Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for Chez Matteo according to publications in the Belgian State Gazette. The 2024 annual accounts show equity of €19k and a net result of €4k.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events13-06-2025
Bankruptcy
Opening
Trust signals
1 signalOpen bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
0 events
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€4k
Working capital€9k
Directors1
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 14-10-2024 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 14.9% | 20.4% | |
| Net result | €4k | €4k | |
| Equity | €19k | €16k | |
| Gross operating margin | €216k | €24k | |
| Staff costs | €197k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€16k
-
-71% vs sector
€4k
-
-47% vs sector
€12k
-
+52% vs sector
€131k
+127.2%
+7% vs sector
€19k
+126.3%
-82% vs sector
€9k
-
-91% vs sector
8
+108.1%
-39% vs sector
€197k
+106.9%
-65% vs sector
€111k
+127.3%
far above sector median
€83k
+75.2%
far above sector median
€28k
+1870.6%
-96% vs sector
1.11
+308.4%
-77% vs sector
1.05
+327.5%
-78% vs sector
14.9%
-0.4%
-81% vs sector
5.72
+0.5%
far above sector median
18.2%
-
-3% vs sector
2.7%
-
-81% vs sector
4.08
-
-65% vs sector
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €16k |
| Net profit | €4k |
| Cash flow | €12k |
| Staff costs | €197k |
| Income taxes | - |
| Dividends | - |
| Total assets | €131k |
| Equity | €19k |
| Debt | €111k |
| of which ≤ 1y | €83k |
| of which > 1y | €28k |
| Working capital | €9k |
| Employees (FTE) | 7.7 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.11 |
| Quick ratio | 1.05 |
| Working capital ratio | 6.9% |
| Solvency | 14.9% |
| Debt / equity | 5.72 |
| Long-term debt ratio | 1.45 |
| Interest coverage | 4.08 |
| Gross margin | - |
| Net margin | - |
| ROA | 2.7% |
| ROE | 18.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €131k |
| Fixed assets | 21/28 | €39k |
| Formation expenses | 20 | €0 |
| Intangible fixed assets | 21 | €26k |
| Tangible fixed assets | 22/27 | €13k |
| Current assets | 29/58 | €92k |
| Stocks & contracts in progress | 3 | €5k |
| Amounts receivable within one year | 40/41 | €42k |
| Cash & bank | 54/58 | €30k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €131k |
| Equity | 10/15 | €19k |
| Contributions / capital | 10/11 | €36k |
| Accumulated profits (losses) | 14 | €-16k |
| Amounts payable | 17/49 | €111k |
| Amounts payable after one year | 17 | €28k |
| Amounts payable within one year | 42/48 | €83k |
| Trade debts payable within one year | 44 | €50k |
| Income statement | ||
| Gross operating margin | 9900 | €216k |
| Operating result | 9901 | €8k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €4k |
| Result before taxes | 9903 | €4k |
| Net result for the period | 9904 | €4k |
| Result to be appropriated | 9905 | €4k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed16
/ 100
Critical
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Directors
Directors & mandates
indexingNo directors on record yet
Directors and mandates usually appear here within 24 hours of publication in the Belgian State Gazette.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | YVES BISINELLA RUE MATTEOTTI 34, 4102 OUGREE- |
06-06-2025 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Detailhandel in brood en banketbakkerswerk (koude bakkers)(47241) |
| Legal form | Cooperative company(706) |
| Incorporation | 14-07-2022 |
| Status | Active |
| Postal code | 4000 |
| First BS signal | 13-06-2025 |
| Latest BS signal | 13-06-2025 |
Structure & network
Company structure: linked entities
1 linked entityMandates
Locations & real estate
Establishment units
1 locationChez Matteo
since 20222.334.258.973
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area152 m²
Buildings1
Building footprint41 m²
Volume (LiDAR)507 m³
Tallest building14.5 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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. |
|---|---|---|---|---|
| 62810C1372/00A000 | Wallonia | 152 m² | 1 · 41 m² | 14.5 m · 4 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.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette13-06-2025
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 4 years ago
2022
09-08-2022 7 directors appointed correction
- BRIEN Christelle Alberte Aimée, Bestuurder
- DECLERCQ Stéphane Patrick, Bestuurder
- DEWAELE Eric Daniel Jean, Bestuurder
- DOLCIMASCOLO Leonardo, Bestuurder
- GUYOT Emmanuel Arsène Christian, Bestuurder
- LIBON Jean-Marie Fernand Jules Roger, Bestuurder
- PAVIER Alain Maurice Marcel, Bestuurder
Notary:
Michel COËME · Tilleur
Analysis
Snowflake analysis
financial profile on 5 axes42
/ 100
Fragile profile, watch stability in particular.
Health
16
Profitability
91
Solvency
24
Growth
78
Stability
0
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels (koude bakkers)47241Detailhandel in brood en banketbakkerswerk (koude bakkers)47241
Primary activity highlighted.
Names & trade names
| Legal nameFR | Chez Matteo |
Registered office
Rue du Palais 32
4000 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.