Financials
- Financial year
- 2025
- Total assets
- €55,077
- Profit
- €11,506
- Solvency
- 44.4%
Total assets▲ 32.5%
Net result
20242025
MARCHAND Stéphanie
ActiveSummary
The computed 12-month bankruptcy probability of MARCHAND Stéphanie is 2.3% (moderate). The 2025 annual accounts show equity of €24,457 and a net result of €11,506. The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
“L'exercice de soins de santé médicaux et paramédicaux en kinésithérapie et ostéopathie au sens…” (deed in French)
From the articles, 9 activitiesNo NACE code in the KBO yet1 site
Size
€55,077total assets 2025
- Equity
- €24,457
- Profit
- €11,506
Turnover not published (micro format)
Structure
Accounts filed 24 days late
Why 54raises riskFounded in 2024No main activity registeredLatest accounts 24 days latelowers riskSize: total assets €55,077Show the evidence
Checked score
Score 2025
54
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 64% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Strong
Solvency
69+13
equity 44.4% of total assets
Liquidity
54+17
short-term debt 17.5% · cash 6.9%
Profitability
95-2
return on assets 20.9%
Bankruptcy probability, 12 months
2.3%
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
12-2025: 1.7%
01-2026: 1.7%● unchanged vs 12-2025lowest value
02-2026: 1.7%● unchanged vs 01-2026
03-2026: 1.9%▲ +0.2 percentage points vs 02-2026
04-2026: 2.0%▲ +0.1 percentage points vs 03-2026
05-2026: 2.1%▲ +0.1 percentage points vs 04-2026
06-2026: 2.1%● unchanged vs 05-2026
07-2026: 2.2%▲ +0.1 percentage points vs 06-2026
08-2026: 3.1%▲ +0.9 percentage points vs 07-2026highest value
09-2026: 2.3%▼ -0.8 percentage points vs 08-2026
10-2026: 2.3%● unchanged vs 09-2026
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.41, compared with 0.64 in 2024, above the usual 1.5; short-term debt: 17.5% and cash: 6.9% of total assets), but 55.6% 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 (no NACE code, micro): better than 41% on solvency, 49% on liquidity, 76% on profitability and 91% on growth.
The bankruptcy probability was computed on 16-10-2026 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
Five signals.
lowers riskraises riskneutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
24 days late
2024
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 2 accounts on average 26 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% 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.
Companies Code · seven monthsWhere today falls in the filing period
16-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Liquidity more than triplescurrent ratio 2.41
- Annual accounts filedfinancial year 2024 · micro…
Key points
By topic
Timeline
- Events
- 4
- Since
- 2024
- Next accounts
- by 31-07-2027
- 27-11-2024Incorporation
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 25-11-2024
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
Articles of association
- Provisions read
- 29
- Purpose
- “L'exercice de soins de santé médicaux et paramédicaux en kinésithérapie et ostéopathie au…” (deed in French)
- Statutory auditor
- No statutory auditor
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