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Complete company report
Generated 19-08-2026
Active BE 0893.802.540Private limited company

PATRIMONIA FD

Place d'Harveng 5 ·7022 Mons, Belgium· 18 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of PATRIMONIA FD is 1.1% (low). The company has been active since 2007 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 18 yrs
Board 2
Locations 1
Publications 2
Bankruptcy probability (12 mo) Checked model v1 · free
1.1% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Long track record −Higher-failure-rate region +

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
Established
Founded in 2007, 18 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 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.
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (volledig). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2025 volledig 18-05-2026 2026-00119335
31-12-2024 micro 20-08-2025 2025-00394850
31-12-2023 micro 07-08-2024 2024-00342241
31-12-2022 micro 26-07-2023 2023-00272026
31-12-2021 micro 28-11-2022 2022-20528704
31-12-2020 micro 23-06-2021 2021-23600432
31-12-2019 micro 08-06-2020 2020-15600561
31-12-2018 micro 27-06-2019 2019-26300499
31-12-2017 micro 10-09-2018 2018-62800283
31-12-2016 micro 03-07-2017 2017-28000525
Directors & mandates 3 directors
Current directors & mandates
  • DESCAMPS François-Xavier
    Director
    State Gazette act 24170328 (02-12-2024)
    Current
    02-12-2024 → present
  • SRL DESCAMPS HOLDINGLegal entity
    Director· perm. rep.: DESCAMPS François-Xavier
    State Gazette act 23485668 (28-12-2023)
    Current
    28-12-2023 → present
    2 events
    • 28-12-2023 Appointed· Director
    • 28-12-2023 Resigned· Manager
Former directors (1)
  • DESCAMPS HOLDING
    Director
    State Gazette act 24170328 (02-12-2024)
    Former
    - → 01-10-2024
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 -
Legal form Private limited company(610)
Incorporation28-11-2007
StatusActive
Postal code7022
Establishment units 1 location
PATRIMONIA B&D
Avenue du Général de Gaulle 42, 7000 MonsHandel in onroerend goed
since 20072.198.423.242
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.
53035A0272/00C000 Wallonia 2,002 m² 1 · 148 m² 8.8 m · 2 fl.
53053D0218/00F067 Wallonia 97 m² 1 · 97 m² 13.0 m · 4 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 12 events

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

2026
18-05-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
20-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
02-12-2024
State Gazette act Director changes
07-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
28-12-2023
State Gazette act Director changes
Jean-Marc Michiels
26-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
28-11-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
23-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
08-06-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
27-06-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
10-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
03-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
Belgian State Gazette reading coverage 0 of 8 acts read

We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2024
02-12-2024 1 director appointed, 1 resigning Director changes
  • DESCAMPS François-Xavier, Bestuurder
  • DESCAMPS HOLDING, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": "BE0536.942.114",
        "name": "DESCAMPS HOLDING",
        "address": "Place d\u0027Harveng, 5 \u00E0 7022 Mons (Harveng)",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": "2024-10-01",
      "evidence_quote": "l\u0027assembl\u00E9e g\u00E9n\u00E9rale des actionnaires prend acte et accepte la d\u00E9mission de DESCAMPS HOLDING (BE0536.942.114), dont le si\u00E8ge social est \u00E0 Place d\u0027Harveng, 5 \u00E0 7022 Mons (Harveng) de son mandat d\u0027administrateur de la soci\u00E9t\u00E9 avec effet au 1er OCTOBRE 2024, et lui accorde d\u00E9charge de ses actes de gest",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": "69.05.26-115.07",
        "name": "DESCAMPS Fran\u00E7ois-Xavier",
        "address": "Place d\u0027Harveng, 5 \u00E0 7022 Mons",
        "birth_date": "1969-05-26",
        "profession": "administrateur",
        "birth_place": null
      },
      "reason": null,
      "subkind": "successor_conditional",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "l\u0027assembl\u00E9e g\u00E9n\u00E9rale des actionnaires proc\u00E8de \u00E0 l\u0027\u00E9lection de l\u0027administrateur suivant pour une dur\u00E9e ind\u00E9termin\u00E9e \u00E0 partir de la date d\u0027aujourd\u0027hui : -Monsieur DESCAMPS Fran\u00E7ois-Xavier, n\u00E9e le 26 MAI 1969, inscrite au registre national sous le num\u00E9ro 69.05.26-115.07, domicili\u00E9e \u00E0 Place d\u0027Harveng, 5",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_granted",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "DESCAMPS Fran\u00E7ois-Xavier",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "A l\u0027unanimit\u00E9 des voix, l\u0027assembl\u00E9e g\u00E9n\u00E9rale des actionnaires d\u00E9cide que son mandat sera r\u00E9mun\u00E9r\u00E9.",
      "decharge_status": "granted",
      "mandate_duration": 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": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2024-11-18",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-10-01",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0893.802.540",
    "name_full": "PATRIMONIA B\u0026D",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Monsieur DESCAMPS Fran\u00E7ois-Xavier",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
28-12-2023 1 director appointed, 1 resigning Director changes·Jean-Marc Michiels
  • DESCAMPS François-Xavier, Bestuurder
  • SRL DESCAMPS HOLDING, Zaakvoerder
Notary: Jean-Marc Michiels · Mons
Technical details 
{
  "events": [
    {
      "kind": "decharge_pending",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cidera \u00E0 la prochaine assembl\u00E9e g\u00E9n\u00E9rale annuelle sur la d\u00E9charge au g\u00E9rant d\u00E9missionnaire pour l\u2019ex\u00E9cution de son mandat.",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "DESCAMPS Fran\u00E7ois-Xavier",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "renewal",
      "subkind": "renewal",
      "via_org": {
        "kbo": null,
        "name": "SRL DESCAMPS HOLDING",
        "address": null,
        "country": null,
        "legal_form": "SRL"
      },
      "statutory": "statutair",
      "compensated": true,
      "effective_date": null,
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction de g\u00E9rant actuel de la SRL DESCAMPS HOLDING et proc\u00E8de imm\u00E9diatement au renouvellement de sa nomination comme administrateur pour toute la dur\u00E9e de la soci\u00E9t\u00E9.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_out",
      "role": "gerant",
      "person": null,
      "reason": "end_of_term",
      "subkind": null,
      "via_org": {
        "kbo": null,
        "name": "SRL DESCAMPS HOLDING",
        "address": null,
        "country": null,
        "legal_form": "SRL"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction de g\u00E9rant actuel de la SRL DESCAMPS HOLDING",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Jean-Marc Michiels",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Mons",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2023-12-28",
    "filing_date": "2023-12-26",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0893.802.540",
    "name_full": "PATRIMONIA B\u0026D",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Jean-Marc MICHIELS",
    "org_rep_person_name": null,
    "person_role_at_subject": "notaire"
  },
  "co_filed_documents": [
    "exp\u00E9dition du proc\u00E8s-verbal",
    "statuts coordonn\u00E9s"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR PATRIMONIA FD
Registered office
Place d'Harveng 5
7022 Mons, 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