STUDYCOACH
Open bankruptcyAre you a creditor?
The judgment is more than a year old: a claim can no longer be filed, not even late. The trustee knows whether anything will still be paid out.
The procedure
- Court
- Enterprise Court of Hainaut, Mons division
- Declared bankrupt
- 20 August 2024
- Supervising judge
- Nadine Scoyez
- Official Gazette
- 27-08-2024 (pdf) ↗search the document for 2024/132910
Deadlines
- Provisional date payments stopped
- 20 August 2024A later judgment can change the date.art. XX.105, Code of Economic Law
- Appeal or third-party opposition until
- passed on 11 September 2024Fifteen days after the publication in the Official Gazette.art. XX.108, Code of Economic Law
- File the claim in RegSol, the Belgian insolvency register, until
- passed on 19 September 2024art. XX.104 and XX.155, Code of Economic Law
- First verification report
- passed on 19 October 2024Reclaim goods that are still yours, such as goods delivered under retention of title, before this day.art. XX.104 and XX.194, Code of Economic Law
- Late claim until
- passed on 20 August 2025A late claim shares only in what has not yet been paid out, and you bear its costs.art. XX.165, Code of Economic Law
Trustee
- Tony BellaviaAvenue Des Expositions, 8A, 7000 Monsbellavia@bdmavocats.be
What to do now
- The deadlines to file your claim have passed, including for a late claim: that was possible until a year after the judgment.
- Ask the trustee whether anything will still be paid out and whether your claim was admitted.
- Follow the file in RegSol: the trustee's reports appear there.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered, subject to conditions.
The judgment is more than a year old: the deadline for a late claim (art. XX.165, Code of Economic Law) has passed too.
General information, not legal advice. If in doubt, the trustee, your lawyer or your accountant can help.Creditor guide for this company
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Overview
- Staff
- 24.2 FTE
- Equity
- -€1.2m
- Loss
- -€988,946
- Coach Consult & ExpertiseDirector · permanent representative Jean SAUSSEZ
Signalsraises riskOpen bankruptcy2023 accounts filed 36 days lateRestart patternShow the evidence
Signals
This company filed its last 7 accounts on average 33 days after the deadline; the sector median (NACE 71) for financial year 2023 is 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (1)
A company was founded shortly before or after the bankruptcy of another, with a director in both or at the same registered office.
- BankruptThis companyjudgment 20-08-2024
Coach Consult & Expertise was founded 7 months before the bankruptcy of this company. The annual accounts of both list Jean Saussez as director, and both had the same registered office.
- Jean Saussez listed as director in the annual accounts of both
- Same registered office (7331 Saint-Ghislain)
A pattern, not a judgment. A new start after a bankruptcy is often entirely legitimate. We show only facts from the KBO register, the Belgian Official Gazette, the director data and the annual accounts at the NBB; the same name in two sets of accounts is not necessarily the same person. What they mean calls for your own inquiry.
- Annual accounts filedfinancial year 2023 · full…
- OpeningEnterprise Court of Hainaut, Mons…
- Weakest financial yearnet -€988,946
Financials · financial year 2023, full format
2023 annual accounts filed late (36 days) Filed on 5 September 2024, deadline 31 July 2024 (7 months after the close on 31 December 2023, Companies Code art. 3:10). Source: NBB, 2024-00455010.
