TEXTURE & CRAFT
Open bankruptcyA bankruptcy procedure is open for TEXTURE & CRAFT according to publications in the Belgian State Gazette; curator: AUDE DUFOUR.
Summary
The 2025 annual accounts show equity of €327,492 and a net result of €54,178.
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, Mons division
- Declared bankrupt
- 11 May 2026
- Supervising judge
- Gaspard Franeau
- Official Gazette
- 19-05-2026 (pdf) ↗search the document for 2026/121572
Deadlines
- Provisional date payments stopped
- 11 May 2026A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 3 June 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 10 June 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 10 July 2026Goods 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
- 11 May 2027Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Aude DufourRue De Thulin 2, 7350 03 Montroeul-Sur-Haine- . Date provisoire de cessation de paiement : 11/05/2026a.dufour@avocat.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 · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-02-2026, 16 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
16 d late
2024
3 d late
2023
1 d early
2022
on the day
2021
317 d late
2020
682 d late
2019
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 148 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
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 Are there other customers at risk in your own list?List enrichment How is the Painting of buildings sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€327,492▲ 19.8%
2024 · €273,315
Total assets
€581,769▲ 5.4%
2024 · €551,748
Net result
€54,178▼ 27.5%
2024 · €74,734
Working capital
€288,298▲ 32.3%
2024 · €217,887
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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
Line20212022202320242025
Operating result€79,258▲ 90.7%€169,860▲ 114%€15,117▼ 91.1%€107,579▲ 612%€80,042▼ 25.6%
Net result€48,961above the sector's middle half▲ 291%€122,713above the sector's middle half▲ 151%€5,018within the sector's middle half▼ 95.9%€74,734above the sector's middle half▲ 1,389%€54,178above the sector's middle half▼ 27.5%
Equity€114,650within the sector's middle half▲ 74.5%€237,363above the sector's middle half▲ 107%€242,380above the sector's middle half▲ 2.1%€273,315above the sector's middle half▲ 12.8%€327,492above the sector's middle half▲ 19.8%
Total assets€400,812above the sector's middle half▲ 35.8%€564,855above the sector's middle half▲ 40.9%€490,477above the sector's middle half▼ 13.2%€551,748above the sector's middle half▲ 12.5%€581,769above the sector's middle half▲ 5.4%
Debt€286,161▲ 24.7%€327,492▲ 14.4%€248,096▼ 24.2%€278,433▲ 12.2%€254,276▼ 8.7%
Working capital€78,090within the sector's middle half▲ 117%€193,916above the sector's middle half▲ 148%€187,978above the sector's middle half▼ 3.1%€217,887above the sector's middle half▲ 15.9%€288,298above the sector's middle half▲ 32.3%
Solvency28.6%within the sector's middle half▲ 6.3pp42.0%within the sector's middle half▲ 13.4pp49.4%within the sector's middle half▲ 7.4pp49.5%within the sector's middle half▲ 0.1pp56.3%within the sector's middle half▲ 6.8pp
Current ratio1.35within the sector's middle half▲ 0.101.67within the sector's middle half▲ 0.331.81within the sector's middle half▲ 0.141.78within the sector's middle half▼ 0.032.13within the sector's middle half▲ 0.35
Return on assets (ROA)12.2%within the sector's middle half▲ 8.0pp21.7%above the sector's middle half▲ 9.5pp1.0%within the sector's middle half▼ 20.7pp13.5%within the sector's middle half▲ 12.5pp9.3%within the sector's middle half▼ 4.2pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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 falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €581,769
Fixed assets
€39,195 ▼ 29.3%
Current assets
€542,574 ▲ 9.3%
Equity and liabilities €581,769
Equity
€327,492 ▲ 19.8%
Debt
€254,276 ▼ 8.7%
Debt's share of the balance-sheet total falls from 50.5% to 43.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€96,275▼
2024 · €123,812
Cash flow
€70,411▼
2024 · €90,968
Debt to equity
0.78▼
2024 · 1.02
ROE
16.5%▼
2024 · 27.3%
Interest coverage
38.89▲
2024 · 27.36
Debt ≤ 1 year
€254,276▼
2024 · €278,433
Income taxes
€23,400▼
2024 · €28,343
Staff costs
€19,377▼
2024 · €64,139
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €8,736 | - | €6,132 | €64,139 | €19,377 | ▼ 69.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,175 | €15,000 | €15,514 | €16,233 | €16,233 | = |
| Other operating charges640/8 | - | - | €2,474 | €1,074 | €293 | ▼ 72.7% |
| Gross operating margin9900 | €103,169 | €184,860 | €39,237 | €189,026 | €115,945 | ▼ 38.7% |
| Operating profit (loss)9901 | €79,258 | €169,860 | €15,117 | €107,579 | €80,042 | ▼ 25.6% |
| Financial income75/76B | €5 | €4 | €238 | €24 | €11 | ▼ 52.7% |
| Recurring financial income75 | €5 | €4 | €238 | €24 | €11 | ▼ 52.7% |
| Financial charges65/66B | €5,016 | €6,391 | €4,300 | €4,525 | €2,475 | ▼ 45.3% |
| Recurring financial charges65 | €5,016 | €6,391 | €4,300 | €4,525 | €2,475 | ▼ 45.3% |
| Profit (loss) for the period before taxes9903 | €74,246 | €163,473 | €11,055 | €103,078 | €77,578 | ▼ 24.7% |
| Income taxes67/77 | €25,285 | €40,761 | €6,037 | €28,343 | €23,400 | ▼ 17.4% |
