Simplicité
ActiveSummary
The computed 12-month bankruptcy probability of Simplicité is 1.7% (moderate). The 2025 annual accounts show equity of €153,657 and a net result of €188,149. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 64% of 2,603 sector peers (NACE 85, financial year 2025). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 21-04-2011 Normal situation
- Activity
- Vocational training NACE 85592
- Establishment unit
- 2.200.754.608 5101 Namur, since 18-04-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 24-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.7%
- Gross margin
- €273,799
- ▲ 13×
- Turnover
- ≈ €410,000
- estimated
- Profit
- €188,149
- Equity
- €153,657
- Total assets
- €256,516
- ▲ 48.8%
Score breakdownraises riskLiquidity: current ratio 2.732 of the last 3 accounts late1 change of registered office in 24 monthslowers riskSector: Education (NACE 85)Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
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 85, micro). It does better than 62% of them on solvency, 56% on liquidity, 90% on profitability and 99% on growth.
The bankruptcy probability was computed on 03-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 44 days after the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-06-2026 at the NBB all 15 filings
Every figure per financial year
The operating result for 2025 is a profit of €254,408, after a loss of €10,786 in 2024. It is the highest result since 2021.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €11,684 | €44,008 | €44,965 | - | - |
| Depreciation and write-downs of the year | €28,843 | €26,038 | €31,099 | €31,046 | €13,510 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,193 | €24,929 | €33,418 | €28,843 | €26,038 | €31,099 | €31,046 | €13,510 | ▼ 56.5% |
| Other operating charges640/8 | - | - | - | €3,667 | €3,509 | €5,478 | €735 | €5,881 | ▲ 701% |
| Gross operating margin9900 | €35,490 | €25,011 | €25,805 | €37,208 | €27,379 | €41,359 | €20,995 | €273,799 | ▲ 13× |
| Operating profit (loss)9901 | €5,837 | -€10,818 | -€11,038 | €4,698 | -€2,168 | €4,782 | -€10,786 | €254,408 | - |
| Financial income75/76B | - | - | - | - | €9 | - | - | €1 | - |
| Recurring financial income75 | €3 | - | €3 | - | €9 | - | - | €1 | - |
| Financial charges65/66B | - | - | - | €2,226 | €1,971 | €4,047 | €4,417 | €2,851 | ▼ 35.4% |
| Recurring financial charges65 | €3,997 | €3,988 | €3,090 | €2,226 | €1,971 | €4,047 | €4,417 | €2,851 | ▼ 35.4% |
| Profit (loss) for the period before taxes9903 | €1,843 | -€14,806 | -€14,124 | €2,472 | -€4,130 | €735 | -€15,202 | €251,557 | - |
| Income taxes67/77 | €2,464 | €293 | €502 | €503 | €1,125 | €4,426 | €590 | €63,408 | ▲ 107× |
| Profit (loss) for the period9904 | -€620 | -€15,098 | -€14,627 | €1,969 | -€5,256 | -€3,690 | -€15,792 | €188,149 | - |
| Profit (loss) for the period to be appropriated9905 | -€620 | -€15,098 | -€14,627 | €1,969 | -€5,256 | -€3,690 | -€15,792 | €188,149 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €215,714 | €220,275 | €193,400 | €177,452 | €195,335 | €206,564 | €172,425 | €256,516 | ▲ 48.8% |
| Fixed assets21/28 | €211,029 | €214,889 | €188,794 | €171,635 | €189,605 | €203,471 | €172,425 | - | - |
| Tangible fixed assets22/27 | €211,029 | €214,889 | €188,794 | €171,635 | €189,605 | €203,471 | €172,425 | - | - |
| Land and buildings22 | - | - | - | €150,937 | €140,355 | €172,524 | €158,349 | - | - |
| Furniture and vehicles24 | - | - | - | €20,698 | €49,250 | €30,947 | €14,076 | - | - |
| Current assets29/58 | €4,686 | €5,387 | €4,606 | €5,818 | €5,731 | €3,093 | €0 | €256,516 | ▲ 1,973,197× |
| Amounts receivable within one year40/41 | €2,451 | €3,368 | €2,057 | €3,381 | €2,567 | - | - | €256,516 | - |
| Trade receivables40 | - | - | - | €3,381 | €2,567 | - | - | - | - |
| Other amounts receivable41 | - | - | - | - | - | - | - | €256,516 | - |
| Cash at bank and in hand54/58 | €535 | - | €406 | €0 | €300 | €793 | €0 | - | - |
| Deferred charges and accrued income490/1 | - | - | - | €2,436 | €2,863 | €2,300 | - | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €215,714 | €220,275 | €193,400 | €177,452 | €195,335 | €206,564 | €172,425 | €256,516 | ▲ 48.8% |
| Equity10/15 | €35,102 | €20,004 | €5,378 | €7,346 | €2,091 | -€1,600 | -€17,392 | €153,657 | - |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €8,060 | €8,060 | €8,060 | = |
| Reserves13 | €18,960 | €18,960 | €18,960 | €18,960 | €18,960 | €17,100 | €17,100 | €145,000 | ▲ 748% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | - | - | - | €17,100 | €17,100 | €17,100 | €17,100 | - | - |
| Distributable reserves133 | - | - | - | - | - | - | - | €145,000 | - |
| Profit (loss) carried forward14 | €9,942 | -€5,156 | -€19,783 | -€17,814 | -€23,069 | -€26,760 | -€42,552 | €597 | - |
| Amounts payable17/49 | €180,612 | €200,271 | €188,022 | €170,106 | €193,245 | €208,163 | €189,817 | €102,858 | ▼ 45.8% |
| Amounts payable after more than one year17 | €70,532 | €82,162 | €50,663 | €21,251 | €35,637 | €69,275 | €56,974 | €8,734 | ▼ 84.7% |