2019 to 2023, 5 financial years 2018 to 2023, 6 financial years
The operating result stays negative: a loss of €908,507 in 2023 against €515,520 in 2022; the loss grows and 2023 has the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 71, Architectural and engineering activities; technical testing and analysis: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €26 | €0.03m | €0.03m | ▲ 4.6% |
| Remuneration, social security and pensions62 | - | - | - | €1.3m | €1.7m | €2.0m | ▲ 19.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.07m | €0.09m | €0.08m | €0.08m | €0.1m | €0.1m | ▲ 0.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €0.08m | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | - | €0.06m | - |
| Other operating charges640/8 | - | - | - | €0.02m | €0.06m | €0.06m | ▲ 7.5% |
| Non-recurring operating charges66A | - | - | - | €0.006m | €0.06m | €0.02m | ▼ 58.7% |
| Gross operating margin9900 | €0.9m | €1.0m | €1.2m | €1.6m | €1.5m | €1.4m | ▼ 7.3% |
| Operating profit (loss)9901 | €0.06m | €0.03m | €0.06m | €0.2m | -€0.5m | -€0.9m | ▼ 76.2% |
| Financial income75/76B | - | - | - | €52 | €0.002m | €0.004m | ▲ 142% |
| Recurring financial income75 | €27 | €17 | €20 | €52 | €0.002m | €0.004m | ▲ 142% |
| Financial charges65/66B | - | - | - | €0.03m | €0.04m | €0.08m | ▲ 81.6% |
| Recurring financial charges65 | €0.04m | €0.03m | €0.03m | €0.03m | €0.04m | €0.08m | ▲ 81.6% |
| Profit (loss) for the period before taxes9903 | €0.02m | €0.002m | €0.03m | €0.1m | -€0.6m | -€1.0m | ▼ 76.5% |
| Transfer from deferred taxes780 | - | - | - | - | - | €2 | - |
| Income taxes67/77 | €0.02m | €0.01m | €0.02m | €0.05m | €0.006m | €0.004m | ▼ 33.8% |
| Profit (loss) for the period9904 | €0.001m | -€0.008m | €0.01m | €0.08m | -€0.6m | -€1.0m | ▼ 75.3% |
| Profit (loss) for the period to be appropriated9905 | €0.001m | -€0.008m | €0.01m | €0.08m | -€0.6m | -€1.0m | ▼ 75.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €1.2m | €1.2m | €1.4m | €1.7m | €2.2m | €1.6m | ▼ 25.1% |
| Fixed assets21/28 | €0.3m | €0.4m | €0.4m | €0.4m | €0.4m | €0.3m | ▼ 16.3% |
| Intangible fixed assets21 | €0.007m | €0.01m | €0.01m | €0.009m | €0.02m | €0.008m | ▼ 49.5% |
| Tangible fixed assets22/27 | €0.3m | €0.4m | €0.4m | €0.4m | €0.4m | €0.3m | ▼ 15.1% |
| Land and buildings22 | - | - | - | €0.2m | €0.2m | €0.2m | ▼ 9.5% |
| Plant, machinery and equipment23 | - | - | - | €0.005m | €0.02m | €0.02m | ▼ 28.5% |
| Furniture and vehicles24 | - | - | - | €0.1m | €0.09m | €0.06m | ▼ 26.9% |
| Leasing and similar rights25 | - | - | - | - | €0 | - | - |
| Other tangible fixed assets26 | - | - | - | €0.03m | €0.03m | €0.02m | ▼ 13.9% |
| Financial fixed assets28 | €0.003m | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Current assets29/58 | €0.9m | €0.8m | €1.0m | €1.3m | €1.8m | €1.3m | ▼ 27.1% |
| Amounts receivable after more than one year29 | - | - | - | €0.09m | - | - | - |
| Other amounts receivable291 | - | - | - | €0.09m | - | - | - |
| Amounts receivable within one year40/41 | €0.9m | €0.7m | €0.8m | €1.1m | €1.8m | €1.0m | ▼ 42.7% |
| Trade receivables40 | - | - | - | €1.0m | €1.5m | €0.9m | ▼ 37.5% |
| Other amounts receivable41 | - | - | - | €0.06m | €0.3m | €0.08m | ▼ 71.1% |
| Cash at bank and in hand54/58 | €0.03m | €0.05m | €0.08m | €0.08m | €0.008m | €0.2m | ▲ 29× |
| Deferred charges and accrued income490/1 | - | - | - | €0.003m | €0.01m | €0.07m | ▲ 399% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €1.2m | €1.2m | €1.4m | €1.7m | €2.2m | €1.6m | ▼ 25.1% |
| Equity10/15 | €0.3m | €0.3m | €0.3m | €0.4m | -€0.2m | -€1.2m | ▼ 512% |
| Contributions10/11 | €0.02m | €0.02m | - | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.1m | €0.1m | €0.1m | €0.2m | €0.2m | €0.2m | = |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | €0.002m | = |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | €0.002m | = |
| Tax-exempt reserves132 | - | - | - | €0.03m | €0.03m | €0.03m | = |
| Distributable reserves133 | - | - | - | €0.2m | €0.2m | €0.2m | = |
| Profit (loss) carried forward14 | €0.1m | €0.1m | €0.1m | €0.1m | -€0.4m | -€1.4m | ▼ 228% |
| Provisions and deferred taxes16 | - | - | - | - | €0.05m | €0.1m | ▲ 128% |
