CIRCUITS PAYSANS

Active

Cooperative companyfounded 2012active for 14 yearsAvenue de Jupille 16, 4020 Liège, BelgiumKBO/BCE: BE 0849.295.376

Summary

CIRCUITS PAYSANS has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41,200 and a net result of €156. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 22,595 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisFollow Report Compare

CIRCUITS PAYSANSActiveChecked score 66/100

Risk analysis Report Compare

Activity

Other retail sale of food

NACE 47279Other non-specialised retail sale NACE 47120

2 sites

Size

€2.5mturnover 2025

Equity: €41,200
Profit: €156

Financial health

66 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.9%

Structure

Largest shareholder: ONEIRA INVEST · 10%
Board: 6 members

2025 accounts 17 days early4 of 15 deeds summarised

Why 66raises riskSector: Retail trade (NACE 47)1 of the last 3 latelowers riskSize: turnover €2.5m, total assets €525,614Founded in 2012Show the evidence

Checked score

Score 2025

66 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 31% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 33-1

equity 7.8% of total assets

Liquidity 14-25

short-term debt 79.6% · cash 5.6%

Profitability 31-16

return on assets 0.0%

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,248 companies, NACE 47, micro)

Last 24 months 11-2024: 0.6% 12-2024: 0.6%● unchanged vs 11-2024 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025lowest value 07-2025: 1.4%▲ +0.8 percentage points vs 06-2025 08-2025: 1.4%● unchanged vs 07-2025 09-2025: 1.4%● unchanged vs 08-2025 10-2025: 1.4%● unchanged vs 09-2025 11-2025: 1.4%● unchanged vs 10-2025 12-2025: 1.4%● unchanged vs 11-2025 01-2026: 1.4%● unchanged vs 12-2025 02-2026: 1.4%● unchanged vs 01-2026 03-2026: 1.4%● unchanged vs 02-2026 04-2026: 1.4%● unchanged vs 03-2026 05-2026: 1.4%● unchanged vs 04-2026highest value 06-2026: 1.3%▼ -0.1 percentage points vs 05-2026 07-2026: 1.3%● unchanged vs 06-2026 08-2026: 0.9%▼ -0.4 percentage points vs 07-2026 09-2026: 0.9%● unchanged vs 08-2026 10-2026: 0.9%● unchanged vs 09-2026

Credit of up to €2,500 on 30-day terms is acceptable

Liquidity tight (current ratio 1.19, compared with 1.26 in 2024, below the usual 1.5; short-term debt: 79.6% and cash: 5.6% of total assets), and 92.2% of the assets are financed with debt and provisions.

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 (NACE 47, micro): better than 25% on solvency, 13% on liquidity, 25% on profitability and 60% on growth.

The bankruptcy probability was computed on 27-10-2026 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 riskraises riskneutral

Size: turnover €2.5m, total assets €525,614

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Founded in 2012

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Sector: Retail trade (NACE 47)

KBO

1 of the last 3 late

NBB · filings

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year €41,200

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

17 days early

2024

158 days late

2023

69 days early

2022

1 day early

2021

46 days early

2020

36 days late

2019

20 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 12 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

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 14 July (3 of the last 3 filed years within 175 days of that day).

Companies Code · seven months

Where today falls in the filing period

28-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

14-07-2026 Annual accounts filedfinancial year 2025 · micro…
05-01-2026 Annual accounts filedfinancial year 2024 · micro…
04-09-2025 Resignations: Delphine Stevens (director) and Etienne…Appointments: Vincent Schyns (director) and…

Key points

Among the largest 5% on gross marginsector median €34,126 · 22,529 companies €269,276 View
2 restructurings since 2023latest: merger with SCRL FS HESBICOOP 2 View
Positive: 3 years of growth in a rowturnover 2025: €2.5m 3 years View

By topic

Financials

Financial year: 2025
Turnover: €2.5m
Profit: €156
Solvency: 7.8%

Turnover▲ 15.6%

Net result

20192025

Go to Financials

Board & ownership

Board: 6 members
Largest shareholder: ONEIRA INVEST · 10%

Groupe d'Action Locale Jesuishesbignon.beDirector
Ariane DebordDirector
Vincent SchynsDirector
Marine TroisfontaineDirector
Niels DuchesneDirector

and 1 other director

Go to Board & ownership

Network & group

Mergers and asset contributions: 2

Go to Network & group

Timeline

Events: 20
Since: 2014
Next accounts: by 31-07-2027

31-12-2024Highest result from 2019 to 2025
10-06-2024Capital & shares · Amendment of the…
23-05-2024Annual accounts filed

Go to Timeline

Company details

Sites: 2

Legal form: Cooperative company
Activity: Other retail sale of foodNACE 47279
Founded: 04-10-2012
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 50

Who signs: Two directors jointly
Purpose: “La formation aux métiers de la logistique et de la distribution alimentaire et…” (deed in French)

Go to Articles of association

Key facts about CIRCUITS PAYSANS

What is the company number of CIRCUITS PAYSANS?: 0849.295.376. In Belgium the VAT number is the company number with BE in front: BE 0849.295.376.
Where is CIRCUITS PAYSANS based?: The registered office is at Avenue de Jupille 16, 4020 Liège.Company details
What does CIRCUITS PAYSANS do?: According to the KBO register, the main activity is other retail sale of food (NACE 47279).
What is the legal form of CIRCUITS PAYSANS?: Cooperative company (CV).
When was CIRCUITS PAYSANS founded?: On 04-10-2012.
Is CIRCUITS PAYSANS still active?: Yes, CIRCUITS PAYSANS is an active enterprise in the KBO register.
How many employees does CIRCUITS PAYSANS have?: On average 4.7 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
What is the turnover of CIRCUITS PAYSANS?: €2.5m in financial year 2025, according to the filed annual accounts.
Is CIRCUITS PAYSANS profitable?: In financial year 2025, CIRCUITS PAYSANS made a profit of €156.
Where can I find the annual accounts of CIRCUITS PAYSANS?: CIRCUITS PAYSANS filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CIRCUITS PAYSANS due?: By 31-07-2027, for financial year 2026.Timeline