17k
Cash flow
€31k▲
2019 · €15k
Solvency
35.7%▼
2019 · 37.3%
Current ratio
1.52▲
2019 · 1.45
Quick ratio
1.50▲
2019 · 1.41
Debt / equity
0.11▼
2019 · 0.27
ROE
8.8%▲
2019 · -5.4%
ROA
3.1%▲
2019 · -2.0%
Debt
€158k▲
2019 · €135k
Debt ≤ 1 year
€112k▲
2019 · €89k
Debt > 1 year
€9k▼
2019 · €22k
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 · 2020 against 2019
Balance sheet
Code20192020
Assets
Total assets20/58€215k€246k▲
Fixed assets21/28€85k€75k▼
Tangible fixed assets22/27€85k€75k▼
Current assets29/58€130k€171k▲
Stocks and contracts in progress3€3k€3k▼
Amounts receivable within one year40/41€108k€71k▼
Cash at bank and in hand54/58€17k€2k▼
Equity and liabilities
Total equity and liabilities10/49€215k€246k▲
Equity10/15€80k€88k▲
Contributions10/11€12k-
Reserves13€4k€4k=
Profit (loss) carried forward14€63k€71k▲
Amounts payable17/49€135k€158k▲
Amounts payable after more than one year17€22k€9k▼
Amounts payable within one year42/48€89k€112k▲
Trade debts44€46k€79k▲
Income statement
Code20192020
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€23k▲
Gross operating margin9900€107k€83k▼
Operating profit (loss)9901€-2k€10k▲
Recurring financial income75€67€18▼
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-4k€8k▲
Income taxes67/77€-7-
Profit (loss) for the period9904€-4k€8k▲
Profit (loss) for the period to be appropriated9905€-4k€8k▲
Timeline · acts, filings and financial milestones
2023
13-10
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Liège · B.E.D.E. SRL GRAND PLACE 17, 4800 VERVIERS · event 09-10-2023
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
16-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 77 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
2015
24-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 24 days late
2014
31-07
NBB filing
Annual accounts filed
fiscal year 2013 · full schema
2012
06-12
NBB filing
Annual accounts filed
fiscal year 2011 · full schema · 128 days late
2011
29-09
NBB filing
Annual accounts filed
fiscal year 2010 · full schema · 60 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2022
Gonzales Paul
CurrentManager · since 30-06-2022
30-06-2022
Gonzales Paul: Appointed as Manager
30-06-2022
Van Acker Raphaël: Resigned as Manager
Location & real-estate footprint
Registered office, Verviers · 3 establishment units since 2002
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.
Grand Place 174800 VerviersGround area
402 m²
Building footprint
230 m²
Volume, LiDAR
1,101 m³
3 parcels, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
LE CENTRAL
since 20022.098.879.367
Les Trois Billes
since 20182.281.293.114
aux baroudeurs
since 20212.319.640.974
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63076B1024/00Z000 | Wallonia | 167 m² | 1 · 45 m² | 12.1 m · 4 fl. |
| 63022A0275/00C000 | Wallonia | 148 m² | 1 · 127 m² | - |
| 63022A0414/00_000 | Wallonia | 86 m² | 1 · 58 m² | 13.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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 | JEAN BAIVIER RUE DES MARTYRS, 38,
4800 VERVIERS |
09-10-2023 → present |
Recognitions · licences · registrations
Food safety, FASFC
1 siteVerviers2.281.293.114
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Of 13,834 companies in sector 56301 we hold annual accounts for 4,807. 3,729 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-01-2002
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.