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W.T. GROUP

Active
Private limited company·Groothandel in groenten en fruit, muv consumptieaardappelen· 4 yrs active
Zoning de Jumet,4ème rue 33 ·6040 Charleroi, Belgium
Open bankruptcy
KBO/BCE: BE 0775.328.027
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Age4 yrs
Board1
Staff (FTE)2.3
Real estate1 parcel · 9,994 m²

Summary

Conclusion

the dossier summarised in one paragraph

A bankruptcy procedure is open for W.T. GROUP according to publications in the Belgian State Gazette. The 2023 annual accounts show negative equity (€-168k) and a net result of €-57k.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Insolvency timeline

1 events
21-11-2025
Bankruptcy Opening
Date: 17-11-2025 · Tribunal de l’entreprise du Hainaut, division Charleroi · W.T. GROUP SRL ZONING DE JUMET,4EME RUE 33, 6040 JUMET (CHARLEROI) · Publications in State Gazette ↗

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2023: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filing behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 18-10-2024, 79 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 nothing on record not filed -
31-12-2023 31-07-2024 18-10-2024 79 d late 2024-00511801
31-12-2022 31-07-2023 09-10-2023 70 d late 2023-00487205

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-57k
Working capital€-16k
Directors1

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 18-10-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -131.3% 25.2%
better than 8% of 2975 sector peers
Net result €-57k €4k
better than 5% of 2965 sector peers
Equity €-168k €20k
better than 5% of 2986 sector peers
Gross operating margin €83k €18k
better than 82% of 2955 sector peers
Staff costs €129k €28k
higher than 90% of 819 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2023
Depositmicro
Revenue-
EBITDA-
Net profit€-57k
Cash flow-
Staff costs€129k
Income taxes-
Dividends-
Total assets€128k
Equity€-168k
Debt€296k
of which ≤ 1y€143k
of which > 1y€153k
Working capital€-16k
Employees (FTE)2.3
Ratios (computed)
2023
Current ratio0.89
Quick ratio0.89
Working capital ratio-12.2%
Solvency-131.3%
Debt / equity-1.76
Long-term debt ratio-0.91
Interest coverage-
Gross margin-
Net margin-
ROA-44.1%
ROE33.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€128k
Fixed assets 21/28€300
Financial fixed assets 28€300
Current assets 29/58€128k
Amounts receivable within one year 40/41€79k
Cash & bank 54/58€45k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€128k
Equity 10/15€-168k
Contributions / capital 10/11€15k
Accumulated profits (losses) 14€-183k
Amounts payable 17/49€296k
Amounts payable after one year 17€153k
Amounts payable within one year 42/48€143k
Trade debts payable within one year 44€111k
Income statement
Gross operating margin 9900€83k
Operating result 9901€-56k
Financial income 75€6
Financial charges 65€193
Result before taxes 9903€-57k
Net result for the period 9904€-57k
Result to be appropriated 9905€-57k
Ratios computed by Checked.

Health barometer

FY 2023 · computed
0 / 100 Critical
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Directors

Directors & mandates

2 directors
Current directors & mandates
  • Puiu lon
    Director
    State Gazette act 24147237 (14-10-2024)
    Current
    01-07-2024 → present
Former directors (1)
  • Rosario Tramontana
    Director
    State Gazette act 24147237 (14-10-2024)
    Former
    - → 01-07-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

1 mandate
Role Name Tenure Source
Curator ISABELLE VAUSORT
RUE PAUL JANSON 48, 6061 MONTIGNIES-SUR-SAMBRE- . Date provisoire de cessation de paiement : 17/11/2025
 17-11-2025 → present Belgian State Gazette

Legal Structure

NACE primary Groothandel in groenten en fruit, muv consumptieaardappelen(46319)
Legal form Private limited company(610)
Incorporation05-10-2021
StatusActive
Postal code6040
First BS signal 21-11-2025
Latest BS signal 21-11-2025

Structure & network

Ownership & control

No ownership or control structure found in the sources.

For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.

1 court or liquidation mandate is on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank
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 Charleroi

Establishment units

1 location
W.T. GROUP
Zoning de Jumet,4ème rue 33, 6040 CharleroiGoederenvervoer over de weg
since 20212.324.380.811
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area9,994 m²
Buildings1
Building footprint3,265 m²
Volume (LiDAR)31,190 m³
Tallest building11.1 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.
52034B1039/00Z004 Wallonia 9,994 m² 1 · 3,265 m² 11.1 m · 3 fl.
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.

Publications

Lifecycle & Insolvency Signals

1 event from the State Gazette
21-11-2025
Bankruptcy Opening
Date: 17-11-2025 · Tribunal de l’entreprise du Hainaut, division Charleroi · W.T. GROUP SRL ZONING DE JUMET,4EME RUE 33, 6040 JUMET (CHARLEROI) · Publications in State Gazette ↗

Time machine: BS events + macro context

2021-2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-11-21 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 1 year ago
2024
14-10-2024 1 director appointed, 1 resigning Director changes
  • Puiu lon, Bestuurder
  • Rosario Tramontana, Bestuurder

Analysis

Snowflake analysis

financial profile on 5 axes
Health0Profitability100Solvency42Growth-Stability0
36 / 100

Fragile profile, watch health in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 0
Profitability 100
Solvency 42
Growth -
Stability 0

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 74 of the 956 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Groothandel in groenten en fruit, m.u.v. consumptieaardappelen46319Groothandel in groenten en fruit, muv consumptieaardappelen46319Groothandel in dranken, algemeen assortiment46349Groothandel in dranken, algemeen assortiment46349Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Goederenvervoer over de weg, m.u.v. verhuisbedrijven49410Goederenvervoer over de weg49410
Primary activity highlighted.
Names & trade names
Legal nameFR W.T. GROUP
Registered office
Zoning de Jumet,4ème rue 33
6040 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.