BELDIS
Open bankruptcyA bankruptcy procedure is open for BELDIS according to publications in the Belgian State Gazette; curator: PHILIPPE-ROBERT SCHREDER.
Summary
The 2024 annual accounts show negative equity (-€135,611) and a net result of -€292,748.
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
- 15 December 2025
- Supervising judge
- Patrick Fautre
- Official Gazette
- 22-12-2025 (pdf) ↗search the document for 2025/153247
Deadlines
- Provisional date payments stopped
- 15 December 2025A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 6 January 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 14 January 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 11 February 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
- 15 December 2026Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Philippe-Robert SchrederChaussee De Montigny, 89/A, 6060 Gilly (Charleroi)- . Date provisoire de cessation de paiement : 15/12/2025pr.schreder@avocat.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 · Filed after the deadline
The financial year that closed on 31-01-2024 was due by 31-08-2024 and was filed on 30-09-2024, 30 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 · 9 filingsDeviation from the deadline
2024
30 d late
2022
45 d early
2021
11 d early
2020
40 d early
2019
30 d early
2018
37 d early
2017
5 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 20 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 Are there other customers at risk in your own list?List enrichment How is the Other non-specialised retail sale sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€292,748▼ 1,991%
2022 · -€14,003
Working capital
-€231,472▼ 37,174%
2022 · -€621
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20192020202120222024
Operating result€29,247▲ 42.0%€11,550▼ 60.5%€28,887▲ 150%€4,819▼ 83.3%-€251,608-
Net result€6,398▲ 3,454%-€7,949below the sector's middle half€8,317within the sector's middle half-€14,003below the sector's middle half-€292,748below the sector's middle half-
Equity€95,772▲ 7.2%€87,823within the sector's middle half▼ 8.3%€96,140within the sector's middle half▲ 9.5%€82,137within the sector's middle half▼ 14.6%-€135,611below the sector's middle half-
Total assets€846,078▼ 7.4%€890,475within the sector's middle half▲ 5.2%€814,611within the sector's middle half▼ 8.5%€841,697within the sector's middle half▲ 3.3%€1.2mwithin the sector's middle half-
Debt€750,306▼ 9.0%€802,652▲ 7.0%€718,471▼ 10.5%€759,560▲ 5.7%€1.3m-
Working capital-€63,491▲ 39.4%-€39,529below the sector's middle half▲ 37.7%-€3,092below the sector's middle half▲ 92.2%-€621within the sector's middle half▲ 79.9%-€231,472below the sector's middle half-
Solvency11.3%▲ 1.5pp9.9%below the sector's middle half▼ 1.5pp11.8%below the sector's middle half▲ 1.9pp9.8%below the sector's middle half▼ 2.0pp-11.2%below the sector's middle half-
Current ratio0.91▲ 0.050.95below the sector's middle half▲ 0.041.00below the sector's middle half▲ 0.051.00within the sector's middle half=0.78below the sector's middle half-
Return on assets (ROA)0.8%▲ 0.7pp-0.9%below the sector's middle half▼ 1.6pp1.0%within the sector's middle half▲ 1.9pp-1.7%below the sector's middle half▼ 2.7pp-24.2%below the sector's middle half-
Staff (FTE)18.4▼ 3.2%18.9above the sector's middle half▲ 2.7%18.5above the sector's middle half▼ 2.1%18.9above the sector's middle half▲ 2.2%18.7above the sector's middle half-
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result is -€251,608 in 2024, compared with €4,819 in 2022. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2024 in colour, 2022 as the grey bar beneath
Assets €1.2m
Fixed assets
€402,770 ▲ 105%
Current assets
€808,976 ▲ 25.4%
Key figures and ratios
EBITDA
-€203,463▼
2022 · €72,379
Cash flow
-€244,603▼
2022 · €53,557
Quick ratio
0.40▲
2022 · 0.37
Debt to equity
-9.94▼
2022 · 9.25
Interest coverage
-4.99▼
2022 · 3.63
Debt ≤ 1 year
€1.0m▲
2022 · €645,570
Debt > 1 year
€272,203▲
2022 · €94,051
Income taxes
€443▲
2022 · -€1,116
Staff costs
€721,963▲
2022 · €650,108
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €686,968 | €650,108 | €721,963 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €91,221 | €80,393 | €57,086 | €67,560 | €48,145 | - |
| Other operating charges640/8 | - | - | €7,839 | €8,395 | €7,687 | - |
| Gross operating margin9900 | €789,808 | €793,180 | €780,780 | €730,882 | €526,187 | - |
| Operating profit (loss)9901 | €29,247 | €11,550 | €28,887 | €4,819 | -€251,608 | - |
| Financial income75/76B | - | - | €60 | €16 | €111 | - |
| Recurring financial income75 | €141 | €94 | €60 | €16 | €111 | - |
| Financial charges65/66B | - | - | €18,481 | €19,954 | €40,808 | - |
| Recurring financial charges65 | €16,853 | €18,904 | €18,481 | €19,954 | €40,808 | - |
| Profit (loss) for the period before taxes9903 | €12,535 | -€7,260 | €10,466 | -€15,119 | -€292,304 | - |
| Income taxes67/77 | €6,137 | €689 | €2,149 | -€1,116 | €443 | - |
| Profit (loss) for the period9904 | €6,398 | -€7,949 | €8,317 | -€14,003 | -€292,748 | - |
