C.H.B. FINANCE
InactiveC.H.B. FINANCE was declared bankrupt on 29-04-2024 (Tribunal de l’entreprise de Liège, division Liège); the bankruptcy was closed by liquidation by judgment of 20-01-2026, published in the Belgian State Gazette on 26-01-2026.
No longer registered with the KBO; last annual accounts for fiscal year 2022.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline22-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 28-08-2023, 28 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
28 d late
2021
61 d late
2020
61 d late
2019
131 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€-10k▼ 258%
2021 · €-3k
2018: €-12k
2019: €-54k
2020: €-65k
2021: €-3k
2018 → 2022
Total assets
€21k▼ 64.7%
2021 · €59k
2018: €174k
2019: €159k
2020: €123k
2021: €59k
2018 → 2022
Net result
€-7k
2021 · €63k
2018: €113k
2019: €-42k
2020: €-11k
2021: €63k
2018 → 2022
Working capital
€-4k
2021 · €20k
2018: €42k
2019: €523
2020: €-24k
2021: €20k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€-12k-€-54k▼ 347%€-65k▼ 20.8%€-3k▲ 95.9%€-10k▼ 258%
Operating result€126k-€-39k€-8k▲ 78.6%€98k€-6k
Net result€113k-€-42k€-11k▲ 73.2%€63k€-7k
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 2022: a loss of €6k after €98k in 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €21k
Fixed assets
€16k▼ 17.2%
Current assets
€5k▼ 88.0%
Key figures and ratios
EBITDA
€-3k▼
2021 · €102k
Cash flow
€-4k▼
2021 · €66k
Solvency
-46.1%▼
2021 · -4.5%
Current ratio
0.56▼
2021 · 2.00
Quick ratio
0.56▼
2021 · 2.00
Debt / equity
-0.88▲
2021 · -14.79
ROA
-33.3%▼
2021 · 107.2%
Interest coverage
-4.51▼
2021 · 7.45
Debt
€8k▼
2021 · €39k
Debt ≤ 1 year
€8k▼
2021 · €20k
Staff costs
€21k▲
2021 · €5k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€59k€21k▼
Fixed assets21/28€19k€16k▼
Tangible fixed assets22/27€19k€16k▼
Land and buildings22€19k€16k▼
Furniture and vehicles24€421€222▼
Financial fixed assets28€100€100=
Current assets29/58€39k€5k▼
Amounts receivable within one year40/41€34k€2k▼
Trade receivables40€13k€2k▼
Other amounts receivable41€20k-
Cash at bank and in hand54/58€5k€3k▼
Deferred charges and accrued income490/1€639-
Equity and liabilities
Total equity and liabilities10/49€59k€21k▼
Equity10/15€-3k€-10k▼
Contributions10/11€13k€13k=
Reserves13€67k€67k▼
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Tax-exempt reserves132€66k€65k▼
Profit (loss) carried forward14€-83k€-90k▼
Provisions and deferred taxes16€22k€22k▼
Deferred taxes168€22k€22k▼
Amounts payable17/49€39k€8k▼
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€20k€8k▼
Current portion of amounts payable after more than one year42€3k€7k▲
Trade debts44€4k-
Suppliers440/4€4k-
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€5k-
Accrued charges and deferred income492/3€13k-
Income statement
Code20212022
Remuneration, social security and pensions62€5k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k-
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A€6k-
Gross operating margin9900€126k€21k▼
Operating profit (loss)9901€98k€-6k▼
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€14k€649▼
Recurring financial charges65€14k€649▼
Profit (loss) for the period before taxes9903€87k€-7k▼
Transfer from deferred taxes780€32€32▲
Transfer to deferred taxes680€22k-
Income taxes67/77€2k-
Profit (loss) for the period9904€63k€-7k▼
Transfer from tax-exempt reserves789€96€96▲
Transfer to tax-exempt reserves689€66k-
Profit (loss) for the period to be appropriated9905€-3k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-83k€-90k▼
Profit (loss) brought forward from the previous period14P€-80k€-83k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
26-01
Bankruptcy
Bankruptcy closure (by liquidation)
Tribunal de l’entreprise de Liège, division Liège · C.H.B. FINANCE SRL RUE FRANCOIS-LEFEBVRE 55, 4000 LIEGE 1. déclarée le 29 avril 2024 · event 20-01-2026
2024
06-05
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Liège · C.H.B. FINANCE SRL RUE FRANCOIS- LEFEBVRE 55, 4000 LIEGE 1 · event 29-04-2024
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €63k
Net result €63k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.00
Current ratio from 0.74 to 2.00; short-term debt falls from €91k to €20k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 131 days late
2019
31-12
Financial
Weakest financial yearnet €-42k ▼137%
Net result drops to €-42k, the lowest in the series.
05-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 36 days late
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 69 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 18 days late
2015
28-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 28 days late
2014
15-07
NBB filing
Annual accounts filed
fiscal year 2013 · 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
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.
Insolvency mandates
2 mandates| Role | Name | Tenure |
|---|---|---|
| Curator | BARBARA JACQUINET PLACE DE BRONCKART 1,
4000 LIEGE 1 |
29-04-2024 → present |
| Curator | LEON LEDUC PLACE
DE BRONCKART 1, 4000 LIEGE 1 |
29-04-2024 → present |