| Financial debts170/4 | - | - | - | €21,251 | €35,637 | €69,275 | €56,974 | €8,734 | ▼ 84.7% |
| Amounts payable within one year42/48 | €107,080 | €115,109 | €134,031 | €148,855 | €153,135 | €134,388 | €128,843 | €94,124 | ▼ 26.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €29,467 | €25,625 | €14,587 | €12,301 | €8,351 | ▼ 32.1% |
| Financial debts43 | - | - | - | €2,802 | €2,741 | - | €1,753 | €1,138 | ▼ 35.1% |
| Credit institutions430/8 | - | - | - | €2,802 | €2,741 | - | €1,753 | €1,138 | ▼ 35.1% |
| Trade debts44 | €820 | €559 | €402 | €6,968 | €1,287 | - | - | €3,537 | - |
| Suppliers440/4 | - | - | - | €6,968 | €1,287 | - | - | €3,537 | - |
| Taxes, remuneration and social security45 | - | - | - | €500 | €1,706 | €5,576 | €5,018 | €64,853 | ▲ 13× |
| Taxes450/3 | - | - | - | €500 | €1,706 | €5,576 | €5,018 | €64,853 | ▲ 13× |
| Other amounts payable47/48 | - | - | - | €109,119 | €121,776 | €114,225 | €109,771 | €16,245 | ▼ 85.2% |
| Accrued charges and deferred income492/3 | - | - | - | - | €4,472 | €4,500 | €4,000 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€620 | -€15,098 | -€14,627 | €1,969 | -€5,256 | -€3,690 | -€15,792 | €188,149 | - |
| + Depreciation and write-downs630 | €26,193 | €24,929 | €33,418 | €28,843 | €26,038 | €31,099 | €31,046 | €13,510 | ▼ 56.5% |
| Operating cash flow (approximation) | €25,573 | €9,831 | €18,791 | €30,812 | €20,782 | €27,408 | €15,254 | €201,659 | ▲ 13× |
| Investment in fixed assets (approximation) | - | -€28,789 | -€7,323 | -€11,684 | -€44,008 | -€44,965 | €0 | - | - |
| Change in cash | - | - | - | -€406 | €300 | €493 | -€793 | - | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 34,693 companies had the same profile as Simplicité has now. Two years later, 95.3% were still going and 0.7% had gone bankrupt.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
The bankruptcy probability of Simplicité itself is higher: 1.7% within 12 months. It rests on far more data about Simplicité than the profile alone.
Test of the method
The method was tested on the 497,446 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 34,693 companies, not a prediction for Simplicité. 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.
Latest 10 of 15 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-06-2026 | 2026-00257842 | |
| 31-12-2024 | micro format | 29-09-2025 | 2025-00533641 | |
| 31-12-2023 | micro format | 27-01-2025 | 2025-00017438 | |
| 31-12-2022 | micro format | 13-04-2023 | 2023-00058209 | |
| 31-12-2021 | micro format | 30-09-2022 | 2022-20442581 | |
| 31-12-2020 | micro format | 20-10-2021 | 2021-72300220 | |
| 31-12-2019 | micro format | 07-10-2020 | 2020-59200497 | |
| 31-12-2018 | micro format | 30-09-2019 | 2019-66500225 | |
| 31-12-2017 | micro format | 14-08-2018 | 2018-47800374 | |
| 31-12-2016 | micro format | 29-07-2017 | 2017-37700128 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 17-01-2024 Converted to unavailable equity · €8,060
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| PIRET Stéphanie |
|
| Pascal BOURGEOIS |
|
Network & group
Simplicité shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of Simplicité. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
09-12
Gazette deed
Registered office moved from Bertrix to ErpentNew seat: rue des Aubépines n°108 - 5101 Erpent · Previous seat: rue de la Fèche n° 34 - 6880 Bertrix3 points ▸
- General meeting, 01-07-2025
- Registered-office move, rue des Aubépines n°108 - 5101 Erpent
- Other provision, “présence à l'assemblée générale extraordinaire”, 01-07-2025 (deed in French)
17-01
Gazette deed
Company renamed from Lao et compagnie to SimplicitéChange of role: PIRET Stéphanie, from manager to director · Amendment of the articles · Capital conversion12 points ▸
- General meeting, 20-12-2023
- Name change, Simplicité
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Capital
- Amendment of the articles, 6
- General meeting, “unanimité, adoption des nouveaux statuts” (deed in French)
- Director resignation, PIRET Stéphanie (manager)
- Director appointment, PIRET Stéphanie (director (not named in the articles))
- Other provision, “décharge au gérant démissionnaire, reportée à la prochaine assemblée générale annuelle” (deed in French)
- Registered office clause, “unanimité, 6880 Bertrix,Rue de la Fèche,34” (deed in French)
- Power of attorney
14-07
Gazette deed
Registered office moved within BertrixNew seat: 34, rue de la Fèche à 6880 Bertrix · Previous seat: Rue de Burhaimont, 105 B-6880 Bertrix · Resignation: Pascal BOURGEOIS (director)4 points ▸
- General meeting, 16-06-2023
- Director resignation, Pascal BOURGEOIS (director)
- Director discharge, Pascal BOURGEOIS
- Registered-office move, 34, rue de la Fèche à 6880 Bertrix
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- rue de la Fèche n° 34, 6880 Bertrix until 01-07-2025 · act of 09-12-2025
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92039A0117/00E000 | Wallonia | 319 m² | - | - |
| 92039A0117/00F000 | Wallonia | 319 m² | - | - |