PASCAL DE STERCK

Active

Private limited companyfounded 2004active for 22 yearsKauwstraat 38/C, 9550 Herzele, BelgiumKBO/BCE: BE 0862.477.379

Summary

PASCAL DE STERCK has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €759,633 and a net result of €16,718. Equity is growing by about 11% per year across the filed financial years. Its solvency ranks better than 86% of 12,737 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

PASCAL DE STERCKActiveChecked score 96/100

Risk analysis Report Compare

Activity

Retail sale of cars and light vans (up to 3.5 tonnes)

NACE 47811General maintenance and repair of cars and light vans (up to 3.5 tonnes) NACE 95311

1 site

Size

≈ €680,000turnover 2025, estimated

Staff: 1 FTE
Equity: €759,633
Profit: €16,718

Turnover estimated from the gross margin

Financial health

96 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

Pascal DE STERCKDirector

2025 accounts 34 days early

Why 96lowers riskLiquidity: current ratio 5.96, cash €445,130Equity €759,633 (75.5% of total assets)Founded in 2004Size: 1 FTE, total assets €1.0mShow the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 67% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 75.5% of total assets

Liquidity 96+32

short-term debt 16.5% · cash 44.2%

Profitability 71-6

return on assets 1.7%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.6% (40,270 companies, NACE 47, micro)

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

Credit of up to €70,000 on 30-day terms is acceptable

Liquidity ample (current ratio 5.96, compared with 6.69 in 2024, above the usual 1.5; short-term debt: 16.5% and cash: 44.2% of total assets), and 24.5% 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 92% on solvency, 95% on liquidity, 53% on profitability and 30% on growth.

The bankruptcy probability was computed on 31-10-2026 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 riskneutral

Liquidity: current ratio 5.96, cash €445,130

NBB · annual accounts

Equity €759,633 (75.5% of total assets)

NBB · annual accounts

Founded in 2004

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

KBO

Size: 1 FTE, total assets €1.0m

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

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-12-2025, 34 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

34 days early

2024

1 day early

2023

2 days early

2022

1 day early

2021

4 days early

2020

5 days early

2019

7 days early

← 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 8 days before 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 financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 29 January (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end31-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

28-12-2025 Annual accounts filedfinancial year 2025 · abbreviated…
30-06-2025 Weakest financial yearnet €16,718 ▼75.7%
30-01-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Caution: Result fell in 2025from €68,670 to €16,718 ▼ 75.7% View
Positive: Among the best 15% on solvencysector median 36.6% · 12,737 companies 75.5% View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Positive: 7 profitable years in a rowprofit 2025: €16,718 7 years View

By topic

Financials

Financial year: 2025
Total assets: €1.0m
Profit: €16,718
Solvency: 75.5%

Total assets▼ 6.2%

Net result

20192025

Go to Financials

Board & ownership

Board: 1 member

Pascal DE STERCKDirector

Go to Board & ownership

Timeline

Events: 25
Since: 2006
Next accounts: by 31-01-2027

29-01-2024Annual accounts filed
29-08-2023Resignation: Pascal DE STERCK (manager)
30-01-2023Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Retail sale of cars and light vans (up…NACE 47811
Founded: 06-01-2004
Year ends: 30-06
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 10

Who signs: Each director alone
Annual meeting: Third Saturday of December at 14:00
Purpose: “Kleinhandel in nieuwe wagens,het smeren van voertuigen,het aftappen en verversen van…” (deed in Dutch)

Go to Articles of association

Key facts about PASCAL DE STERCK

What is the company number of PASCAL DE STERCK?: 0862.477.379. In Belgium the VAT number is the company number with BE in front: BE 0862.477.379.
Where is PASCAL DE STERCK based?: The registered office is at Kauwstraat 38/C, 9550 Herzele.Company details
What does PASCAL DE STERCK do?: According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of PASCAL DE STERCK?: Private limited company (BV).
When was PASCAL DE STERCK founded?: On 06-01-2004.
Is PASCAL DE STERCK still active?: Yes, PASCAL DE STERCK is an active enterprise in the KBO register.
How many employees does PASCAL DE STERCK have?: On average 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of PASCAL DE STERCK?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is PASCAL DE STERCK profitable?: In financial year 2025, PASCAL DE STERCK made a profit of €16,718.
Where can I find the annual accounts of PASCAL DE STERCK?: PASCAL DE STERCK filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PASCAL DE STERCK due?: By 31-01-2027, for financial year 2026.Timeline