| Provisions for liabilities and charges160/5 | - | - | - | - | €0.05m | €0.1m | ▲ 128% |
| Environmental obligations163 | - | - | - | - | €0.05m | €0.1m | ▲ 128% |
| Amounts payable17/49 | €0.9m | €0.9m | €1.1m | €1.3m | €2.3m | €2.7m | ▲ 16.4% |
| Amounts payable after more than one year17 | €0.3m | €0.4m | €0.4m | €0.4m | €0.7m | €0.5m | ▼ 25.3% |
| Financial debts170/4 | - | - | - | €0.4m | €0.7m | €0.5m | ▼ 25.3% |
| Amounts payable within one year42/48 | €0.7m | €0.5m | €0.7m | €0.9m | €1.6m | €2.1m | ▲ 36.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.09m | €0.2m | €0.2m | ▲ 34.4% |
| Financial debts43 | - | - | - | €0.5m | €0.7m | €0.4m | ▼ 36.4% |
| Credit institutions430/8 | - | - | - | €0.5m | €0.7m | €0.4m | ▼ 36.4% |
| Trade debts44 | €0.2m | €0.05m | €0.1m | €0.1m | €0.3m | €0.4m | ▲ 34.1% |
| Suppliers440/4 | - | - | - | €0.1m | €0.3m | €0.4m | ▲ 34.1% |
| Advances received on contracts in progress46 | - | - | - | €0.01m | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | €0.3m | €0.4m | €1.1m | ▲ 147% |
| Taxes450/3 | - | - | - | €0.08m | €0.1m | €0.5m | ▲ 267% |
| Remuneration and social security454/9 | - | - | - | €0.2m | €0.3m | €0.5m | ▲ 85.2% |
| Other amounts payable47/48 | - | - | - | - | - | €0.02m | - |
| Accrued charges and deferred income492/3 | - | - | - | €0.003m | €0.006m | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €526 | -€8,151 | €10,252 | €84,433 | -€564,121 | -€988,946 | ▼ 75.3% |
| + Depreciation and write-downs630 | €68,304 | €89,406 | €79,897 | €77,008 | €95,091 | €95,809 | ▲ 0.8% |
| Operating cash flow (approximation) | €68,830 | €81,256 | €90,149 | €161,441 | -€469,030 | -€893,137 | ▼ 90.4% |
| Investment in fixed assets (approximation) | - | -€138,982 | -€93,050 | -€60,556 | -€107,834 | -€30,928 | ▲ 71.3% |
| Change in cash | - | €20,784 | €35,832 | -€3,273 | -€70,788 | €216,144 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2023 | full format | 05-09-2024 | 2024-00455010 |
| 31-12-2022 | full format | 30-09-2023 | 2023-00478299 |
| 31-12-2021 | full format | 30-09-2022 | 2022-20441688 |
| 31-12-2020 | full format | 06-08-2021 | 2021-47500249 |
| 31-12-2019 | full format | 30-07-2020 | 2020-38500316 |
| 31-12-2018 | full format | 13-08-2019 | 2019-47400544 |
| 31-12-2017 | full format | 27-09-2018 | 2018-66700214 |
| 31-12-2016 | micro format | 15-09-2017 | 2017-60900596 |
| 31-12-2015 | full format | 07-07-2016 | 2016-29200057 |
| 31-12-2014 | full format | 14-08-2015 | 2015-42100591 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Board 1
Permanent representatives 1
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Coach Consult & Expertise |
|
| Jean SAUSSEZ |
|
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Trustee | Tony Bellavia Avenue Des Expositions, 8A, 7000 Mons |
20-08-2024 → present |
Owners and capital
Owners
2 ownersOwners 2
- Jean SAUSSEZnatural personSourceown accounts 202099.46%
- Myriam DURANTnatural personSourceown accounts 20200.54%
Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
29-12
Gazette deed
Resignation: Jean SAUSSEZ (manager)Appointment: Coach Consult & Expertise (director) · Permanent representative: Jean SAUSSEZ · Amendment of the articles13 facts ▸
- General meeting, 19-12-2023
- Amendment of the articles (2 times)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French) (2 times)
- Reserve release, “supprimer le compte de capitaux propres statutairement indisponible, rendre ces fonds disponibles pour distribution” (deed in French)
- Capital
- Other provision, “compte de capitaux propres statutairement indisponibles” (deed in French)
- Director resignation, Jean SAUSSEZ (manager)
- Director appointment, Coach Consult & Expertise (director (not named in the articles))
- Permanent representative, Jean SAUSSEZ
- Director discharge, Jean SAUSSEZ (gérant démissionnaire)
- Registered office clause, “7331 Saint-Ghislain (Baudour), rue Louis Caty”, 202, “l'actionnaire unique décide de maintenir le siège” (deed in French)
- Power of attorney, Serge Fortez
- +1 further fact in this act
Show earlier events
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.
Register as of 27 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
2 establishment units
3 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 56076A0148/00L000 | Wallonia | 1,384 m² | 1 · 242 m² | 8.0 m · 2 |
| 53009C0243/00G000 | Wallonia | 1,149 m² | 1 · 155 m² | 7.0 m · 2 |
| 51472A0370/00X000 | Wallonia | 1,091 m² | 1 · 247 m² | 7.8 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Toutes opérations quelconques, commerciales, industrielles, financières, mobilières ou immobilières, se rapportant directement ou…” (deed in French)
21 activities (deed in French)
- Toutes opérations quelconques, commerciales, industrielles, financières, mobilières ou immobilières, se rapportant directement ou indirectement au bureau d’études, de consultant technique et électromécanique
- Commerce d’études techniques
- Audits énergétiques
- Audits de sécurité
- La réalisation de cahier des charges
- La coordination de chantier
- L’assistance technique
- Les études de marché
- La recherche de marchés
- L’assistance et la commercialisation de produits et de services
- La fabrication, la location ou la réparation de produits
- Les conseils en organisation
- Les conseils en gestion ou la gestion en projets ou d’entités
- La formation
- La communication d’entreprises
- L’acquisition et l’exploitation de brevets ou de licences
- La location de personnel
- Tous services pouvant être rendus à des entreprises et/ou des tiers
- Toutes opérations commerciales, industrielles, mobilières ou immobilières et financières se rapportant directement ou indirectement à son objet social
- S’intéresser par voie d’apport, de souscriptions, d’interventions financières ou par tout autre mode dans toutes sociétés ou entreprises ayant en tout ou en partie un objet similaire ou connexe au sien, susceptible d’en favoriser l’extension ou le développement
- Exercer la ou les fonctions d’administrateur, de gérant ou de liquidateur
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, peut établir des sièges administratifs, agences, ateliers, dépôts et succursales en Belgique ou à l'étranger par simple…” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Nommés avec ou sans limitation de durée, organe d'administration” (deed in French)“Pouvoirs de l'organe d'administration, sous réserve de ceux que la loi et les statuts réservent à l'assemblée générale” (deed in French)“Rémunération des administrateurs, portée aux frais généraux, indépendamment des frais éventuels de représentation, voyages et déplacements” (deed in French)“L'organe d'administration détermine s'ils agissent seul ou conjointement, gestion journalière” (deed in French)2 more provisions on this in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, titulaires peuvent prendre connaissance du registre relatif à leurs titres” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Frais de procédure et d’expertise pour moitié à charge du cédant et pour moitié à charge du ou des acquéreurs proportionnellement au nombre…” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- “Actionnaire unique-administrateur détermine librement les versements ultérieurs sur actions non entièrement libérées, libérées à leur…” (deed in French)“Courrier électronique ou courrier ordinaire le même jour, au moins quinze jours à dater de l’ouverture de la souscription” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Wednesday of June at 18:00
Oversight and winding up
- Auditor ruleHow a statutory auditor is appointed and what they check, if the company has one.
- “Nommés pour trois ans, un ou plusieurs commissaires” (deed in French)
- Dissolution ruleWhen and by whom the company can be dissolved.
- One provision in the deed
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Liquidateurs, en cas de dissolution de la société, pour quelque cause et à quelque moment que ce soit, le ou les administrateurs en fonction…” (deed in French)