| Profit (loss) for the period to be appropriated9905 | €5,427 | -€7,949 | €8,317 | -€14,003 | -€292,748 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €846,078 | €890,475 | €814,611 | €841,697 | €1.2m | - |
| Fixed assets21/28 | €193,401 | €143,729 | €112,107 | €196,748 | €402,770 | - |
| Intangible fixed assets21 | - | - | €0 | - | - | - |
| Tangible fixed assets22/27 | €193,153 | €143,481 | €111,859 | €196,500 | €399,815 | - |
| Plant, machinery and equipment23 | - | - | €39,155 | €161,765 | €376,436 | - |
| Furniture and vehicles24 | - | - | €19,573 | €3,077 | - | - |
| Other tangible fixed assets26 | - | - | €53,131 | €31,658 | €23,380 | - |
| Financial fixed assets28 | €248 | €248 | €248 | €248 | €2,955 | - |
| Current assets29/58 | €652,677 | €746,746 | €702,504 | €644,949 | €808,976 | - |
| Stocks and contracts in progress3 | €397,700 | €403,449 | €394,361 | €404,672 | €394,217 | - |
| Stocks30/36 | - | - | €394,361 | €404,672 | €394,217 | - |
| Amounts receivable within one year40/41 | €27,596 | €65,227 | €132,821 | €34,329 | €67,601 | - |
| Trade receivables40 | - | - | €31,612 | €11,238 | €24,982 | - |
| Other amounts receivable41 | - | - | €101,209 | €23,091 | €42,619 | - |
| Current investments50/53 | €7 | €7 | €7 | €7 | - | - |
| Cash at bank and in hand54/58 | €93,316 | €184,572 | €122,069 | €157,204 | €231,905 | - |
| Deferred charges and accrued income490/1 | - | - | €53,246 | €48,737 | €115,253 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €846,078 | €890,475 | €814,611 | €841,697 | €1.2m | - |
| Equity10/15 | €95,772 | €87,823 | €96,140 | €82,137 | -€135,611 | - |
| Contributions10/11 | €123,947 | €123,947 | €123,947 | €123,947 | €198,947 | - |
| Capital10 | - | - | €123,947 | €123,947 | - | - |
| Issued capital100 | - | - | €123,947 | €123,947 | - | - |
| Reserves13 | €17,399 | €17,399 | €17,399 | €17,399 | €17,400 | - |
| Non-distributable reserves130/1 | - | - | €5,770 | €5,770 | - | - |
| Legal reserve130 | - | - | €5,770 | €5,770 | - | - |
| Tax-exempt reserves132 | - | - | €11,629 | €11,629 | €11,629 | - |
| Distributable reserves133 | - | - | - | - | €5,771 | - |
| Profit (loss) carried forward14 | -€45,574 | -€53,523 | -€45,206 | -€59,209 | -€351,957 | - |
| Amounts payable17/49 | €750,306 | €802,652 | €718,471 | €759,560 | €1.3m | - |
| Amounts payable after more than one year17 | €27,277 | - | - | €94,051 | €272,203 | - |
| Financial debts170/4 | - | - | - | €94,051 | €272,203 | - |
| Amounts payable within one year42/48 | €716,168 | €786,275 | €705,596 | €645,570 | €1.0m | - |
| Current portion of amounts payable after more than one year42 | - | - | - | €26,606 | €65,813 | - |
| Trade debts44 | €531,796 | €639,479 | €572,122 | €519,722 | €906,097 | - |
| Suppliers440/4 | - | - | €572,122 | €519,722 | €906,097 | - |
| Taxes, remuneration and social security45 | - | - | €133,474 | €99,242 | €68,300 | - |
| Taxes450/3 | - | - | €20,238 | €20,215 | €294 | - |
| Remuneration and social security454/9 | - | - | €113,236 | €79,027 | €68,006 | - |
| Other amounts payable47/48 | - | - | - | - | €239 | - |
| Accrued charges and deferred income492/3 | - | - | €12,875 | €19,939 | €34,706 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,398 | -€7,949 | €8,317 | -€14,003 | -€292,748 | - |
| + Depreciation and write-downs630 | €91,221 | €80,393 | €57,086 | €67,560 | €48,145 | - |
| Operating cash flow (approximation) | €97,619 | €72,444 | €65,403 | €53,557 | -€244,603 | - |
| Investment in fixed assets (approximation) | - | -€30,721 | -€25,464 | -€152,201 | - | - |
| Change in cash | - | €91,256 | -€62,503 | €35,135 | - | - |
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
2025
22-12
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · event 15-12-2025
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
31-01
Financial
Weakest financial yearnet -€292,748
Net result drops to -€292,748, the lowest in the series.
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €8,317
Net result €8,317 after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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 1998
Ground area
2,771 m²
Building footprint
1,695 m²
Volume, LiDAR
4,371 m³
Parcel 52028B0378/00F010, Wallonia · tallest building 16.3 m. Linked by address, not a title deed.
1 establishment unit
G.B. PARTNER
since 19982.087.559.170
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0378/00F010 | Wallonia | 2,771 m² | 1 · 1,695 m² | 16.3 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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 | PHILIPPE-ROBERT SCHREDER CHAUSSEE DE
MONTIGNY, 89/A, 6060 GILLY (CHARLEROI)-
.
Date provisoire de cessation de paiement : 15/12/2025 |
15-12-2025 → present |
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyCharleroi2.087.559.170
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Of 12,955 companies in sector 47120 we hold annual accounts for 2,193. 1,543 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
Founded29-04-1997
Fiscal year end31-01
Activities, NACEBEL 2025
47120Other non-specialised retail sale
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.