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Active
BE 0889.339.649Private limited company (pre-2019)Open bankruptcy
FINIMMO-CLM
Avenue des Dessus de Lives(LO) 2 ·5101 Namur, Belgium· 19 yrs active
Conclusion
A bankruptcy procedure is open for FINIMMO-CLM according to publications in the Belgian State Gazette. The file additionally contains 1 judicial reorganisation. The 2023 annual accounts show equity of €1.27M and a net result of €-62k.
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €1.27M |
| Net result | €-62k |
| Staff (FTE) | 2.3 |
| Active | 19 yrs |
Financial profile
24
/ 100
Fragile profile, watch health in particular.
All 5 axes are computed from data Checked has read.
Health
0
Profitability
0
Solvency
67
Growth
52
Stability
0
Bankruptcy probability (12 mo)
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
60 / 100
High riskRegister: open bankruptcyThis 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
· 1 judicial reorganisation (+10)
· Open bankruptcy (+50)
Trust 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
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
0
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Financial overview
Annual accounts filed on 25-07-2024 with the NBB · fiscal year 2023 · volledig
€70k
-73.2%
18-23
€-62k
-
18-23
€-39k
-
18-23
€3.36M
+5.5%
18-23
€1.27M
-5.1%
18-23
€791k
-8.4%
18-23
2
0.0%
18-23
€179k
+6.1%
18-23
Show 11 other metrics
€118k
-7.1%
18-23
€2.09M
+13.3%
18-23
€2.09M
+15.0%
18-23
€27k
-61.6%
18-23
1.38
-6.5%
18-23
1.38
-6.5%
18-23
37.9%
-10.1%
18-23
1.64
+19.4%
18-23
-4.9%
-
18-23
-1.8%
-
18-23
0.62
-97.0%
18-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | €70k |
| Net profit | €-62k |
| Cash flow | €-39k |
| Staff costs | €179k |
| Income taxes | €118k |
| Dividends | - |
| Total assets | €3.36M |
| Equity | €1.27M |
| Debt | €2.09M |
| of which ≤ 1y | €2.09M |
| of which > 1y | - |
| Working capital | €791k |
| Employees (FTE) | 2.3 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.38 |
| Quick ratio | 1.38 |
| Working capital ratio | 23.5% |
| Solvency | 37.9% |
| Debt / equity | 1.64 |
| Long-term debt ratio | - |
| Interest coverage | 0.62 |
| Gross margin | - |
| Net margin | - |
| ROA | -1.8% |
| ROE | -4.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €3.36M |
| Fixed assets | 21/28 | €484k |
| Tangible fixed assets | 22/27 | €83k |
| Financial fixed assets | 28 | €401k |
| Current assets | 29/58 | €2.88M |
| Amounts receivable within one year | 40/41 | €2.88M |
| Cash & bank | 54/58 | €5k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €3.36M |
| Equity | 10/15 | €1.27M |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €1.25M |
| Amounts payable | 17/49 | €2.09M |
| Amounts payable within one year | 42/48 | €2.09M |
| Trade debts payable within one year | 44 | €12k |
| Income statement | ||
| Gross operating margin | 9900 | €284k |
| Operating result | 9901 | €47k |
| Financial income | 75 | €122k |
| Financial charges | 65 | €112k |
| Result before taxes | 9903 | €56k |
| Income taxes | 67/77 | €118k |
| Net result for the period | 9904 | €-62k |
| Result to be appropriated | 9905 | €-62k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Directors & mandates
| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | JACQUES PIRON AVENUE DE LA TOISON D’OR 77,
1060 SAINT-GILLES |
20-01-2025 → present | Belgian State Gazette |
Legal Structure
| NACE primary | - |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 10-05-2007 |
| Status | Active |
| Postal code | 5101 |
| First BS signal | 06-08-2024 |
| Latest BS signal | 27-01-2025 |
Establishment units
FINIMMO-CLM
since 20072.163.607.071
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
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
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92078A0002/02G002 | Wallonia | 2,634 m² | 1 · 1,021 m² | 18.2 m · 5 fl. |
| 21805E0445/00B007 | Brussels | 221 m² | 1 · 165 m² | 19.9 m · 4 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
27-01-2025
Bankruptcy
Opening
09-01-2025
State Gazette act
Registered-office change
2024
06-08-2024
Judicial reorganisation
Opening
25-07-2024
NBB filing
Annual accounts filed
30-01-2024
NBB filing
Annual accounts filed
2023
24-04-2023
NBB filing
Annual accounts filed
06-02-2023
NBB filing
Annual accounts filed
2021
11-10-2021
NBB filing
Annual accounts filed
30-07-2021
NBB filing
Annual accounts filed
2019
01-07-2019
NBB filing
Annual accounts filed
2017
13-10-2017
NBB filing
Annual accounts filed
2016
05-08-2016
NBB filing
Annual accounts filed
2015
31-08-2015
NBB filing
Annual accounts filed
Lifecycle & Insolvency Signals
27-01-2025
Bankruptcy
Opening
Full insolvency chronology
The full chronology lists every recorded event with its date, the competent court and the appointed liquidator or administrator. It answers at which stage the proceedings stand and whether they are still running.
We hold 1 further earlier event in this file, covering 30-05-2024 to 20-01-2025.
Available in Kantoor S.
See plans →
Time machine, BS events + macro context
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette reading coverage
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.
Belgisch Staatsblad, acts
Address history · 1
09-01-2025
Registered-office move
All acts · 1
updated 1 year ago
2025
09-01-2025 Registered office moved from BRUXELLES to LOYERS
- Rue d'Arlon 36 - 1000 BRUXELLES → 2 Avenue des Dessus-de-Lives - 5101 LOYERS (Namur)
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "2 Avenue des Dessus-de-Lives - 5101 LOYERS (Namur)",
"city": "LOYERS",
"region": "waals_gewest",
"street": "2 Avenue des Dessus-de-Lives",
"country": "BE",
"postcode": "5101",
"box_number": "5",
"street_number": null,
"locality_suffix": "(Namur)"
},
"old_address": {
"raw": "Rue d\u0027Arlon 36 - 1000 BRUXELLES",
"city": "BRUXELLES",
"region": "vlaams_gewest",
"street": "Rue d\u0027Arlon",
"country": "BE",
"postcode": "2500",
"box_number": null,
"street_number": "36",
"locality_suffix": null
},
"effective_date": "2025-01-01",
"evidence_quote": "",
"region_changed": true,
"is_statute_change": true,
"nationality_change": false,
"old_address_source": "header_volledig_adres",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "absolute",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": true,
"court_jurisdiction_changed": true,
"effective_date_is_approximate": false
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2025-01-09",
"filing_date": "2024-12-31",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2024-12-30",
"unanimous": null
},
"subject_company": {
"kbo": "0889.339.649",
"name_full": "FINIMMO-CLM",
"legal_form": "SRL",
"_kbo_filled_from_list": true
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Patrick DIEU",
"org_rep_person_name": null,
"person_role_at_subject": "Administrateur"
},
"co_filed_documents": []
}Credit advice
Company registry (CBE)
Names & trade names
| Legal nameNL | FINIMMO-CLM |
Registered office
Avenue des Dessus de Lives(LO) 2
5101 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.