IS THERE ANYBODY OUT THERE ? Verwijst naar een lied van PINK FLOYD - de metafoor is dat gefailleerden diezelfde noodkreet hebben en dat ze niet echt gehoord worden - een vergeten doelgroep. Deze voorstellling geeft weer hoe we deze doelgroep toch begeleiden naar een hernieuwde kans.

1. Is there anybody
out there ?
Corinne Reynders

3. At this point in the plot, the
album's protagonist, Pink is
attempting to reach anybody
outside of his self-built wall.
The repeated question "Is there
anybody out there?" suggests
that no response is heard.
Pink Floyd

4. • Our experiences with companies and people
who went bankrupt
• Consequences of failure not acknowledged
• Obstacles were never displayed
• No services are provided for this target
group
• My duty to expose this today
This presentation is about

5. Intermediate Step
Entrepreneurs at a crossroads

7. Tussenstap =
Expert center for companies in difficulties
 At different stages of the problem
• Before Bankruptcy :
 How to save the company?
 Business Emergency Treatment
 Legal interventions (chapter 11)
• During Bankruptcy :
 Rights
 FAQ
• After Bankruptcy
 Human level
 Legal level
1 2 543
6
Crisis
Prevention Recovery

8. 7558 7613
8434
9466 9566
10138
10619
0
2000
4000
6000
8000
10000
12000
2006 2007 2008 2009 2010 2011 2012
(extrap.)
Prevalence of bancruptcy in Belgium
(source : www.graydon.be)

9. 0
1000
2000
3000
4000
5000
6000
2006 2007 2008 2009 2010 2011 2012
(extrap.)
3419
3880 4110
4816 4870 4897
5287
Prevalence of bankrupcy in Flanders
(source : www.graydon.be)

10. number
of
bankrupt
cies
Year
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011
Location of
the
company
3.694 4.021 4.168 4.329 4.154 3.893 3.992 4.273 4.983 4.918 4.908
Flemish
Region
Brussels-
Capital
Region
1.253 1.211 1.248 1.291 1.388 1.501 1.485 1.813 1.788 1.915 2.348
Walloon
Region
2.147 1.990 2.177 2.315 2.336 2.222 2.201 2.390 2.649 2.737 2.968
BELGIUM 7.094 7.222 7.593 7.935 7.878 7.616 7.678 8.476 9.420 9.570 10.224

11. ”Success is standing up
once more”.
Robert Anthony

13. Tussenstap Intake
Orientation1
Orientation2
Synthesis
Financial
situation
Arrange the
debts
Aspirations
for the
future
History of
the
bankruptcy
PDP
No access to
finance
Job
employee
Alternatives
in finance
Business
concept/idea
PAP
Arrangements
with the
curator
Compose a
dossier for
financial
access

14. Intake
Orientation 1
Orientation 2
Synthesis

15. synthese
Onderne
men
werkt
OW
Syntra
VL
VDAB (leeg) Totaal
Aantal 314 106 37 168 3 314
% 100.00% 33.80% 11.80% 53.50% 1.00% 100.00%
314
106
37
168
3
314
0
50
100
150
200
250
300
350
Outcome after orientation proces

16.  Damaged credibility:
 identification of the entrepreneur with his business
 Damaged credibility as manager:
 banks refuse to open current account, being
blacklisted haunts many entrepreneurs for many years
 Social stigma :
 unfounded suspicion of fraud
 During bankruptcy:
 receiver’s decisions affect property and income
 After bankruptcy:
 start from scratch or even worse. Uncertainty about
remaining / standing debts after bankruptcy.
Bottlenecks for access to credit

17. Problems mapped
After bankruptcy some
entrepreneurs get stuck
Immobilization by
bankruptcy procedure
Psychological
processing crashes by
lack of appropriate care
Lack of minimal
banking service
Health problems
neglected
Poverty follows
bankruptcy
Access to professional
activity troubled

18. After bancruptcy
most self-employed
get hopelessly stuck
Unfinished
bankruptcy causes
troubles
Unpredictability of
terms and
outstanding debts
High need for free
advice
Unreachability and
immobility
Psychological
grieving process
crashes
Damaged self-image
Tendency to
withdraw, fear of
government
Helplessness
positioned at
curator and Justice
Difficult opening of
bank account
Presumption of
financial
incompetence
60% of the Flemish
perceive failed as
fraudsters
Bankrupts are
unprofitable
customers
Health problems
enhance social
exclusion
Long term stress
undermines health
Failed often lack
health insurance
Small businesses
higly depend on
few persons
Poverty follows
bankruptcy

19. 1. No continuation of the reintegration project:
• provide no help to find out which is the
next step in his/her carrier
2. Non (or poor) access to finance
3. Graydon :
3,5 till 9 years before they restart
4. No multiproblem approach is provided,
although the indications are obvious
Is
there
any-
body
out
there
?

20. THANK YOU FOR
YOUR ATTENTION
CORINNE Reynders
professional coach
project coordinator