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Complete company report
Generated 08-08-2026
Active BE 0639.955.916Private limited companyOpen bankruptcy

LAUVANS

Rue de l'Yser(TOU) 42 ·7500 Tournai, Belgium· 10 yrs active
Sector: Cafés (56301)
Conclusion Checked

A bankruptcy procedure is open for LAUVANS according to publications in the Belgian State Gazette. The 2023 annual accounts show negative equity (€-64k) and a net result of €-20k.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €-64k
Net result €-20k
Staff (FTE) 0.4
Better than sector 8%
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency50Growth58Stability0
42 / 100

Fragile profile, watch health in particular.

Health 0
Profitability 100
Solvency 50
Growth 58
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 risk
Components
· Open bankruptcy (+50)
Trust signals 1 signals
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 events
No administrative flags
Health barometer FY 2023 · computed
0 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview6 NBB filings
Annual accounts filed on 07-08-2024 with the NBB · fiscal year 2023 · micro
€-80k€-60k€-40k€-20k€0€20kOperating result 2019: €-3k€-3kNet result 2019: €-56k€-56kOperating result 2020: €-8k€-8kNet result 2020: €-65k€-65kOperating result 2021: €12k€12kNet result 2021: €11k€11kOperating result 2022: €-8k€-8kNet result 2022: €-8k€-8kOperating result 2023: €-18k€-18kNet result 2023: €-20k€-20k20192020202120222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -157.9% 16.8%
better than 8% of 4773 sector peers
Net result €-20k €2k
better than 17% of 4764 sector peers
Equity €-64k €11k
better than 7% of 4787 sector peers
Gross operating margin €3k €42k
better than 20% of 4747 sector peers
Staff costs €16k €47k
higher than 27% of 3395 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-15k
-264.7% far below sector median
Net profit
€-20k
-157.2% far below sector median
Cash flow
€-16k
-300.1% far below sector median
Total assets
€40k
+9.8% -69% vs sector
Equity
€-64k
-46.0% far below sector median
Working capital
€7k
- -93% vs sector
Employees (FTE)
0
-63.6% -89% vs sector
Staff costs
€16k
-42.6% -87% vs sector
Debt
€104k
+29.4% far above sector median
Debt ≤ 1y
€27k
-39.3% +7% vs sector
Debt > 1y
€77k
+112.6% +54% vs sector
Current ratio
1.25
+111.1% -74% vs sector
Quick ratio
1.16
+261.4% -75% vs sector
Solvency
-157.9%
-33.0% far below sector median
Debt / equity
-1.63
+11.3% far below sector median
ROE
31.5%
+76.2% far above sector median
ROA
-49.8%
-134.2% far below sector median
Interest coverage
-8.71
-224.1% far below sector median
Figures by fiscal year
Fiscal year2023
Revenue-
EBITDA€-15k
Net profit€-20k
Cash flow€-16k
Staff costs€16k
Income taxes-
Dividends-
Total assets€40k
Equity€-64k
Debt€104k
of which ≤ 1y€27k
of which > 1y€77k
Working capital€7k
Employees (FTE)0.4
Ratios (computed)
2023
Current ratio1.25
Quick ratio1.16
Working capital ratio16.7%
Solvency-157.9%
Debt / equity-1.63
Long-term debt ratio-1.21
Interest coverage-8.71
Gross margin-
Net margin-
ROA-49.8%
ROE31.5%
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€40k
Fixed assets 21/28€7k
Tangible fixed assets 22/27€7k
Financial fixed assets 28€0
Current assets 29/58€33k
Stocks & contracts in progress 3€2k
Amounts receivable within one year 40/41€25k
Cash & bank 54/58€6k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€40k
Equity 10/15€-64k
Contributions / capital 10/11€19k
Accumulated profits (losses) 14€-82k
Amounts payable 17/49€104k
Amounts payable after one year 17€77k
Amounts payable within one year 42/48€27k
Trade debts payable within one year 44€25k
Income statement
Gross operating margin 9900€3k
Operating result 9901€-18k
Financial income 75€117
Financial charges 65€2k
Result before taxes 9903€-20k
Net result for the period 9904€-20k
Result to be appropriated 9905€-20k
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 & mandates1 person
Role Name Tenure Source
Curator ANNE-VERONIQUE DE BRUYNE
RUE SAINT- BRUNO 3, 7500 TOURNAI- . Date provisoire de cessation de paiement : 01/04/2025
 01-04-2025 → present Belgian State Gazette
Legal Structure
NACE primary Cafés(56301)
Legal form Private limited company(610)
Incorporation06-10-2015
StatusActive
Postal code7500
First BS signal 07-04-2025
Latest BS signal 07-04-2025
Company structure, linked entities1 linked entities
LAUVANSBE 0639.955.916ANNE-VERONIQUE DE BRU…Receiver
Mandates
Establishment units 1 location
LAUVANS
Rue de l'Yser(TOU) 42, 7500 TournaiHandelsbemiddeling in voedings- en genotmiddelen
since 20152.246.986.291
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.
57081F0029/00B000 Wallonia 322 m² 1 · 187 m² 18.2 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 10 events

