{"id":37,"date":"2026-09-13T12:02:29","date_gmt":"2026-09-13T10:02:29","guid":{"rendered":"https:\/\/insolvency.be\/evaluer-ma-situation\/"},"modified":"2026-11-11T12:20:14","modified_gmt":"2026-11-11T11:20:14","slug":"evaluer-ma-situation","status":"publish","type":"page","link":"https:\/\/insolvency.be\/en\/evaluer-ma-situation\/","title":{"rendered":"Assess my situation"},"content":{"rendered":"<section class=\"bp-page-hero\"><div class=\"bp-wrap\"><p class=\"bp-kicker\">Diagnostic confidentiel<\/p><h1>\u00c9valuer ma situation<\/h1><p class=\"bp-page-lede\">Quelques questions, non sensibles, pour situer votre cas et vous orienter vers le bon m\u00e9canisme. 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Une analyse pr\u00e9cise de votre endettement doit pr\u00e9c\u00e9der toute d\u00e9marche.'],'R\u00e9organisation judiciaire'],\n   faillite:['Votre situation appelle une pr\u00e9paration rigoureuse',['Lorsque les paiements ne peuvent plus \u00eatre assur\u00e9s durablement et que le cr\u00e9dit est \u00e9branl\u00e9, la loi impose de faire aveu de faillite dans le mois. Mais la fa\u00e7on dont ce d\u00e9p\u00f4t est pr\u00e9par\u00e9 change tout : responsabilit\u00e9 du dirigeant, exposition personnelle, possibilit\u00e9 de rebond.','Une faillite n\u2019est pas une fin en soi \u2014 et surtout, elle s\u2019anticipe. L\u2019enjeu imm\u00e9diat est de ne pas rester seul face \u00e0 ces d\u00e9lais et \u00e0 ces responsabilit\u00e9s.'],'Faillite'],\n   citation:['Vous avez re\u00e7u une citation en faillite',['La situation est urgente, mais loin d\u2019\u00eatre jou\u00e9e. Les conditions l\u00e9gales de la faillite (cessation durable des paiements, cr\u00e9dit \u00e9branl\u00e9) peuvent \u00eatre contest\u00e9es ; une PRJ d\u2019urgence ou un retrait de citation peuvent parfois \u00eatre n\u00e9goci\u00e9s.','Les d\u00e9lais sont courts et chaque jour compte. L\u2019essentiel est de faire analyser la citation et vos options avant l\u2019audience \u2014 pas apr\u00e8s.'],'Faillite'],\n   creancier:['Vous \u00eates du c\u00f4t\u00e9 cr\u00e9ancier',['Vos leviers d\u00e9pendent de la situation de votre d\u00e9biteur : d\u00e9claration de cr\u00e9ance, revendication de marchandises livr\u00e9es et impay\u00e9es, protection de vos garanties, participation \u00e0 une PRJ ou \u00e0 une faillite.','Agir vite et au bon endroit d\u00e9termine ce que vous r\u00e9cup\u00e9rerez r\u00e9ellement. Une lecture juste de votre position \u2014 et de son rang \u2014 est le point de d\u00e9part.'],'Nos services'],\n   repreneur:['Vous envisagez de reprendre une activit\u00e9 en difficult\u00e9',['Un transfert sous autorit\u00e9 judiciaire ou une reprise d\u2019actifs apr\u00e8s faillite peut s\u00e9curiser l\u2019op\u00e9ration et pr\u00e9server la valeur \u2014 \u00e0 condition d\u2019en ma\u00eetriser le p\u00e9rim\u00e8tre : actifs, personnel, passif, garanties.','C\u2019est un terrain o\u00f9 la pr\u00e9paration juridique fait la diff\u00e9rence entre une bonne op\u00e9ration et un risque mal \u00e9valu\u00e9. Mieux vaut cadrer l\u2019op\u00e9ration en amont.'],'R\u00e9organisation judiciaire']}},\n nl:{ui:{qn:'Vraag',urgent:'Korte termijnen',soft:'Voor te bereiden',eyebrow:'Uw ori\u00ebntatie',cta:'Vraag een vertrouwelijke analyse aan',call:'Bel +32 2 616 06 30',more:'Meer weten:',note:'Deze algemene ori\u00ebntatie vormt geen juridisch advies en kan de analyse van een concreet dossier niet vervangen. Elke situatie is bijzonder; alleen een volledig onderzoek bepaalt de te volgen weg.'},\n  q:[['U bent\u2026',['Bestuurder of zaakvoerder van een onderneming','Schuldeiser \u2014 men is u geld verschuldigd','Aandeelhouder of investeerder','U overweegt een activiteit over te nemen']],\n   ['Hoe ver staat u?',['Ik wil vooruitlopen \u2014 er is nog niets in gang gezet','De spanningen nemen toe (bank, leveranciers, fiscus)','Er loopt al een procedure']],\n   ['Hebt u een akte van de rechtbank ontvangen?',['Nee, geen','Een oproeping voor de kamer voor ondernemingen in moeilijkheden','Een dagvaarding in faillissement']],\n   ['Fiscale of sociale schulden (RSZ, btw, bedrijfsvoorheffing)?',['Nee','Ja, recente','Ja, aanzienlijke of oude']],\n   ['Is de activiteit nog operationeel?',['Ja, volledig','Gedeeltelijk','Stilgelegd']],\n   ['Hoe dringend is het?',['Ik loop vooruit (weken \/ maanden)','Matige tot sterke druk','Dringend \u2014 de termijnen zijn kort']]],\n  p:{prevention:['Uw situatie valt onder preventie',['Er ligt nog niets vast, en dat is net uw voordeel. In dit stadium blijven de meeste opties open: een vertrouwelijk minnelijk akkoord met bepaalde schuldeisers, een vrijwillig onderzoek door de kamer voor ondernemingen in moeilijkheden, bewarende maatregelen.','Vroeg handelen is wat een zwaardere collectieve procedure kan voorkomen \u2014 en dat discreet. Het juiste moment om een strategie uit te werken is nu, zolang u zelf de touwtjes in handen hebt.'],'Preventie'],\n   prj:['Uw situatie wijst in de richting van een gerechtelijke reorganisatie (PRJ)',['De spanningen nemen toe, maar de activiteit kan nog worden gered: dat is het terrein van de PRJ, waarmee u een opschorting ten aanzien van de schuldeisers kunt verkrijgen \u2014 openbaar of vertrouwelijk (private PRJ).','De keuze van het type PRJ (minnelijk akkoord, collectief akkoord, overdracht) en van de stemregeling is een belangrijke strategische beslissing. Goed voorbereid beschermt ze de onderneming; ge\u00efmproviseerd mislukt ze. Een nauwkeurige analyse van uw schuldenlast moet aan elke stap voorafgaan.'],'Gerechtelijke reorganisatie'],\n   faillite:['Uw situatie vraagt om een grondige voorbereiding',['Wanneer de betalingen niet langer duurzaam kunnen worden verzekerd en het krediet geschokt is, verplicht de wet u om binnen de maand aangifte van faillissement te doen. Maar de manier waarop die aangifte wordt voorbereid, maakt het verschil: aansprakelijkheid van de bestuurder, persoonlijke blootstelling, kansen op een doorstart.','Een faillissement is geen doel op zich \u2014 en vooral: het laat zich voorbereiden. Het belangrijkste nu is er niet alleen voor te staan, tegenover die termijnen en verantwoordelijkheden.'],'Faillissement'],\n   citation:['U hebt een dagvaarding in faillissement ontvangen',['De situatie is dringend, maar nog lang niet beslist. De wettelijke voorwaarden van het faillissement (duurzame staking van betaling, geschokt krediet) kunnen worden betwist; een dringende PRJ of de intrekking van de dagvaarding kan soms worden onderhandeld.','De termijnen zijn kort en elke dag telt. Het belangrijkste is de dagvaarding en uw opties te laten analyseren v\u00f3\u00f3r de zitting \u2014 niet erna.'],'Faillissement'],\n   creancier:['U staat aan de kant van de schuldeiser',['Uw hefbomen hangen af van de situatie van uw schuldenaar: aangifte van schuldvordering, terugvordering van geleverde en onbetaalde goederen, bescherming van uw zekerheden, deelname aan een PRJ of een faillissement.','Snel en op de juiste plaats handelen bepaalt wat u werkelijk zult recupereren. 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At this stage, most options remain open: a confidential amicable agreement with certain creditors, a voluntary examination before the Chamber for Enterprises in Difficulty, protective measures.','Acting early is what makes it possible to avoid heavier collective proceedings \u2014 and to do so discreetly. The right time to build a strategy is now, while you are still in control.'],'Prevention'],\n   prj:['Your situation points towards judicial reorganisation (PRJ)',['Pressure is building, but the business can still be saved: this is the territory of the PRJ, which allows you to obtain a stay against your creditors \u2014 publicly or confidentially (private PRJ).','Choosing the type of PRJ (amicable agreement, collective agreement, transfer) and the voting regime is a major strategic decision. Well prepared, it protects the company; improvised, it fails. 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