Debts
Of this, €159,056 falls due within a year.
Of this, €159,056 falls due within a year.
The 2020 accounts came 11 days late. The other nine of the last ten were filed on time.
Less equity than 85% of companies in retail trade. Sector median €446,796 · 5,069 companies.
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 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). It does better than 22% of them on solvency, 44% on liquidity, 33% on profitability and 28% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 974 companies had the same profile as Fabrice ROGER has now. Each dot stands for 3 companies, two years later.
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Fabrice ROGER itself: 0.5% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 974 companies, not a prediction for Fabrice ROGER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is insufficient, with a current ratio of 0.41 (0.45 in 2024), below 1. Short-term debt is 36.5% and cash 9.2% of total assets. 95.3% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 23 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| Fabrice ROGER Ixelles | €436,329 | €70,394 | 4.7% | - |
| DZILJAGA CERISIERS Schaerbeek | €321,469 | €93,075 | 83.6% | - |
| DJEDJE-MEL et MILLECAMPS Quévy | €475,950 | €86,468 | 76.5% | - |
| STATION WARGNIES Seneffe | €490,103 | €78,627 | 44.1% | 1.6 |
| ANSAVERAN Bredene | €372,627 | €58,452 | 97.8% | - |
| Station des Hannetons Marche-en-Famenne | €368,973 | €61,695 | 54.8% | 0.6 |
| RITTER Oreye | €379,673 | €61,777 | 84.3% | - |
These companies have the same main activity as Fabrice ROGER: retail sale of automotive fuel (NACE 47300). They are comparable in size and age: total assets between €321,000 and €490,000, founded between 1994 and 2000.
Fabrice ROGER has existed since 1997. Turnover fell from €3.8m in 2007 to €1.0m in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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