Active BE 0679.617.929Private limited company

HOLDING MEMO

Lokerenbaan 70 ·9240 Zele, Belgium· 8 yrs active

Sector: Financial services (64210)

Conclusion Checked

The computed 12-month bankruptcy probability of HOLDING MEMO is 0.3% (very low). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Key figures

Active	8 yrs
Board	3
Locations	1
Publications	9

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −

Statistical estimate based on public sources — not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2017 — past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Financial overview8 NBB filings

Financials being processed

NBB has 8 filing(s) on record for this company — latest fiscal year 2024 (verkort). The annual accounts are being processed.

Filings on record

Fiscal year	Type	Filed	Reference
31-12-2024	verkort	22-07-2025	2025-00296187
31-12-2023	verkort	22-07-2024	2024-00267861
31-12-2022	verkort	16-06-2023	2023-00130308
31-12-2021	verkort	30-06-2022	2022-20112004
31-12-2020	verkort	07-04-2021	2021-09700406
31-12-2019	verkort	30-06-2020	2020-22300235
31-12-2018	verkort	27-06-2019	2019-23100009
31-12-2017	verkort	28-06-2018	2018-23800552

Directors & mandates 3 directors

Current directors & mandates

DECKERLANDLegal entity
Director· perm. rep.: Christine VASTENAVONDT
State Gazette act 23100147 (02-08-2023)

Current
01-07-2023 → present
FEYNMANLegal entity
Director· perm. rep.: Michael DE DECKER
State Gazette act 21079668 (05-07-2021)

Current
20-04-2021 → present
PAPILIOLegal entity
Director· perm. rep.: Ruth DE DECKER
State Gazette act 21079668 (05-07-2021)

Current
20-04-2021 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Legal Structure

NACE primary	Financial services(64210)
Legal form	Private limited company(610)
Incorporation	07-08-2017
Status	Active
Postal code	9240

Connections & network 6 connected companies

Group structure

DECKERLAND

Parent · 2 subsidiaries · 1 location

Control→

FEYNMAN

Parent · 5 subsidiaries · 1 location

Control→

PAPILIO

Parent · 2 subsidiaries · 1 location

Control→

MEMO

Subsidiary · 3 locations

→

Network connections

MEMO MEDICAL

Shared corporate director

→

OFFITEL

Shared corporate director

→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Establishment units 1 location

HOLDING MEMO

Lokerenbaan 70, 9240 ZeleHoldings

since 20172.267.497.734

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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
42028A1279/00E002	Flanders	401 m²	1 · 401 m²	16.6 m · 5 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.

Updates 17 events

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

2026

24-03-2026

State Gazette act Director changes

2025

22-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

2024

22-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

2023

02-08-2023

State Gazette act Director changes

v3.2

16-06-2023

NBB filing Annual accounts filed

fiscal year 2022 · verkort

2022

30-06-2022

NBB filing Annual accounts filed

fiscal year 2021 · verkort

2021

05-07-2021

State Gazette act Director changes

v3.2

19-04-2021

State Gazette act Registered-office change

v3.2

08-04-2021

State Gazette act Director changes

v3.2

07-04-2021

NBB filing Annual accounts filed

fiscal year 2020 · verkort

2020

30-06-2020

NBB filing Annual accounts filed

fiscal year 2019 · verkort

22-06-2020

State Gazette act Statutes amendment

v3.2

22-06-2020

State Gazette act Director changes

v3.2

2019

27-06-2019

NBB filing Annual accounts filed

fiscal year 2018 · verkort

2018

11-07-2018

State Gazette act Director changes

v3.2

28-06-2018

NBB filing Annual accounts filed

fiscal year 2017 · verkort

2017

09-08-2017

State Gazette act Incorporation

oprichting

Belgisch Staatsblad — acts 9 acts

Address history · 1

19-04-2021

v3.2

All acts · 9 updated 3 months ago

2026

24-03-2026 3 directors appointed Director changes

Michael DE DECKER — Vaste vertegenwoordiger
Leen APPELMANS — Dagelijks bestuur
Neelke DE VRIENDT — Dagelijks bestuur

