Active BE 0732.584.283Private limited companyOpen bankruptcy

FLEX Insurance

· 7 yrs active

Sector: Overige gespecialiseerde bouwactiviteiten, neg (43990)

Conclusion Checked

A bankruptcy procedure is open for FLEX Insurance according to publications in the Belgian State Gazette. The file additionally contains 1 administrative flag. The 2022 annual accounts show negative equity (€-6k) and a net result of €214.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€-6k
Net result	€214
Better than sector	19%
Active	7 yrs

Financial profile 5 of 5 axes measured · computed by Checked

30 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0

Profitability 0

Solvency 100

Growth 52

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

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.

Risk Assessment rule-based

53 / 100

High riskRegister: open bankruptcy

This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.

Components

· Open bankruptcy (+50)

· 1 administrative flag (+3)

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 Flags1 events

Address struck

Health barometer FY 2022 · 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.

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 2022 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Financial overview3 NBB filings

Annual accounts filed on 30-01-2023 with the NBB · fiscal year 2022 · micro

Operating resultNet result

Sector comparison

Fiscal year 2022 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Net result	€214	€12k	better than 19% of 6621 sector peers
Equity	€-6k	€26k	better than 5% of 6644 sector peers
Gross operating margin	€563	€32k	better than 9% of 6615 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€214

-90.2% 21-22

Equity

€-6k

+3.2% 21-22

Debt

€6k

-3.2% 21-22

Debt ≤ 1y

€6k

-3.2% 21-22

Debt / equity

-1.00

0.0% 21-22

ROE

-3.3%

+89.9% 21-22

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2022
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€214
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	-
Equity	€-6k
Debt	€6k
of which ≤ 1y	€6k
of which > 1y	-
Working capital	-
Employees (FTE)	-

Ratios (computed)

	2022
Current ratio	-
Quick ratio	-
Working capital ratio	-
Solvency	-
Debt / equity	-1.00
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-
ROE	-3.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Full annual accounts (11 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet, Equity & liabilities
Equity	10/15	€-6k
Contributions / capital	10/11	€10k
Accumulated profits (losses)	14	€-16k
Amounts payable	17/49	€6k
Amounts payable within one year	42/48	€6k
Income statement
Gross operating margin	9900	€563
Operating result	9901	€563
Financial charges	65	€349
Result before taxes	9903	€214
Net result for the period	9904	€214
Result to be appropriated	9905	€214

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.

Directors & mandates 3 directors

Current directors & mandates

Huart Didier Joseph P
Director
State Gazette act 25035749 (14-03-2025)

Current
15-11-2024 → present

Former directors (2)

CHARAI Fayssal
Director
State Gazette act 23023238 (16-02-2023)

Former
16-02-2023 → 15-11-2024
2 events
- 15-11-2024 Resigned· Director
- 16-02-2023 Appointed· Director
SEBAOUI Nordin
Director
State Gazette act 23023238 (16-02-2023)

Former
- → 16-02-2023

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.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	INGE VANHOUTTE HEIDEBAAN 130 E, 9100 SINT- NIKLAAS	16-10-2025 → present	Belgian State Gazette

Legal Structure

NACE primary	Overige gespecialiseerde bouwactiviteiten, neg(43990)
Legal form	Private limited company(610)
Incorporation	13-08-2019
Status	Active
Postal code	-
First BS signal	22-10-2025
Latest BS signal	22-10-2025

Establishment units 1 location

FLEX BUSINESS

Vervaardiging van hangsloten, grendelsloten en andere sloten, sleutels en ander hang- en sluitwerk voor gebouwen, meubels, voertuigen, enz

since 20192.292.092.281

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11313B0933/00E004	Flanders	143 m²	1 · 107 m²	13.3 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.

Updates 8 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

22-10-2025

Bankruptcy Opening

Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · FLEX INSURANCE BV ARTHUR MATTHYSLAAN 62, 2140 BORGERHOUT (ANTWERPEN) · event 16-10-2025

14-03-2025

KBO administration Address struck

14-03-2025

State Gazette act Director changes

2023

16-02-2023

State Gazette act Director changes

30-01-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

29-09-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

27-10-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

Lifecycle & Insolvency Signals2 events

22-10-2025

Bankruptcy Opening

Date: 16-10-2025 · Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · FLEX INSURANCE BV ARTHUR MATTHYSLAAN 62, 2140 BORGERHOUT (ANTWERPEN) · Publications in State Gazette ↗

Full insolvency chronology

The full chronology lists every recorded event with its date, the competent court and the appointed liquidator or administrator. It answers at which stage the proceedings stand and whether they are still running.

We hold 1 further earlier event in this file, covering 14-03-2025 to 16-10-2025.

Available in Kantoor S. See plans →

Time machine, BS events + macro context 2021, 2026

Macro context

2020-Q2/Q3 COVID lockdown

2022 energy crisis

2023-2024 ECB rate hikes

Legend

Bankruptcy

Interim / reorg

KBO event

Belgian State Gazette reading coverage 0 of 4 acts read

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.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 1 year ago

2025

14-03-2025 1 director appointed, 1 resigning Director changes

Huart Didier Joseph P, Bestuurder
Charai Fayssal, Bestuurder

Original publication ↗

Technical details

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2023

16-02-2023 2 directors appointed, 1 resigning Director changes

CHARAI Fayssal, Bestuurder
CHARAI Fayssal, Dagelijks bestuur
SEBAOUI Nordin, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Activiteiten van verzekeringsagenten en -makelaars66220Arbeidsbemiddeling78100

Primary activity highlighted.

Names & trade names

Legal nameNL

FLEX Insurance

Registration history

14-03-2025 Address struck

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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