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Complete company report
Generated 14-08-2026
Active BE 0419.306.056Non-profit association

La Pioche

Rue Royale 95 ·6030 Charleroi, Belgium· 47 yrs active
Sector: Activiteiten van centra voor geestelijke gezondheidszorg (86933)
Conclusion Checked

The computed 12-month bankruptcy probability of La Pioche is < 0.1% (very low). The 2023 annual accounts show equity of €88k and a net result of €17k. Equity is shrinking by ~19.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 34% of 225 sector peers (fiscal year 2023). The company has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €88k
Net result €17k
Staff (FTE) 11.8
Better than sector 34%
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health94Profitability99Solvency68Growth32Stability100
79 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94
Profitability 99
Solvency 68
Growth 32
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 −Lower-failure-rate sector −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 1979, 47 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 2023 · computed
94 / 100 Excellent
050100
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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 24-09-2024 with the NBB · fiscal year 2023 · volledig
€-50k€0€50k€100kOperating result 2019: €7k€7kNet result 2019: €105k€105kOperating result 2020: €-15k€-15kNet result 2020: €89k€89kOperating result 2021: €4k€4kNet result 2021: €3k€3kOperating result 2022: €-22k€-22kNet result 2022: €-23k€-23kOperating result 2023: €18k€18kNet result 2023: €17k€17k20192020202120222023
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining At this pace, equity would indicatively turn negative around fiscal year 2026, assuming unchanged policy.
€-50k€0€50k€100k€150k2024: €39k (€28k - €51k)2025: €18k (€-967 - €36k)2026: €-4k (€-30k - €22k)2018: €170k2019: €155k2020: €120k2021: €105k2022: €72k2023: €88k201820192020202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 86, Human health · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 36.0% 52.2%
better than 34% of 225 sector peers
Net result €17k €51k
better than 29% of 223 sector peers
Equity €88k €119k
better than 42% of 225 sector peers
Gross operating margin €906k €144k
better than 88% of 221 sector peers
Staff costs €886k €157k
higher than 79% of 108 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€20k
- 18-23
Net profit
€17k
- 18-23
Cash flow
€19k
- 18-23
Total assets
€245k
+10.1% 18-23
Equity
€88k
+21.9% 18-23
Working capital
€86k
+26.0% 18-23
Employees (FTE)
12
+2.6% 18-23
Staff costs
€886k
+1.2% 18-23
Debt
€157k
+4.4% 18-23
Debt ≤ 1y
€157k
+4.4% 18-23
Debt > 1y
€7k
0.0% 18-23
Current ratio
1.55
+6.5% 18-23
Quick ratio
1.55
+6.5% 18-23
Solvency
36.0%
+10.8% 18-23
Debt / equity
1.78
-14.4% 18-23
ROE
19.7%
- 18-23
ROA
7.1%
- 18-23
Interest coverage
24.33
- 18-23
Figures by fiscal year
Fiscal year2023
Depositvolledig
Revenue-
EBITDA€20k
Net profit€17k
Cash flow€19k
Staff costs€886k
Income taxes-
Dividends-
Total assets€245k
Equity€88k
Debt€157k
of which ≤ 1y€157k
of which > 1y-
Working capital€86k
Employees (FTE)11.8
Ratios (computed)
2023
Current ratio1.55
Quick ratio1.55
Working capital ratio35.1%
Solvency36.0%
Debt / equity1.78
Long-term debt ratio-
Interest coverage24.33
Gross margin-
Net margin-
ROA7.1%
ROE19.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€245k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€2k
Financial fixed assets 28€250
Current assets 29/58€243k
Amounts receivable within one year 40/41€213k
Investments 50/53€7k
Cash & bank 54/58€21k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€245k
Equity 10/15€88k
Accumulated profits (losses) 14€87k
Amounts payable 17/49€157k
Amounts payable within one year 42/48€157k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€906k
Operating result 9901€18k
Financial income 75€32
Financial charges 65€824
Result before taxes 9903€17k
Net result for the period 9904€17k
Result to be appropriated 9905€17k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • Mottier Bernard
    Director
    State Gazette act 23167185 (28-12-2023)
    Former
    - → 28-12-2023
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 Activiteiten van centra voor geestelijke gezondheidszorg(86933)
Legal form Non-profit association(017)
Incorporation28-02-1979
StatusActive
Postal code6030
Establishment units 1 location
La Pioche
Rue Royale 95, 6030 CharleroiActiviteiten op het vlak van geestelijke gezondheidszorg, m.u.v. psychiatrische ziekenhuizen en verzorgingstehuizen
since 19792.160.229.689
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.
52382A0024/00A608 Wallonia 855 m² 1 · 112 m² 11.7 m · 3 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 11 events

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

2024
24-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
28-12-2023
State Gazette act Director changes
19-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2022
20-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
25-10-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
14-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
21-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
02-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
02-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
26-09-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
17-07-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
28-12-2023 1 director appointed, 1 resigning, 7 reappointed Director changes
  • Cammarata Isabelle, Dagelijks bestuur
  • Mottier Bernard, Bestuurder
  • Leclef Hélène, Bestuurder
  • Nicolas Emmanuel, Bestuurder
  • de Reuck Anne, Bestuurder
  • Godart Luc, Bestuurder
  • Leclef Hélène, Bestuurder
  • Nicolas Emmanuel, Bestuurder
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

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

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Activiteiten op het vlak van geestelijke gezondheidszorg, m.u.v. psychiatrische ziekenhuizen en verzorgingstehuizen86904Activiteiten van centra voor geestelijke gezondheidszorg86933
Primary activity highlighted.
Names & trade names
Legal nameFR La Pioche
Registered office
Rue Royale 95
6030 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative