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Complete company report
Generated 09-08-2026
Active BE 0824.383.006Public limited company

SA ESPERANZA

Avenue Jean Lambert 10 ·4801 Verviers, Belgium· 16 yrs active
Sector: Financial services (64210)
Conclusion Checked

SA ESPERANZA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2010 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 16 yrs
Locations 1
Publications 1
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Established
Founded in 2010, 16 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
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
31-03-2025 volledig 29-10-2025 2025-00557499
31-03-2024 volledig 30-10-2024 2024-00520466
31-03-2023 volledig 27-10-2023 2023-00497212
31-03-2022 volledig 20-10-2022 2022-20473189
31-03-2021 volledig 19-10-2021 2021-72400344
31-03-2020 volledig 14-10-2020 2020-61500310
31-03-2019 volledig 28-10-2019 2019-72200508
31-03-2018 volledig 23-10-2018 2018-70000073
31-03-2017 volledig 27-10-2017 2017-68100525
31-03-2016 volledig 05-10-2016 2016-64700004
Legal Structure
NACE primary Financial services(64210)
Legal form Public limited company(014)
Incorporation29-03-2010
StatusActive
Postal code4801
Establishment units 1 location
AD DELHAIZE STEMBERT
Avenue Jean Lambert 10, 4801 VerviersOntwikkeling van residentiële bouwprojecten
since 20102.187.500.943
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.
63074A0667/00N009 Wallonia 6,738 m² 1 · 1,536 m² -
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.

2025
29-10-2025
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2024
30-10-2024
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2023
27-10-2023
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2022
20-10-2022
NBB filing Annual accounts filed
fiscal year 2022 · volledig
06-04-2022
State Gazette act Director changes
Véronique SMETS
2021
19-10-2021
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2020
14-10-2020
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2019
28-10-2019
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2018
23-10-2018
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2017
27-10-2017
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2016
05-10-2016
NBB filing Annual accounts filed
fiscal year 2016 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 4 years ago
2022
06-04-2022 3 directors appointed Director changes·Véronique SMETS
  • Paolino MUNIS, Directeur
  • Christiane FORZEE, Directeur
  • SRL VANILLIER, Directeur
Notary: Véronique SMETS · Herve
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
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameFR SA ESPERANZA
Registered office
Avenue Jean Lambert 10
4801 Verviers, 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