| Profit (loss) for the period9904 | €48,961 | €122,713 | €5,018 | €74,734 | €54,178 | ▼ 27.5% |
| Profit (loss) for the period to be appropriated9905 | €48,961 | €122,713 | €5,018 | €74,734 | €54,178 | ▼ 27.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €400,812 | €564,855 | €490,477 | €551,748 | €581,769 | ▲ 5.4% |
| Fixed assets21/28 | €97,675 | €82,675 | €71,661 | €55,428 | €39,195 | ▼ 29.3% |
| Intangible fixed assets21 | €97,500 | €82,500 | €67,500 | €52,500 | €37,500 | ▼ 28.6% |
| Tangible fixed assets22/27 | - | - | €3,186 | €1,953 | €720 | ▼ 63.2% |
| Furniture and vehicles24 | - | - | €3,186 | €1,953 | €720 | ▼ 63.2% |
| Financial fixed assets28 | €175 | €175 | €975 | €975 | €975 | = |
| Current assets29/58 | €303,137 | €482,180 | €418,816 | €496,320 | €542,574 | ▲ 9.3% |
| Amounts receivable within one year40/41 | €303,137 | €478,727 | €418,816 | €490,787 | €542,574 | ▲ 10.6% |
| Trade receivables40 | €7,938 | €44,437 | €30,535 | €70,702 | €132,180 | ▲ 87.0% |
| Other amounts receivable41 | €295,199 | €434,289 | €388,280 | €420,085 | €410,394 | ▼ 2.3% |
| Cash at bank and in hand54/58 | - | €3,454 | - | €5,533 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €400,812 | €564,855 | €490,477 | €551,748 | €581,769 | ▲ 5.4% |
| Equity10/15 | €114,650 | €237,363 | €242,380 | €273,315 | €327,492 | ▲ 19.8% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €18,600 | €18,600 | = |
| Reserves13 | €102,250 | €224,963 | €229,980 | €254,715 | €308,892 | ▲ 21.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €100,390 | €223,103 | €229,980 | €254,715 | €308,892 | ▲ 21.3% |
| Amounts payable17/49 | €286,161 | €327,492 | €248,096 | €278,433 | €254,276 | ▼ 8.7% |
| Amounts payable after more than one year17 | €61,114 | €39,228 | €16,958 | - | - | - |
| Financial debts170/4 | €61,114 | €39,228 | €16,958 | - | - | - |
| Amounts payable within one year42/48 | €225,047 | €288,264 | €230,838 | €278,433 | €254,276 | ▼ 8.7% |
| Current portion of amounts payable after more than one year42 | €34,317 | €32,796 | €33,180 | €28,015 | €7,564 | ▼ 73.0% |
| Financial debts43 | €4,371 | - | €4,789 | - | €4,998 | - |
| Credit institutions430/8 | €4,371 | - | €4,789 | - | €4,998 | - |
| Trade debts44 | €53,835 | €63,944 | €24,569 | €44,112 | €65,559 | ▲ 48.6% |
| Suppliers440/4 | €53,835 | €63,944 | €24,569 | €44,112 | €65,559 | ▲ 48.6% |
| Advances received on contracts in progress46 | - | - | €45,154 | - | - | - |
| Taxes, remuneration and social security45 | €82,524 | €141,524 | €123,146 | €156,307 | €176,154 | ▲ 12.7% |
| Taxes450/3 | €78,766 | €137,766 | €123,146 | €153,460 | €176,154 | ▲ 14.8% |
| Remuneration and social security454/9 | €3,759 | €3,759 | - | €2,847 | - | - |
| Other amounts payable47/48 | €50,000 | €50,000 | - | €50,000 | - | - |
| Accrued charges and deferred income492/3 | - | - | €300 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,961 | €122,713 | €5,018 | €74,734 | €54,178 | ▼ 27.5% |
| + Depreciation and write-downs630 | €15,175 | €15,000 | €15,514 | €16,233 | €16,233 | = |
| Operating cash flow (approximation) | €64,137 | €137,713 | €20,531 | €90,968 | €70,411 | ▼ 22.6% |
| Investment in fixed assets (approximation) | - | €0 | -€4,500 | €0 | €0 | - |
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
Next filing, fiscal year 2026, expected by
2026
19-05
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Mons · event 11-05-2026
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 16 days late
2025
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €5,018 ▼95.9%
Net result drops to €5,018, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 317 days late
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 682 days late
13-10
Bankruptcy
Judicial dissolution, liquidator appointed
Tribunal de l’entreprise du Hainaut, division Mons · event 10-10-2022
30-06
Financial
Highest result since 2019net €122,713 ▲151%
Operating result €169,860, net result €122,713, both a record.
30-06
Financial
Equity above €200,000Eq €237,363 ▲107%
4 profitable years in a row build equity to €237,363.
2021
30-06
Financial
Equity above €100,000Eq €114,650 ▲74.5%
3 profitable years in a row build equity to €114,650.
2020
21-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Lens (Hainaut) · 1 establishment unit since 2018
Ground area
1,573 m²
Building footprint
383 m²
Volume, LiDAR
1,909 m³
Parcel 53047A0032/00E000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TEXTURE & CRAFT
since 20182.277.463.988
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53047A0032/00E000 | Wallonia | 1,573 m² | 1 · 383 m² | 8.2 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 | AUDE DUFOUR RUE DE THULIN 2, 7350 03
MONTROEUL-SUR-HAINE- .
Date provisoire de cessation de paiement : 11/05/2026 |
11-05-2026 → present |
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Of 7,868 companies in sector 43341 we hold annual accounts for 2,666. 1,778 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-12-2017
Fiscal year end30-06
Activities, NACEBEL 2025
43341Painting of buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0686714864
Also
9925:BE0686714864
Registered
02-01-2026
The company is no longer active; its Peppol card can remain until its access point withdraws it.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.