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_in",
      "role": "vaste_vertegenwoordiger",
      "person": {
        "rrn": null,
        "name": "Michael DE DECKER",
        "address": "9200 Dendermonde, Emanuel Hielstraat 35",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "successor_conditional",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": "2026-01-01",
      "evidence_quote": "De vergadering bevestigt de kennisname van de notulen d.d. 31/12/2025 van het collegiaal bestuursorgaan van de besloten vennootschap \u0022PAPILIO\u0022",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": "Michael DE DECKER",
      "rep_rotation_old_rep": "Ruth DE DECKER",
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "delegation_dagelijks_bestuur_in",
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      "reason": null,
      "subkind": "confirmation",
      "via_org": {
        "kbo": "0875.430.542",
        "name": "VGD Accountants en Belastingconsulenten",
        "address": "9100 Sint-Niklaas, Gentse Baan 50",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
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      "evidence_quote": "De vergadering beslist om een volmacht te verlenen aan de besloten vennootschap \u0022VGD Accountants en Belastingconsulenten\u0022",
      "decharge_status": null,
      "mandate_duration": {
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      "rep_rotation_old_rep": null,
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    },
    {
      "kind": "delegation_dagelijks_bestuur_in",
      "role": "dagelijks_bestuur",
      "person": {
        "rrn": null,
        "name": "Neelke DE VRIENDT",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "confirmation",
      "via_org": {
        "kbo": "0875.430.542",
        "name": "VGD Accountants en Belastingconsulenten",
        "address": "9100 Sint-Niklaas, Gentse Baan 50",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De vergadering beslist om een volmacht te verlenen aan de besloten vennootschap \u0022VGD Accountants en Belastingconsulenten\u0022",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Luik",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2026-03-24",
    "filing_date": "2026-03-16",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2026-01-01",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0679.617.929",
    "name_full": "HOLDING MEMO",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0875.430.542",
    "org_name": "VGD Accountants en Belastingconsulenten BV",
    "person_name": null,
    "org_rep_person_name": "Neelke De Vriendt",
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}

2023

02-08-2023 Christine VASTENAVONDT appointed as director Director changes

Christine VASTENAVONDT — Bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Christine VASTENAVONDT",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0478440325",
        "name": "DECKERLAND",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2023-07-01",
      "evidence_quote": "De algemene vergadering beslist om met ingang van 1 juli 2023 als bestuurder van de vennootschap te benoemen voor onbepaalde duur de besloten vennootschap \u0022DECKERLAND\u0022, met zetel te 9200 Dendermonde Emanuel Hielstraat 35, ingeschreven in het rechtspersonenregister te Gent, afdeling Dendermonde onder"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0679.617.929",
    "name_full": "HOLDING MEMO",
    "legal_form": "BV"
  }
}

2021

05-07-2021 2 directors appointed Director changes

Ruth DE DECKER — Bestuurder
Michael DE DECKER — Bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Ruth DE DECKER",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0765153420",
        "name": "PAPILIO",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2021-04-20",
      "evidence_quote": "De enige aandeelhouder bevestigt de benoeming als bestuurders van de vennootschap, met ingang vanaf 20 april 2021, voor onbepaalde duur, van: 1) de besloten vennootschap \u0022PAPILIO\u0022, met zetel te 9240 Zele, Lokerenbaan 70, ingeschreven in het rechtspersonenregister te Gent, afdeling Dendermonde, onder"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Michael DE DECKER",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0869551946",
        "name": "FEYNMAN",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2021-04-20",
      "evidence_quote": "De enige aandeelhouder bevestigt de benoeming als bestuurders van de vennootschap, met ingang vanaf 20 april 2021, voor onbepaalde duur, van: ... 2) de besloten vennootschap \u0022FEYNMAN\u0022, met zetel te 9240 Zele, Lokerenbaan 70, ingeschreven in het rechtspersonenregister te Gent, afdeling Dendermonde on"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0679.617.929",
    "name_full": "HOLDING MEMO",
    "legal_form": "BV"
  }
}

