CLAUDE DECHAMPS
Open bankruptcyA bankruptcy procedure is open for CLAUDE DECHAMPS according to publications in the Belgian State Gazette; curator: LUC MINGUET.
Summary
The 2022 annual accounts show equity of €250k and a net result of €-15k.
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 31-12-2022 was due by 31-07-2023 and was filed on 01-09-2023, 32 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
32 d late
2021
4 d late
2020
20 d late
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2022, micro schema
Equity
€250k▼ 5.6%
2021 · €265k
2018: €296k
2019: €277k
2020: €273k
2021: €265k
2018 → 2022
Total assets
€502k▼ 2.3%
2021 · €514k
2018: €602k
2019: €576k
2020: €530k
2021: €514k
2018 → 2022
Net result
€-15k▼ 73.6%
2021 · €-9k
2018: €12k
2019: €-19k
2020: €-3k
2021: €-9k
2018 → 2022
Working capital
€249k▼ 4.7%
2021 · €261k
2018: €284k
2019: €267k
2020: €266k
2021: €261k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€296k-€277k▼ 6.4%€273k▼ 1.2%€265k▼ 3.1%€250k▼ 5.6%
Operating result€15k-€-16k€-524▲ 96.6%€-5k▼ 870%€-11k▼ 119%
Net result€12k-€-19k€-3k▲ 82.0%€-9k▼ 149%€-15k▼ 73.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2022 against €5k in 2021; the loss grows.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €502k
Fixed assets
€2k ▼ 63.0%
Current assets
€501k ▼ 1.8%
Equity and liabilities €502k
Equity
€250k ▼ 5.6%
Debt
€252k ▲ 1.3%
Debt's share of the balance-sheet total rises from 48.5% to 50.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-8k▼
2021 · €-2k
Cash flow
€-12k▼
2021 · €-5k
Current ratio
1.99▼
2021 · 2.05
Debt to equity
1.01▲
2021 · 0.94
ROE
-5.9%▼
2021 · -3.2%
ROA
-3.0%▼
2021 · -1.7%
Interest coverage
-2.13▼
2021 · -0.59
Debt ≤ 1 year
€252k▲
2021 · €249k
Income taxes
€0▼
2021 · €453
Staff costs
€0▼
2021 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2022 against 2021 · 49 lines
Balance sheet
Code20212022
Assets
Total assets20/58€514k€502k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€1k▼
Plant, machinery and equipment23€459€152▼
Furniture and vehicles24€590€744▲
Other tangible fixed assets26€3k€560▼
Financial fixed assets28€100€100=
Current assets29/58€510k€501k▼
Stocks and contracts in progress3€4k€0▼
Stocks30/36€4k€0▼
Amounts receivable within one year40/41€506k€501k▼
Trade receivables40€13k€7k▼
Other amounts receivable41€492k€494k▲
Cash at bank and in hand54/58€20€20=
Equity and liabilities
Total equity and liabilities10/49€514k€502k▼
Equity10/15€265k€250k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€51k€51k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€45k€45k=
Profit (loss) carried forward14€152k€137k▼
Amounts payable17/49€249k€252k▲
Amounts payable within one year42/48€249k€252k▲
Financial debts43€28k€29k▲
Credit institutions430/8€28k€29k▲
Trade debts44€8k€8k▲
Suppliers440/4€8k€8k▲
Taxes, remuneration and social security45€410€468▲
Taxes450/3-€468
Remuneration and social security454/9€410€0▼
Other amounts payable47/48€213k€215k▲
Income statement
Code20212022
Remuneration, social security and pensions62€1k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€875€582▼
Gross operating margin9900€275€-7k▼
Operating profit (loss)9901€-5k€-11k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€-8k€-15k▼
Income taxes67/77€453€0▼
Profit (loss) for the period9904€-9k€-15k▼
Profit (loss) for the period to be appropriated9905€-9k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€152k€137k▼
Profit (loss) brought forward from the previous period14P€160k€152k▼
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
2025
10-10
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Liège · CLAUDE DECHAMPS SA RUE YERNAWE 14, 4470 SAINT-GEORGES-SUR-MEUSE · event 06-10-2025
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-19k ▼254%
Net result drops to €-19k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 22 days late
2015
25-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 25 days late
2014
27-08
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 27 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Saint-Georges-sur-Meuse · 1 establishment unit since 1991
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.
Rue Yernawe 144470 Saint-Georges-sur-MeuseGround area
2,531 m²
Building footprint
241 m²
Volume, LiDAR
1,523 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée Verte 111, 4470 Saint-Georges-sur-Meuse
since 19912.051.480.219
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64065C1371/00R002 | Wallonia | 1,572 m² | 1 · 184 m² | 7.8 m · 2 fl. |
| 64065C0099/00E004 | Wallonia | 960 m² | 1 · 56 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 | LUC MINGUET CHEMIN DU VIEUX THIER 5A,
4190 FERRIERES |
06-10-2025 → present |
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,505 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-11-1990
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.