CHEZ DAPHNE & CHRISTOPHE
InactiveChecked score
Score 2022
Axes · tick = 2021
Profitability100=
Solvency35▲+16
Growth32▼-26
Stability-
Credit verdict
No credit on open account
Liquidity short (current ratio 0.59 against 1.03 in 2021), and equity is negative.
Credit advice for your own amount and term
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 deadline11-09-2026 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 25-08-2023, 25 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
25 d late
2021
30 d late
2020
74 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€-40k
2021 · €12k
2018: €23k
2019: €3k
2020: €-9k
2021: €12k
2018 → 2022
Total assets
€88k▼ 25.8%
2021 · €119k
2018: €129k
2019: €138k
2020: €114k
2021: €119k
2018 → 2022
Net result
€-54k
2021 · €21k
2018: €4k
2019: €-20k
2020: €-12k
2021: €21k
2018 → 2022
Working capital
€-53k
2021 · €3k
2018: €14k
2019: €-4k
2020: €-17k
2021: €3k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€23k-€3k▼ 86.5%€-9k€12k€-40k
Operating result€3k-€-17k€-5k▲ 69.8%€22k€-59k
Net result€4k-€-20k€-12k▲ 41.5%€21k€-54k
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 €59k after €22k in 2021, the lowest year so far.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €88k
Fixed assets
€13k▲ 32.9%
Current assets
€76k▼ 30.9%
Key figures and ratios
EBITDA
€-58k▼
2021 · €23k
Cash flow
€-52k▼
2021 · €22k
Solvency
-45.4%▼
2021 · 10.3%
Current ratio
0.59▼
2021 · 1.03
Quick ratio
0.23▼
2021 · 0.52
Debt / equity
-3.20▼
2021 · 8.74
ROE
133.4%▼
2021 · 170.7%
ROA
-60.6%▼
2021 · 17.5%
Interest coverage
-31.93▼
2021 · 24.63
Debt
€129k▲
2021 · €107k
Debt ≤ 1 year
€129k▲
2021 · €107k
Staff costs
€128k▲
2021 · €54k
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€119k€88k▼
Fixed assets21/28€9k€13k▲
Intangible fixed assets21€80-
Tangible fixed assets22/27€1k€2k▲
Land and buildings22€1k€2k▲
Furniture and vehicles24€5-
Other tangible fixed assets26€73-
Financial fixed assets28€8k€10k▲
Current assets29/58€110k€76k▼
Stocks and contracts in progress3€54k€47k▼
Stocks30/36€54k€47k▼
Amounts receivable within one year40/41€22k€12k▼
Trade receivables40€7k€9k▲
Other amounts receivable41€15k€3k▼
Cash at bank and in hand54/58€33k€17k▼
Equity and liabilities
Total equity and liabilities10/49€119k€88k▼
Equity10/15€12k€-40k▼
Contributions10/11€62k€63k▲
Capital10€62k€63k▲
Issued capital100€62k€63k▲
Reserves13€18k€18k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€11k€11k=
Profit (loss) carried forward14€-67k€-121k▼
Amounts payable17/49€107k€129k▲
Amounts payable within one year42/48€107k€129k▲
Trade debts44€89k€108k▲
Suppliers440/4€89k€108k▲
Taxes, remuneration and social security45€18k€20k▲
Taxes450/3€3k€5k▲
Remuneration and social security454/9€15k€15k▲
Income statement
Code20212022
Remuneration, social security and pensions62€54k€128k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€6
Gross operating margin9900€78k€71k▼
Operating profit (loss)9901€22k€-59k▼
Financial income75/76B-€7k
Recurring financial income75-€7k
Financial charges65/66B€936€2k▲
Recurring financial charges65€936€2k▲
Profit (loss) for the period before taxes9903€21k€-54k▼
Profit (loss) for the period9904€21k€-54k▼
Profit (loss) for the period to be appropriated9905€21k€-54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-67k€-121k▼
Profit (loss) brought forward from the previous period14P€-88k€-67k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-05
Bankruptcy
Bankruptcy closure (by liquidation)
Tribunal de l’entreprise du Hainaut, division Charleroi · CHEZ DAPHNE & CHRISTOPHE RUE DE MERBES(BIN)26, 7130 BINCHE. déclarée le 20 août 2024 · event 19-05-2025
2024
29-08
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · CHEZ DAPHNE & CHRISTOPHE RUE DE MERBES(BIN)26, 7130 BINCHE · event 20-08-2024
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Weakest financial yearnet €-54k ▼356%
Net result drops to €-54k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
13-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 74 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 84 days late
2018
20-09
Judicial reorganisation
Plan homologation
Tribunal de commerce du Hainaut · 20170057 · event 14-09-2018
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 49 days late
28-06
Judicial reorganisation
Plan homologation
Tribunal de commerce du Hainaut · 20170057 · event 22-06-2018
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 50 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
26-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2014
29-10
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
no sitting director, last change in 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
23-03-2024
Resigned as Director
Not every act has been read: a resignation may be missing here
9 of this company's 9 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
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
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | BERNARD GROFILS RUE DE ROBIANO 62,
7130 BINCHE- .
Date provisoire de cessation de paiement : 20/08/2024 |
20-08-2024 → present |