19-04-2021 Registered office moved from Dendermonde to Zele Registered-office change

Emanuel Hielstraat 35, 9200 Dendermonde → Lokerenbaan 70, 9240 Zele

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Zele",
        "region": null,
        "street": "Lokerenbaan",
        "country": "BE",
        "postcode": "9240",
        "box_number": null,
        "street_number": "70"
      },
      "old_address": {
        "city": "Dendermonde",
        "region": null,
        "street": "Emanuel Hielstraat",
        "country": "BE",
        "postcode": "9200",
        "box_number": null,
        "street_number": "35"
      },
      "effective_date": "2021-03-22",
      "evidence_quote": "beslist de vergadering met eenparigheid van stemmen de zetel van de vennootschap vanaf heden te verplaatsen naar: Lokerenbaan 70. 9240 Zele"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0679.617.929",
    "name_full": "HOLDING MEMO",
    "legal_form": "BV"
  }
}

08-04-2021 Change in the board of directors Director changes

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0679.617.929",
    "name_full": "HOLDING MEMO",
    "legal_form": "BV"
  }
}

2020

22-06-2020 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Technical details

{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": false,
    "effective_date": "2020-05-29",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0679.617.929",
    "name_full": "HOLDING MEMO",
    "legal_form": "BVBA"
  },
  "signature_regime": null,
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}

22-06-2020 Change in the board of directors Director changes

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0679.617.929",
    "name_full": "HOLDING MEMO",
    "legal_form": "BVBA"
  }
}

2018

11-07-2018 Christine Vastenavondt appointed as manager Director changes

Christine Vastenavondt — Zaakvoerder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Christine Vastenavondt",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0567881154",
        "name": "Dedeck",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2018-04-01",
      "evidence_quote": "Dat benoemd werd tot niet-statutaire zaakvoerder met ingang van 1 april 2018 voor onbepaalde duur: De BVBA \u0027Dedeck\u0027, met zetel te 9200 Dendermonde, Emanuel Hielstraat 35, ingeschreven in het Rechtspersonenregister te Gent, afdeling Dendermonde en met als BTW nummer BE 0567.881.154."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0679.617.929",
    "name_full": "HOLDING MEMO",
    "legal_form": "BVBA"
  }
}

2017

09-08-2017 Incorporation of a new BV Incorporation

Summary: oprichting

Original publication ↗

Technical details

{
  "kind": "oprichting",
  "seat": "Emanuel Hielstraat 35, 9200 Dendermonde",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1957-03-12",
        "name": "VASTENAVONDT Christine Valerie Oscar",
        "niss": null,
        "address": "9200 Dendermonde, Emanuel Hielstraat 35"
      },
      "share_class": "Aandelen zonder nominale waarde",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 100620.32,
      "holder_person_name": "VASTENAVONDT Christine Valerie Oscar",
      "is_subscriber_only": false,
      "n_shares_subscribed": 186,
      "amount_subscribed_eur": 100620.32,
      "is_anonymous_silent_partner": false
    },
    {
      "org": {
        "kbo": null,
        "name": "De Decker Vincent Joannes Nora Maria en VASTENAVONDT Christine Valerie Oscar (huwgemeenschap)"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "Aandelen zonder nominale waarde",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": "De Decker Vincent Joannes Nora Maria en VASTENAVONDT Christine Valerie Oscar (huwgemeenschap)",
      "contribution_type": "cash",
      "amount_paid_in_eur": 46801.42,
      "holder_person_name": null,
      "is_subscriber_only": false,
      "n_shares_subscribed": 46,
      "amount_subscribed_eur": 46801.42,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 147421.74,
  "subject_company": {
    "kbo": "0679.617.929",
    "name_full": "HOLDING MEMO",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2017-07-31",
  "post_incorporation_mandates": []
}

Credit advice verdict per customer and amount

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300

Primary activity highlighted.

Names & trade names

Legal nameNL

HOLDING MEMO

Registered office

Lokerenbaan 70

9240 Zele, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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