Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for DE CLIQUE according to publications in the Belgian State Gazette. The 2024 annual accounts show negative equity (€-157k) and a net result of €-172k.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy 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 events10-07-2025
Bankruptcy
Opening
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: 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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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.
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.
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 31-12-2024, that is 31-07-2025.
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 | 25-08-2025 | 25 d late | 2025-00400998 |
| 31-12-2023 | 31-07-2024 | 20-06-2024 | 41 d early | 2024-00146816 |
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 signalsRegister: 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€-172k-161.4%
Working capital€-185k
Directors1
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 25-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -112.1% | 19.3% | |
| Net result | €-172k | €4k | |
| Equity | €-157k | €14k | |
| Gross operating margin | €232k | €52k | |
| Staff costs | €374k | €49k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-144k
-137.4%
23-24
€-172k
-161.4%
23-24
€-159k
-149.1%
23-24
€140k
-32.8%
23-24
€-157k
-
23-24
€-185k
-
23-24
2
-
23-24
€374k
+425.2%
23-24
Show 10 other metrics
€298k
+52.9%
23-24
€235k
+112.9%
23-24
€57k
-20.5%
23-24
0.21
-86.4%
23-24
0.20
-87.2%
23-24
-112.1%
-
23-24
-1.89
-
23-24
109.1%
-
23-24
-122.3%
-289.2%
23-24
-9.20
+48.0%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-144k |
| Net profit | €-172k |
| Cash flow | €-159k |
| Staff costs | €374k |
| Income taxes | - |
| Dividends | - |
| Total assets | €140k |
| Equity | €-157k |
| Debt | €298k |
| of which ≤ 1y | €235k |
| of which > 1y | €57k |
| Working capital | €-185k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.21 |
| Quick ratio | 0.20 |
| Working capital ratio | -131.6% |
| Solvency | -112.1% |
| Debt / equity | -1.89 |
| Long-term debt ratio | -0.36 |
| Interest coverage | -9.20 |
| Gross margin | - |
| Net margin | - |
| ROA | -122.3% |
| ROE | 109.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €140k |
| Fixed assets | 21/28 | €90k |
| Intangible fixed assets | 21 | €2k |
| Tangible fixed assets | 22/27 | €88k |
| Financial fixed assets | 28 | €230 |
| Current assets | 29/58 | €51k |
| Stocks & contracts in progress | 3 | €4k |
| Amounts receivable within one year | 40/41 | €12k |
| Cash & bank | 54/58 | €35k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €140k |
| Equity | 10/15 | €-157k |
| Contributions / capital | 10/11 | €80k |
| Accumulated profits (losses) | 14 | €-237k |
| Amounts payable | 17/49 | €298k |
| Amounts payable after one year | 17 | €57k |
| Amounts payable within one year | 42/48 | €235k |
| Trade debts payable within one year | 44 | €103k |
| Income statement | ||
| Gross operating margin | 9900 | €232k |
| Operating result | 9901 | €-156k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €16k |
| Result before taxes | 9903 | €-172k |
| Net result for the period | 9904 | €-172k |
| Result to be appropriated | 9905 | €-172k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed0
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Directors
Directors & mandates
5 directors5 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
GERIN FrançoiseManaging directorState Gazette act 24000028 (02-01-2024)Current07-12-2023 → present
Former directors (4)
-
GERIN Francoise deManaging directorState Gazette act 25075614 (17-06-2025)Former- → 29-01-2025
-
Nicolas LEFEBVREDirector (executive)State Gazette act 24065607 (23-04-2024)Former- → 31-01-2024
-
Rémy MERCKXDirector (executive)State Gazette act 24065607 (23-04-2024)Former- → 31-01-2024
-
ALVAREZ TORNERO AmaliaManaging directorState Gazette act 24000028 (02-01-2024)Former- → 07-12-2023
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 | THIERRY BINDELLE RUE VAN EYCK 44 BTE 6,
1000 FR BRUXELLES-VILLE |
04-07-2025 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Activiteiten van eetgelegenheden met volledige bediening(56111) |
| Legal form | Public limited company(014) |
| Incorporation | 22-06-2023 |
| Status | Active |
| Postal code | 1070 |
| First BS signal | 10-07-2025 |
| Latest BS signal | 10-07-2025 |
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
on the map · from the address registerEstablishment units
1 locationChapeau Blanc
since 20232.349.090.075
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area205 m²
Buildings1
Building footprint205 m²
Volume (LiDAR)2,510 m³
Tallest building16.4 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0614/00F000 | Brussels | 204 m² | 1 · 205 m² | 16.4 m · 4 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 Gazette10-07-2025
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
3 acts All acts · 3
updated 1 year ago
2025
17-06-2025 GERIN Francoise de resigns as managing director
- GERIN Francoise de, Gedelegeerd bestuurder
2024
23-04-2024 2 resigning
- Rémy MERCKX, Directeur
- Nicolas LEFEBVRE, Directeur
02-01-2024 1 director appointed, 1 resigning
- GERIN Françoise, Gedelegeerd bestuurder
- ALVAREZ TORNERO Amalia, Gedelegeerd bestuurder
Analysis
Financial profile
5 of 5 axes measured33
/ 100
Fragile profile, watch health in particular.
All 5 axes are computed from data Checked has read.
Health
0
Profitability
100
Solvency
33
Growth
32
Stability
0
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,991 of the 20,280 companies in this sector. 2,452 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Catering56210Catering van evenementen56210Andere drinkgelegenheden56309Andere drinkgelegenheden56309
Primary activity highlighted.
Names & trade names
| Legal nameFR | DE CLIQUE |
Registered office
Wayezstraat 200
1070 Anderlecht, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.