FJ-PROTECT
Open bankruptcyA bankruptcy procedure is open for FJ-PROTECT according to publications in the Belgian State Gazette; curator: ALINE BEELEN.
Summary
The 2024 annual accounts show equity of €142,020 and a net result of €30,274.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Hainaut, Charleroi division
- Declared bankrupt
- 2 February 2026
- Supervising judge
- Marianne Lallemand
- Official Gazette
- 10-02-2026 (pdf) ↗search the document for 2026/105764
Deadlines
- Provisional date payments stopped
- 2 February 2026A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 25 February 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 4 March 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 1 April 2026Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- 2 February 2027Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Aline BeelenRue De Walhain 35, 7133 Buvrinnes- . Date provisoire de cessation de paiement : 02/02/2026aline.beelen@beelex.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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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 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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
31 d late
2023
50 d early
2022
269 d late
2021
600 d late
2020
137 d late
2019
148 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 189 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the General maintenance and repair of cars and light vans (up to 3.5 tonnes) sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€142,020▲ 27.1%
2023 · €111,746
Total assets
€284,772▼ 40.2%
2023 · €475,874
Net result
€30,274▼ 29.1%
2023 · €42,696
Working capital
€137,190▲ 30.0%
2023 · €105,567
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€1,501€31,023€56,045▲ 80.7%€55,021▼ 1.8%€36,584▼ 33.5%
Net result-€1,866within the sector's middle half€21,936above the sector's middle half€42,283above the sector's middle half▲ 92.8%€42,696above the sector's middle half▲ 1.0%€30,274above the sector's middle half▼ 29.1%
Equity€4,832below the sector's middle half▲ 30.7%€26,768within the sector's middle half▲ 454%€69,050within the sector's middle half▲ 158%€111,746within the sector's middle half▲ 61.8%€142,020above the sector's middle half▲ 27.1%
Total assets€8,588below the sector's middle half▼ 61.4%€72,680within the sector's middle half▲ 746%€268,019within the sector's middle half▲ 269%€475,874above the sector's middle half▲ 77.6%€284,772within the sector's middle half▼ 40.2%
Debt€3,756▼ 79.8%€45,912▲ 1,122%€198,969▲ 333%€364,128▲ 83.0%€142,752▼ 60.8%
Working capital€4,832within the sector's middle half€26,768within the sector's middle half▲ 454%€69,050within the sector's middle half▲ 158%€105,567above the sector's middle half▲ 52.9%€137,190above the sector's middle half▲ 30.0%
Solvency56.3%within the sector's middle half▲ 39.7pp36.8%within the sector's middle half▼ 19.4pp25.8%within the sector's middle half▼ 11.1pp23.5%within the sector's middle half▼ 2.3pp49.9%within the sector's middle half▲ 26.4pp
Current ratio2.29within the sector's middle half▲ 1.461.58within the sector's middle half▼ 0.701.35within the sector's middle half▼ 0.241.29within the sector's middle half▼ 0.061.96within the sector's middle half▲ 0.67
Return on assets (ROA)-21.7%below the sector's middle half▼ 22.5pp30.2%above the sector's middle half▲ 51.9pp15.8%above the sector's middle half▼ 14.4pp9.0%within the sector's middle half▼ 6.8pp10.6%within the sector's middle half▲ 1.7pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 34% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €284,772
Fixed assets
€4,830 ▼ 21.8%
Current assets
€279,942 ▼ 40.4%
Equity and liabilities €284,772
Equity
€142,020 ▲ 27.1%
Debt
€142,752 ▼ 60.8%
Debt's share of the balance-sheet total falls from 76.5% to 50.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37,934▼
2023 · €55,591
Cash flow
€31,624▼
2023 · €43,265
Debt to equity
1.01▼
2023 · 3.26
ROE
21.3%▼
2023 · 38.2%
Interest coverage
9.80▼
2023 · 252.11
Debt ≤ 1 year
€142,752▼
2023 · €364,128
Income taxes
€14,673▼
2023 · €20,180
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €570 | €1,350 | ▲ 137% |
| Other operating charges640/8 | - | €2,058 | - | - | €3,510 | - |
| Gross operating margin9900 | -€192 | €33,081 | €56,045 | €55,591 | €41,444 | ▼ 25.4% |
| Operating profit (loss)9901 | -€1,501 | €31,023 | €56,045 | €55,021 | €36,584 | ▼ 33.5% |
| Financial income75/76B | - | €1,375 | €5,583 | €8,074 | €12,234 | ▲ 51.5% |
| Recurring financial income75 | - | €1,375 | €5,583 | €8,074 | €12,234 | ▲ 51.5% |
| Financial charges65/66B | - | €826 | €239 | €221 | €3,871 | ▲ 1,656% |
| Recurring financial charges65 | €365 | €826 | €239 | €221 | €3,871 | ▲ 1,656% |
| Profit (loss) for the period before taxes9903 | -€1,866 | €31,572 | €61,389 | €62,875 | €44,947 | ▼ 28.5% |
| Income taxes67/77 | - | €9,636 | €19,106 | €20,180 | €14,673 | ▼ 27.3% |
| Profit (loss) for the period9904 | -€1,866 | €21,936 | €42,283 | €42,696 | €30,274 | ▼ 29.1% |
| Profit (loss) for the period to be appropriated9905 | -€1,866 | €21,936 | €42,283 | €42,696 | €30,274 | ▼ 29.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8,588 | €72,680 | €268,019 | €475,874 | €284,772 | ▼ 40.2% |
| Fixed assets21/28 | - | - | - | €6,180 | €4,830 | ▼ 21.8% |
| Tangible fixed assets22/27 | - | - | - | €6,180 | €4,830 | ▼ 21.8% |
| Furniture and vehicles24 | - | - | - | €6,180 | €4,830 | ▼ 21.8% |
| Current assets29/58 | €8,588 | €72,680 | €268,019 | €469,694 | €279,942 | ▼ 40.4% |
| Amounts receivable within one year40/41 | €6,229 | €58,516 | €255,593 | €462,564 | €266,944 | ▼ 42.3% |
| Trade receivables40 | - | €22,738 | €132,806 | €267,754 | €60,041 | ▼ 77.6% |
| Other amounts receivable41 | - | €35,778 | €122,788 | €194,811 | €206,903 | ▲ 6.2% |
| Cash at bank and in hand54/58 | €2,359 | €14,073 | €12,426 | €7,130 | €764 | ▼ 89.3% |
| Deferred charges and accrued income490/1 | - | €91 | - | - | €12,234 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8,588 | €72,680 | €268,019 | €475,874 | €284,772 | ▼ 40.2% |
| Equity10/15 | €4,832 | €26,768 | €69,050 | €111,746 | €142,020 | ▲ 27.1% |
| Contributions10/11 | €24,000 | €24,000 | €24,000 | €24,000 | €24,000 | = |
| Profit (loss) carried forward14 | -€19,168 | €2,768 | €45,050 | €87,746 | €118,020 | ▲ 34.5% |
| Amounts payable17/49 | €3,756 | €45,912 | €198,969 | €364,128 | €142,752 | ▼ 60.8% |
| Amounts payable within one year42/48 | €3,756 | €45,912 | €198,969 | €364,128 | €142,752 | ▼ 60.8% |
| Trade debts44 | €1,766 | €28,117 | €170,100 | €315,079 | €9,180 | ▼ 97.1% |
| Suppliers440/4 | - | €28,117 | €170,100 | €315,079 | €9,180 | ▼ 97.1% |
| Taxes, remuneration and social security45 | - | €17,795 | €28,869 | €49,049 | €128,571 | ▲ 162% |
| Taxes450/3 | - | €17,795 | €28,869 | €49,049 | €128,571 | ▲ 162% |
| Other amounts payable47/48 | - | - | - | - | €5,000 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,866 | €21,936 | €42,283 | €42,696 | €30,274 | ▼ 29.1% |
| + Depreciation and write-downs630 | - | - | - | €570 | €1,350 | ▲ 137% |
| Operating cash flow (approximation) | -€1,866 | €21,936 | €42,283 | €43,265 | €31,624 | ▼ 26.9% |
| Investment in fixed assets (approximation) | - | - | - | - | €0 | - |
| Change in cash | - | €11,714 | -€1,647 | -€5,295 | -€6,366 | ▼ 20.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
10-02
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · event 02-02-2026
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 269 days late
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 600 days late
2023
31-12
Financial
Highest result since 2018net €42,696 ▲1%
Net result €42,696, the highest in the series.
31-12
Financial
Equity above €100,000Eq €111,746 ▲61.8%
3 profitable years in a row build equity to €111,746.
2021
31-12
Financial
Back to profitnet €21,936
Net result €21,936 after one loss-making year.
15-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 137 days late
2020
31-12
Financial
Weakest financial yearnet -€1,866
Net result drops to -€1,866, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 2.29
Current ratio from 0.82 to 2.29; short-term debt falls from €13,328 to €3,756.
26-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 148 days late
Show earlier events
2019
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 127 days late
2018
04-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 126 days late
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 151 days late
2016
31-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 153 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Chapelle-lez-Herlaimont · 1 establishment unit since 2006
Ground area
232 m²
Building footprint
62 m²
Volume, LiDAR
559 m³
Parcel 52010B0246/00Z005, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FJ-PROTECT
since 20062.151.116.441
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52010B0246/00Z005 | Wallonia | 232 m² | 1 · 62 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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 | ALINE BEELEN RUE DE WALHAIN 35,
7133 BUVRINNES- .
Date provisoire de cessation de paiement : 02/02/2026 |
02-02-2026 → present |
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Of 7,378 companies in sector 95311 we hold annual accounts for 2,963. 2,357 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-11-2005
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.