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

2025
07-04-2025
Bankruptcy Opening
Tribunal de l’entreprise du Hainaut, division Tournai · LAUVANS SRL RUE DE L’YSER 42, 7500 TOURNAI · event 01-04-2025
2024
07-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
02-01-2024
State Gazette act Director changes
Cindy SCHOONE
2023
15-12-2023
State Gazette act Director changes
31-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
10-05-2023
State Gazette act Director changes
2022
29-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
18-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
29-10-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2018
21-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
Lifecycle & Insolvency Signals 1 events
07-04-2025
Bankruptcy Opening
Date: 01-04-2025 · Tribunal de l’entreprise du Hainaut, division Tournai · LAUVANS SRL RUE DE L’YSER 42, 7500 TOURNAI · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-04-07 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 2 years ago
2024
02-01-2024 3 resigning, 2 reappointed Director changes·Cindy SCHOONE
  • LAURENT Pauline, Gedelegeerd bestuurder
  • VANSUYPEENE Florent James Sébastien, Gedelegeerd bestuurder
  • Annabelle Masselis, Gedelegeerd bestuurder
  • LAURENT Pauline, Gedelegeerd bestuurder
  • VANSUYPEENE Florent James Sébastien, Gedelegeerd bestuurder
Notary: Cindy SCHOONE · PéruwelzFirm: Notaire Cindy Schoone
Technical details 
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        "name": "Annabelle Masselis",
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      },
      "reason": null,
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      "evidence_quote": "A titre informatif, Madame Annabelle Masselis, (...) \u00E0 59551 Attiches a \u00E9t\u00E9 nomm\u00E9e administratrice \u00E0 titre gratuit suivant AG du 15/11/23, publi\u00E9e le 15/12/23 pour 5 ans.",
      "decharge_status": null,
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  "notary": {
    "name": "Cindy SCHOONE",
    "firm_city": null,
    "firm_name": "Notaire Cindy Schoone",
    "office_city": "P\u00E9ruwelz",
    "is_associated": true
  },
  "act_meta": {
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    "pub_date": "2024-01-02",
    "filing_date": "2023-12-27",
    "act_kind_objet": "Objet de l\u0027acte:"
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  "decisions": [
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      "date": "2023-12-27",
      "unanimous": true
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  "is_correction": false,
  "subject_company": {
    "kbo": "0639.955.916",
    "name_full": "BELLECO",
    "legal_form": "SRL"
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  "publication_proxy": {
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}
2023
15-12-2023 Annabelle MASSELIS appointed as director Director changes
  • Annabelle MASSELIS, Bestuurder
Technical details 
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      "role": "bestuurder",
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        "name": "Annabelle MASSELIS",
        "address": "Rue de la Cerisaie 2 \u00E0 59551 Attiches (France)",
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      "reason": null,
      "subkind": "regular",
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      "compensated": false,
      "effective_date": "2023-11-15",
      "evidence_quote": "L\u0027assembl\u00E9e d\u00E9cide \u00E0 l\u0027unanimit\u00E9 de nommer Madame Annabelle MASSELIS, domicili\u00E9e Rue de la Cerisaie 2 \u00E0 59551 Attiches (France), comme administrateur. Son mandat sera gratuit et prendra court \u00E0 compter du 15 novembre 2023 pour se terminer de plein droit le 30 novembre 2028.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_date",
        "value": "2028-11-30"
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  "act_meta": {
    "language": "fr",
    "pub_date": "2023-12-15",
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    "act_kind_objet": "NOMINATION"
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}
10-05-2023 2 directors appointed, 2 resigning Director changes
  • LAURENT Pauline, Bestuurder
  • VANSUYPEENE Florent, Bestuurder
  • BELLEMENT Maxime, Bestuurder
  • BELLEMENT Christian, Bestuurder
Technical details 
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  "is_correction": false,
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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.
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Company registry (CBE) Crossroads Bank
Activities
Cafés en bars56301Cafés en bars56301
Primary activity highlighted.
Names & trade names
Legal nameFR LAUVANS
Registered office
Rue de l'Yser(TOU) 42
7500 Tournai, 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