Financials
- Financial year
- 2025
- Total assets
- €11,422
- Loss
- -€400
- Solvency
- -154.2%
BERNARD STEMPIEN SPRL
ActiveSummary
The computed 12-month bankruptcy probability of BERNARD STEMPIEN SPRL is 1.9% (moderate). The 2025 annual accounts show negative equity (-€17,614) and a net result of -€400. Equity is shrinking by about 8.9% per year across the filed financial years. The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activity not known1 site
Size
€11,422total assets 2025
- Equity
- -€17,614
- Loss
- -€400
Turnover not published (micro format)
Structure
Accounts filed 31 days late0 of 3 deeds read
Why 52raises riskNo main activity registeredLatest accounts 31 days late; 2 of the last 3 lateLiquidity: current ratio 0.39lowers riskSize: total assets €11,422Show the evidence
Checked score
Score 2025
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 9% of its sector peers (no NACE code, micro)
Financial strength · tick = 2022
Weak
Solvency
0=
equity -154.2% of total assets
Liquidity
0=
short-term debt 254.2%
Profitability
29+24
return on assets -3.5%
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 5.2%
12-2024: 6.4%▲ +1.2 percentage points vs 11-2024
01-2025: 9.3%▲ +2.9 percentage points vs 12-2024
02-2025: 9.3%● unchanged vs 01-2025
03-2025: 9.5%▲ +0.2 percentage points vs 02-2025
04-2025: 9.2%▼ -0.3 percentage points vs 03-2025
05-2025: 9.2%● unchanged vs 04-2025
06-2025: 9.2%● unchanged vs 05-2025
07-2025: 9.2%● unchanged vs 06-2025
08-2025: 9.8%▲ +0.6 percentage points vs 07-2025
09-2025: 9.8%● unchanged vs 08-2025
10-2025: 11.5%▲ +1.7 percentage points vs 09-2025highest value
11-2025: 11.5%● unchanged vs 10-2025highest value
12-2025: 11.5%● unchanged vs 11-2025highest value
01-2026: 11.5%● unchanged vs 12-2025highest value
02-2026: 11.5%● unchanged vs 01-2026highest value
03-2026: 11.5%● unchanged vs 02-2026highest value
04-2026: 11.5%● unchanged vs 03-2026highest value
05-2026: 11.5%● unchanged vs 04-2026highest value
06-2026: 11.5%● unchanged vs 05-2026highest value
07-2026: 11.5%● unchanged vs 06-2026highest value
08-2026: 11.1%▼ -0.4 percentage points vs 07-2026
09-2026: 1.9%▼ -9.2 percentage points vs 08-2026lowest value
10-2026: 1.9%● unchanged vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.39, compared with 0.42 in 2022; short-term debt: 254.2% of total assets), and equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 5% on solvency, 1% on liquidity and 20% on profitability.
The bankruptcy probability was computed on 08-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
−lowers risk+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18212225
2018 to 2025 · latest year -€17,614
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2022
31 days late
2021
23 days late
2018
31 days late
2017
31 days late
2016
31 days late
2015
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 30 days after the deadline; the Belgian median for financial year 2022 is 3 days before the deadline, and 42% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
09-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2022 · micro…
- Annual accounts filedfinancial year 2021 · micro…
Key points
By topic
Timeline
- Events
- 12
- Since
- 2010
- Next accounts
- by 31-07-2027
- 31-08-2019Annual accounts filed
- 31-08-2018Annual accounts filed
- 31-08-2017Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Founded
- 08-05-2008
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
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