THELMA
ActiveThe file of THELMA contains 2 historical bankruptcy publications, as published in the Belgian State Gazette. For THELMA, at least two filing cycles of the annual accounts are missing. The computed 12-month bankruptcy probability is 0.3% (very low). The 2022 annual accounts show equity of €277k and a net result of €117k. Equity is growing by ~50.1% per year across the filed fiscal years. Its solvency ranks better than 44% of 30364 sector peers (fiscal year 2022).
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability45▲+34
Solvency74▲+19
Growth78▲+26
Track record85
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2022Solvency, return and age of the figures
Solvency
49.4%
Return on assets
20.9%
Age of the figures
45 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline23-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 08-03-2024, 221 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
221 d late
2021
184 d late
2020
17 d late
2019
227 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€277k▲ 73.2%
2021 · €160k
2018: €50k
2020: €191k
2021: €160k
2018 → 2022
Total assets
€561k▲ 6.9%
2021 · €525k
2018: €386k
2020: €451k
2021: €525k
2018 → 2022
Net result
€117k
2021 · €-32k
2018: €24k
2020: €26k
2021: €-32k
2018 → 2022
Working capital
€196k
2021 · €-8k
2018: €68k
2020: €-12k
2021: €-8k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2018202020212022Trend
Equity€50k-€191k▲ 281%€160k▼ 16.5%€277k▲ 73.2%
Operating result€25k-€59k▲ 136%€-59k€-91k▼ 56.0%
Net result€24k-€26k▲ 9.1%€-32k€117k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €91k in 2022 against €59k in 2021; the loss grows and 2022 has the lowest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €561k
Fixed assets
€102k▼ 62.2%
Current assets
€459k▲ 80.4%
Equity and liabilities €561k
Equity
€277k▲ 73.2%
Debt
€284k▼ 22.2%
The debt ratio falls from 69.5% to 50.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-87k▼
2021 · €-55k
Cash flow
€121k▲
2021 · €-28k
Solvency
49.4%▲
2021 · 30.5%
Current ratio
1.75▲
2021 · 0.97
Quick ratio
1.75▲
2021 · 0.97
Debt / equity
1.03▼
2021 · 2.28
ROE
42.3%▲
2021 · -19.7%
ROA
20.9%▲
2021 · -6.0%
Interest coverage
-9.07▼
2021 · -5.71
Debt
€284k▼
2021 · €365k
Debt ≤ 1 year
€263k▲
2021 · €262k
Debt > 1 year
€21k▼
2021 · €102k
Income taxes
€16k▲
2021 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€525k€561k▲
Fixed assets21/28€270k€102k▼
Tangible fixed assets22/27€6k€7k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€265k€96k▼
Current assets29/58€254k€459k▲
Amounts receivable within one year40/41€247k€336k▲
Trade receivables40€233k€95k▼
Other amounts receivable41€14k€242k▲
Cash at bank and in hand54/58€7k€122k▲
Deferred charges and accrued income490/1€154€154=
Equity and liabilities
Total equity and liabilities10/49€525k€561k▲
Equity10/15€160k€277k▲
Contributions10/11€19k€19k=
Reserves13€1k€118k▲
Distributable reserves133€1k€118k▲
Profit (loss) carried forward14€140k€140k=
Amounts payable17/49€365k€284k▼
Amounts payable after more than one year17€102k€21k▼
Financial debts170/4€102k€21k▼
Amounts payable within one year42/48€262k€263k▲
Current portion of amounts payable after more than one year42€5k€5k▼
Financial debts43€13k€0▼
Credit institutions430/8€13k€0▼
Trade debts44€28k€18k▼
Suppliers440/4€28k€18k▼
Taxes, remuneration and social security45€207k€240k▲
Taxes450/3€207k€240k▲
Other amounts payable47/48€9k€0▼
Income statement
Code20212022
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€5k€10k▲
Non-recurring operating charges66A€0€52k▲
Gross operating margin9900€-50k€-26k▲
Operating profit (loss)9901€-59k€-91k▼
Financial income75/76B€38k€234k▲
Recurring financial income75€38k€234k▲
Financial charges65/66B€10k€10k=
Recurring financial charges65€10k€10k=
Profit (loss) for the period before taxes9903€-30k€133k▲
Income taxes67/77€1k€16k▲
Profit (loss) for the period9904€-32k€117k▲
Profit (loss) for the period to be appropriated9905€-32k€117k▲
Appropriation of the result
Profit (loss) to be appropriated9906€140k€257k▲
Profit (loss) brought forward from the previous period14P€171k€140k▼
Transfer to equity691/2-€117k
To other reserves6921-€117k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
20-07
Bankruptcy
Bankruptcy reversal
Tribunal de l’entreprise du Hainaut, division Charleroi · THELMA (SPRL) ZONING DE JUMET, 4EME RUE 33, 6040 JUMET (CHARLEROI). déclarée le 19 janvier 2026 · event 14-07-2026
26-01
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · THELMA (SPRL) ZONING DE JUMET,4EME RUE 33, 6040 JUMET (CHARLEROI) · event 19-01-2026
2024
08-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 221 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 184 days late
2022
31-12
Financial
Back to profitnet €117k
Net result €117k after one loss-making year.
31-12
Financial
Equity above €200kEq €277k ▲73.2%
Equity rises from €160k to €277k.
2021
31-12
Financial
Weakest financial yearnet €-32k ▼222%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
15-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 227 days late
2020
31-12
Financial
Equity above €150kEq €191k ▲281%
2 profitable years in a row build equity to €191k.
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
14-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 106 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
14-03
State Gazette act
General meeting · Capital increase
Capital · Corporate purpose
13-01
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 166 days late
13-01
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 531 days late
2013
03-07
State Gazette act
General meeting · Director resignation
Director discharge · Capital
2012
24-04
State Gazette act
Incorporation · Founding capital
Corporate purpose · Bank account
SignalFinancial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 1 establishment unit since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Zoning de Jumet,4ème rue 336040 CharleroiGround area
1.1 ha
Building footprint
3,517 m²
Volume, LiDAR
31,190 m³
2 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Grand'Rue(THN) 70, 6530 Thuin
since 20112.205.932.626
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034B1039/00Z004 | Wallonia | 9,994 m² | 1 · 3,265 m² | 11.1 m · 3 fl. |
| 56078E0402/00A000 | Wallonia | 613 m² | 1 · 252 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 | PHILIPPE CUVELIER RUE DES FOUGERES 75,
6110 MONTIGNY-LE-TILLEUL- .
Date provisoire de cessation de paiement : 19/01/2026 |
19-01-2026 → present |
Structure & network
Ownership & control
1 partyTHELMABE 0838.491.952
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 38,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-08-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.