Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for REFERANZ according to publications in the Belgian State Gazette. The 2021 annual accounts show equity of €24k and a net result of €-775.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 eventsSignals
Insufficient current data: the most recent filed accounts (financial year 2021) are too old to derive current signals.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | nothing on record | not filed | - |
| 31-12-2022 | 31-07-2023 | nothing on record | not filed | - |
| 31-12-2021 | 31-07-2022 | 06-02-2023 | 190 d late | 2023-00023417 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-60500556 |
| 31-12-2019 | 31-07-2020 | 20-10-2020 | 81 d late | 2020-62200122 |
| 31-12-2018 | 31-07-2019 | 09-12-2019 | 131 d late | 2019-75700131 |
| 31-12-2017 | 31-07-2018 | 30-04-2019 | 273 d late | 2019-11800506 |
| 31-12-2016 | 31-07-2017 | 24-08-2017 | 24 d late | 2017-50800412 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Financials
Annual accounts & ratios
Source: NBB · 2021| Fiscal year | 2021 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-7 |
| Net profit | €-775 |
| Cash flow | €-571 |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €32k |
| Equity | €24k |
| Debt | €8k |
| of which ≤ 1y | €8k |
| of which > 1y | - |
| Working capital | €24k |
| Employees (FTE) | - |
| 2021 | |
|---|---|
| Current ratio | 4.01 |
| Quick ratio | 4.01 |
| Working capital ratio | 73.2% |
| Solvency | 75.7% |
| Debt / equity | 0.32 |
| Long-term debt ratio | - |
| Interest coverage | 0.00 |
| Gross margin | - |
| Net margin | - |
| ROA | -2.4% |
| ROE | -3.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2021 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €32k |
| Fixed assets | 21/28 | €809 |
| Tangible fixed assets | 22/27 | €646 |
| Financial fixed assets | 28 | €163 |
| Current assets | 29/58 | €32k |
| Amounts receivable within one year | 40/41 | €28k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €32k |
| Equity | 10/15 | €24k |
| Contributions / capital | 10/11 | €6k |
| Reserves | 13 | €19k |
| Accumulated profits (losses) | 14 | €-775 |
| Amounts payable | 17/49 | €8k |
| Amounts payable within one year | 42/48 | €8k |
| Trade debts payable within one year | 44 | €6k |
| Income statement | ||
| Gross operating margin | 9900 | €881 |
| Operating result | 9901 | €-211 |
| Financial income | 75 | €1k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €-775 |
| Net result for the period | 9904 | €-775 |
| Result to be appropriated | 9905 | €-775 |
Health barometer
FY 2021 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Directors
Directors & mandates
4 acts for this company are in the Belgian State Gazette, of which we have read 0. This is therefore not a statement about the company: we have not extracted its directors from those acts yet.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | ALINE BEELEN RUE DE ROBIANO 62, 7130 BINCHE-
.
Date provisoire de cessation de paiement : 24/06/2024 |
24-06-2024 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit(43222) |
| Legal form | Private limited company(610) |
| Incorporation | 06-10-2015 |
| Status | Active |
| Postal code | 6110 |
| First BS signal | 28-06-2024 |
| Latest BS signal | 28-06-2024 |
Structure & network
Ownership & control
No ownership or control structure found in the sources.
For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.
1 court or liquidation mandate is on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankThis address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Gozée 3236110 Montigny-le-TilleulEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52048A0135/00W009 | Wallonia | 922 m² | 1 · 49 m² | 9.3 m · 3 fl. |
Publications
Lifecycle & Insolvency Signals
1 event from the State GazetteTime machine: BS events + macro context
2021-2026Belgisch Staatsblad · acts
1 acts09-04-2024 Transaction in capital or shares
Analysis
Snowflake analysis
financial profile on 5 axesFragile profile, watch health in particular.
All 5 axes are computed from data Checked has read.
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
AI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameFR | REFERANZ |