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Complete company report
Generated 11-08-2026
Active BE 0739.611.835Private limited companyOpen bankruptcy

CHEZ ANNE

Coo 1 ·4970 Stavelot, Belgium· 6 yrs active
Sector: Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk (10712)
Conclusion Checked

A bankruptcy procedure is open for CHEZ ANNE according to publications in the Belgian State Gazette. The 2020 annual accounts show negative equity (€-30k) and a net result of €-32k.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-30k
Net result €-32k
Staff (FTE) 0.3
Better than sector 19%
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health0Profitability100Solvency33Growth-Stability0
33 / 100

Fragile profile, watch health in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 0
Profitability 100
Solvency 33
Growth -
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2020 · computed
0 / 100 Critical
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2020 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 30-09-2021 with the NBB · fiscal year 2020 · micro
Sector comparison
Fiscal year 2020 · NACE 10, Food manufacturing · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -30.6% 24.9%
better than 19% of 99 sector peers
Net result €-32k €2k
better than 14% of 99 sector peers
Equity €-30k €27k
better than 18% of 99 sector peers
Gross operating margin €-17k €57k
better than 5% of 99 sector peers
Employees (FTE) 0.3 2.1
better than 7% of 57 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2020
Depositmicro
Revenue-
EBITDA€-21k
Net profit€-32k
Cash flow€-26k
Staff costs-
Income taxes-
Dividends-
Total assets€97k
Equity€-30k
Debt€126k
of which ≤ 1y€35k
of which > 1y€92k
Working capital€-19k
Employees (FTE)0.3
Ratios (computed)
2020
Current ratio0.46
Quick ratio0.46
Working capital ratio-19.4%
Solvency-30.6%
Debt / equity-3.10
Long-term debt ratio-3.10
Interest coverage-
Gross margin-
Net margin-
ROA-32.7%
ROE106.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2020
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2020
Balance sheet, Assets
TOTAL ASSETS 20/58€97k
Fixed assets 21/28€81k
Tangible fixed assets 22/27€81k
Current assets 29/58€16k
Amounts receivable within one year 40/41€11k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€97k
Equity 10/15€-30k
Accumulated profits (losses) 14€-32k
Amounts payable 17/49€126k
Amounts payable after one year 17€92k
Amounts payable within one year 42/48€35k
Trade debts payable within one year 44€11k
Income statement
Gross operating margin 9900€-17k
Operating result 9901€-27k
Financial charges 65€4k
Result before taxes 9903€-32k
Net result for the period 9904€-32k
Result to be appropriated 9905€-32k
Ratios computed by Checked.
Directors & mandates1 person
Role Name Tenure Source
Curator LUCIE GERARDY
RUE DE LA STATION 47, 4880 AUBEL
 07-02-2022 → present Belgian State Gazette
Legal Structure
NACE primary Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk(10712)
Legal form Private limited company(610)
Incorporation16-12-2019
StatusActive
Postal code4970
First BS signal 15-02-2022
Latest BS signal 15-02-2022
Establishment units 1 location
CHEZ ANNE
Coo 1, 4970 StavelotVervaardiging van roomijs en ander consumptie-ijs
since 20202.301.518.703
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63073A0415/00A002 Wallonia 423 m² 1 · 78 m² 9.2 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2022
15-02-2022
Bankruptcy Opening
Tribunal de l’entreprise de Liège, division Liège · CHEZ ANNE SRL COO 1, 4970 STAVELOT · event 07-02-2022
2021
30-09-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
Lifecycle & Insolvency Signals 1 events
15-02-2022
Bankruptcy Opening
Date: 07-02-2022 · Tribunal de l’entreprise de Liège, division Liège · CHEZ ANNE SRL COO 1, 4970 STAVELOT · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262022-02-15 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712
Primary activity highlighted.
Names & trade names
Legal nameFR CHEZ ANNE
Registered office
Coo 1
4970 Stavelot, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative