Active BE 0558.972.990Private limited company (pre-2019)Open bankruptcy

G.J.CLOTURES

Chaussée de Bascoup 69 ·6150 Anderlues, Belgium· 12 yrs active

Sector: Algemene bouw van residentiële gebouwen (41001)

Conclusion Checked

A bankruptcy procedure is open for G.J.CLOTURES according to publications in the Belgian State Gazette. The 2023 annual accounts show equity of €311k and a net result of €88k.

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€311k
Net result	€88k
Better than sector	94%
Active	12 yrs

Financial profile 5 of 5 axes measured · computed by Checked

60 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 24

Profitability 100

Solvency 100

Growth 78

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

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 rule-based

50 / 100

High riskRegister: open bankruptcy

This 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

· Open bankruptcy (+50)

Trust signals 2 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 Flags0 events

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 FY 2023 · computed

24 / 100 Critical

050100

Computed from 4 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 overview9 NBB filings

Annual accounts filed on 07-05-2025 with the NBB · fiscal year 2023 · volledig

Operating resultNet result

Sector comparison

Fiscal year 2023 · NACE 41, Construction of buildings · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	73.0%	26.0%	better than 94% of 208 sector peers
Net result	€88k	€13k	better than 83% of 207 sector peers
Equity	€311k	€48k	better than 80% of 209 sector peers
Gross operating margin	€154k	€42k	better than 71% of 182 sector peers
Staff costs	€23k	€171k	higher than 25% of 107 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€45k

-66.4% 18-23

Net profit

€88k

+70.5% 18-23

Cash flow

€33k

-74.4% 18-23

Total assets

€426k

+36.7% 18-23

Equity

€311k

+39.5% 18-23

Working capital

€311k

+39.5% 18-23

Staff costs

€23k

-24.8% 18-23

Income taxes

€42k

+40.2% 18-23

Show 9 other metrics

Debt

€115k

+29.8% 18-23

Debt ≤ 1y

€115k

+29.8% 18-23

Current ratio

3.70

+5.4% 18-23

Quick ratio

3.70

+5.4% 18-23

Solvency

73.0%

+2.0% 18-23

Debt / equity

0.37

-7.0% 18-23

ROE

28.3%

+22.2% 18-23

ROA

20.7%

+24.7% 18-23

Interest coverage

973.02

- 18-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	volledig
Revenue	-
EBITDA	-
Net profit	€88k
Cash flow	-
Staff costs	€23k
Income taxes	€42k
Dividends	-
Total assets	€426k
Equity	€311k
Debt	€115k
of which ≤ 1y	€115k
of which > 1y	-
Working capital	€311k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	3.70
Quick ratio	3.70
Working capital ratio	73.0%
Solvency	73.0%
Debt / equity	0.37
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	20.7%
ROE	28.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Equity & liabilities

Equity €311k · 73.0% Debt €115k · 27.0%

Full annual accounts (19 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	€426k
Current assets	29/58	€426k
Amounts receivable within one year	40/41	€260k
Cash & bank	54/58	€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€426k
Equity	10/15	€311k
Contributions / capital	10/11	€12k
Reserves	13	€140k
Accumulated profits (losses)	14	€159k
Amounts payable	17/49	€115k
Amounts payable within one year	42/48	€115k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€154k
Operating result	9901	€131k
Financial charges	65	€44
Result before taxes	9903	€130k
Income taxes	67/77	€42k
Net result for the period	9904	€88k
Result to be appropriated	9905	€88k

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 & mandates1 person

Role	Name	Tenure	Source
Curator	GAEL D’HOTEL CHAUSSEE IMPERIALE 150, 6060 GILLY (CHARLEROI)- . Date provisoire de cessation de paiement : 01/09/2025	01-09-2025 → present	Belgian State Gazette

Legal Structure

NACE primary	Algemene bouw van residentiële gebouwen(41001)
Legal form	Private limited company (pre-2019)(015)
Incorporation	12-08-2014
Status	Active
Postal code	6150
First BS signal	05-09-2025
Latest BS signal	05-09-2025

Establishment units 1 location

G.J. CLOTURES

Rue des Trieux 14, 6150 AnderluesOptrekken van de ruwbouw van individuele huizen

since 20142.234.390.149

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

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 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56001A0250/00Y000	Wallonia	913 m²	1 · 53 m²	9.8 m · 3 fl.
56001C0098/00N002	Wallonia	868 m²	1 · 178 m²	9.6 m · 3 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.

Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

05-09-2025

Bankruptcy Opening

Tribunal de l’entreprise du Hainaut, division Charleroi · G.J.CLOTURES SRL CHAUSSEE DE BASCOUP 69, 6150 ANDERLUES · event 01-09-2025

07-05-2025