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Checked.be
Complete company report
Generated 13-08-2026
Active BE 0406.517.102Non-profit association

INSTITUT JULES DESTREE

Rue Saint-Nicolas 24 ·5000 Namur, Belgium· 87 yrs active
Sector: Overige activiteiten op het gebied van drukwerk (18120)
Conclusion Checked

The computed 12-month bankruptcy probability of INSTITUT JULES DESTREE is < 0.1% (very low). The 2019 annual accounts show equity of €91k and a net result of €-146k. The company has been active since 1938 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €91k
Net result €-146k
Staff (FTE) 5.6
Active 87 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health30Profitability0Solvency24Growth52Stability100
41 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 30
Profitability 0
Solvency 24
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
< 0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Annual accounts: weaker financial profile +Long track record −

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 2 signals
Long-established
Founded in 1938, 87 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 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 2019 · computed
30 / 100 Weak
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.

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Computed by Checked from the NBB filing for FY 2019. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 30-12-2020 with the NBB · fiscal year 2019 · volledig
€-150k€-100k€-50k€0Operating result 2018: €-102k€-102kNet result 2018: €-87k€-87kOperating result 2019: €-58k€-58kNet result 2019: €-146k€-146k20182019
Operating resultNet result
EBITDA
€-51k
+49.5% 18-19
Net profit
€-146k
-67.0% 18-19
Cash flow
€-139k
-61.2% 18-19
Total assets
€547k
+73.7% 18-19
Equity
€91k
+115.5% 18-19
Working capital
€-91k
-81.4% 18-19
Employees (FTE)
6
+19.1% 18-19
Debt
€456k
+67.2% 18-19
Debt ≤ 1y
€349k
+58.1% 18-19
Current ratio
0.74
-4.3% 18-19
Quick ratio
0.74
-4.3% 18-19
Solvency
16.7%
+24.1% 18-19
ROE
-159.9%
+22.5% 18-19
ROA
-26.7%
+3.8% 18-19
Figures by fiscal year
Fiscal year2019
Depositvolledig
Revenue-
EBITDA€-51k
Net profit€-146k
Cash flow€-139k
Staff costs-
Income taxes-
Dividends-
Total assets€547k
Equity€91k
Debt€456k
of which ≤ 1y€349k
of which > 1y-
Working capital€-91k
Employees (FTE)5.6
Ratios (computed)
2019
Current ratio0.74
Quick ratio0.74
Working capital ratio-16.7%
Solvency16.7%
Debt / equity-
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-26.7%
ROE-159.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2019
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2019
Balance sheet, Assets
TOTAL ASSETS 20/58€547k
Fixed assets 21/28€289k
Intangible fixed assets 21€4k
Tangible fixed assets 22/27€286k
Current assets 29/58€258k
Stocks & contracts in progress 3€492
Amounts receivable within one year 40/41€255k
Cash & bank 54/58€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€547k
Equity 10/15€91k
Accumulated profits (losses) 14€-146k
Amounts payable 17/49€456k
Amounts payable within one year 42/48€349k
Trade debts payable within one year 44€125k
Income statement
Gross operating margin 9900€424k
Operating result 9901€-58k
Financial income 75€0
Financial charges 65€5k
Result before taxes 9903€-63k
Net result for the period 9904€-59k
Result to be appropriated 9905€-59k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 4 directors
Directors derived from a single State Gazette act, under verification
All 4 current directors first appear in the same act (25093496). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • Bernadette Mérenne-Schoumaker
    Vice-chair
    State Gazette act 25093496 (23-07-2025)
    Current
    23-07-2025 → present
  • Paul Delforge
    Director (executive)
    State Gazette act 25093496 (23-07-2025)
    Current
    23-07-2025 → present
  • Philippe Destatte
    Director (executive)
    State Gazette act 25093496 (23-07-2025)
    Current
    23-07-2025 → present
    2 events
    • 23-07-2025 Appointed· Director (executive)
    • 23-07-2025 Appointed· Chair
  • Serge Roland
    Director (executive)
    State Gazette act 25093496 (23-07-2025)
    Current
    23-07-2025 → present
    2 events
    • 23-07-2025 Appointed· Director (executive)
    • 23-07-2025 Appointed· Treasurer
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Overige activiteiten op het gebied van drukwerk(18120)
Legal form Non-profit association(017)
Incorporation29-10-1938
StatusActive
Postal code5000
Establishment units 1 location
INSTITUT JULES DESTREE
Rue Saint-Nicolas 24, 5000 NamurOverige verenigingen, n.e.g.
since 20032.179.123.509
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 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92094C0475/00W002
ProtectedMonument
 Wallonia 621 m² 1 · 278 m² 16.2 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 11 events

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

2025
23-07-2025
State Gazette act Director changes
2020
30-12-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
04-09-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
11-12-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
07-12-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
29-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
11-08-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
2014
05-08-2014
NBB filing Annual accounts filed
fiscal year 2013 · volledig
2013
02-08-2013
NBB filing Annual accounts filed
fiscal year 2012 · volledig
2012
09-07-2012
NBB filing Annual accounts filed
fiscal year 2011 · volledig
2011
24-05-2011
NBB filing Annual accounts filed
fiscal year 2010 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
23-07-2025 10 directors appointed Director changes
  • Paul Delforge, Directeur
  • Philippe Destatte, Directeur
  • Serge Roland, Directeur
  • Philippe Destatte, Voorzitter
  • Bernadette Mérenne-Schoumaker, Ondervoorzitter
  • Serge Roland, Penningmeester
  • Paul Delforge, Directeur
  • Philippe Destatte, Directeur
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Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Overige drukkerijen18120Overige activiteiten op het gebied van drukwerk18120Overige drukkerijen22220Overige verenigingen, n.e.g.91330Overige verenigingen, n.e.g.94999Overige verenigingen, neg94999
Primary activity highlighted.
Names & trade names
Legal nameFR INSTITUT JULES DESTREE
Registered office
Rue Saint-Nicolas 24
5000 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative