Tactum
Open bankruptcyA bankruptcy procedure is open for Tactum according to publications in the Belgian State Gazette; curator: ANNE-CATHERINE SCIAMANNA.
Summary
The 2022 annual accounts show negative equity (-€21,117) and a net result of -€8,113.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Hainaut, Charleroi division
- Declared bankrupt
- 4 November 2024
- Supervising judge
- Didier Nicolas
- Official Gazette
- 08-11-2024 (pdf) ↗search the document for 2024/143116
Deadlines
- Provisional date payments stopped
- 4 November 2024A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 23 November 2024Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 4 December 2024art. XX.104 and XX.155 CEL
- First verification report
- passed on 2 January 2025Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- passed on 4 November 2025Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Anne-Catherine SciamannaRue Du Parc, 42, 6140 Fontaine-L’Eveque- . Date provisoire de cessation de paiement : 04/11/2024attout_sciamanna@skynet.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2022 was due by 31-01-2023 and was filed on 31-01-2023, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not filed
2024
not filed
2023
not filed
2022
on the day
2020
17 d late
2019
217 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 78 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the Retail trade sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2022, micro schema
Turnover
€102,382▲ 103%
2019 · €50,337
EBIT margin
-6.8%▲ 43.0pp
2019 · -49.8%
Net result
-€8,113▼ 6.2%
2020 · -€7,639
Working capital
-€27,923▲ 33.8%
2020 · -€42,178
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line201920202022
Turnover€50,337-€102,382▲ 103%
Operating result-€25,067--€6,956▲ 72.2%-€8,099-
Net result-€25,611--€7,639below the sector's middle half▲ 70.2%-€8,113below the sector's middle half-
EBIT margin-49.8%--6.8%▲ 43.0pp
Equity-€15,611--€23,250below the sector's middle half▼ 48.9%-€21,117below the sector's middle half-
Total assets€50,262-€51,648below the sector's middle half▲ 2.8%€151,969within the sector's middle half-
Debt€65,873-€74,898▲ 13.7%€173,086-
Working capital-€36,559--€42,178▼ 15.4%-€27,923-
Solvency-31.1%--45.0%below the sector's middle half▼ 14.0pp-13.9%below the sector's middle half-
Staff (FTE)2-
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is -€8,099 in 2022, compared with -€6,956 in 2020. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2022 in colour, 2020 as the grey bar beneath
Assets €151,969
Fixed assets
€6,806 ▼ 73.2%
Current assets
€145,163 ▲ 453%
Key figures and ratios
EBITDA
-€3,051▲
2020 · -€4,959
Cash flow
-€3,066▲
2020 · -€5,642
Current ratio
0.84▲
2020 · 0.38
Debt to equity
-8.20
ROA
-5.3%▲
2020 · -14.8%
Interest coverage
-16.74
Debt ≤ 1 year
€173,086▲
2020 · €68,410
Staff costs
€112,942
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2022 | Change |
|---|---|---|---|---|
| Turnover70 | €50,337 | €102,382 | - | - |
| Remuneration, social security and pensions62 | - | - | €112,942 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,134 | €1,997 | €5,047 | - |
| Other operating charges640/8 | - | - | €10,972 | - |
| Gross operating margin9900 | -€9,617 | €35,777 | €120,862 | - |
| Operating profit (loss)9901 | -€25,067 | -€6,956 | -€8,099 | - |
| Financial income75/76B | - | - | €168 | - |
| Recurring financial income75 | - | - | €168 | - |
| Financial charges65/66B | - | - | €182 | - |
| Recurring financial charges65 | €0 | €139 | €182 | - |
| Profit (loss) for the period before taxes9903 | -€25,067 | -€7,095 | -€8,113 | - |
| Income taxes67/77 | €544 | €544 | - | - |
| Profit (loss) for the period9904 | -€25,611 | -€7,639 | -€8,113 | - |
| Profit (loss) for the period to be appropriated9905 | -€25,611 | -€7,639 | -€8,113 | - |
| Line | 2019 | 2020 | 2022 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €50,262 | €51,648 | €151,969 | - |
| Fixed assets21/28 | €27,414 | €25,417 | €6,806 | - |
| Tangible fixed assets22/27 | €8,414 | €6,417 | €3,770 | - |
| Land and buildings22 | - | - | €2,963 | - |
| Furniture and vehicles24 | - | - | €807 | - |
| Financial fixed assets28 | €19,000 | €19,000 | €3,036 | - |
| Current assets29/58 | €22,848 | €26,231 | €145,163 | - |
| Amounts receivable within one year40/41 | €9,993 | €20,079 | €113,700 | - |
| Trade receivables40 | - | - | €105,605 | - |
| Other amounts receivable41 | - | - | €8,096 | - |
| Cash at bank and in hand54/58 | €12,377 | €4,243 | €30,696 | - |
| Deferred charges and accrued income490/1 | - | - | €767 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €50,262 | €51,648 | €151,969 | - |
| Equity10/15 | -€15,611 | -€23,250 | -€21,117 | - |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | - |
| Profit (loss) carried forward14 | -€25,611 | -€33,250 | -€31,117 | - |
| Amounts payable17/49 | €65,873 | €74,898 | €173,086 | - |
| Amounts payable within one year42/48 | €59,407 | €68,410 | €173,086 | - |
| Trade debts44 | - | - | €19,271 | - |
| Suppliers440/4 | - | - | €19,271 | - |
| Taxes, remuneration and social security45 | - | - | €93,633 | - |
| Taxes450/3 | - | - | €15,657 | - |
| Remuneration and social security454/9 | - | - | €77,977 | - |
| Other amounts payable47/48 | - | - | €60,182 | - |
| Line | 2019 | 2020 | 2022 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€25,611 | -€7,639 | -€8,113 | - |
| + Depreciation and write-downs630 | €1,134 | €1,997 | €5,047 | - |
| Operating cash flow (approximation) | -€24,478 | -€5,642 | -€3,066 | - |
| Investment in fixed assets (approximation) | - | €0 | - | - |
| Change in cash | - | -€8,134 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2024
08-11
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · event 04-11-2024
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 217 days late
SignalNBB filing
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Seneffe · 1 establishment unit since 2018
Ground area
5.1 ha
Building footprint
1,605 m²
Volume, LiDAR
10,324 m³
Parcel 52063E0154/00D000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
TACTUM
since 20182.276.675.122
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52063E0154/00D000 | Wallonia | 5.1 ha | 1 · 1,605 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | ANNE-CATHERINE SCIAMANNA RUE DU PARC, 42,
6140 FONTAINE-L’EVEQUE- .
Date provisoire de cessation de paiement : 04/11/2024 |
04-11-2024 → present |
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Manage
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 236 companies in sector 47522 we hold annual accounts for 138. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded28-05-2018
Fiscal year end30-06
Activities, NACEBEL 2025
47522Retail trade
43320Joinery installation
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.