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STEPHANE BURGEON

Active
Private limited companyfounded 200323 yrs activeRue Saint Pierre(Be) 58, 7100 La Louvière, BelgiumKBO/BCE: BE 0479.431.111
Summary

The computed 12-month bankruptcy probability of STEPHANE BURGEON is 4.0% (moderate). The annual accounts of STEPHANE BURGEON for fiscal year 2024 show a net loss of 82% of the equity at the start of that year. The 2024 annual accounts show equity of €6,903 and a net result of -€31,901. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 25% of 26069 sector peers (fiscal year 2024). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
STEPHANE BURGEONActiveChecked score 46/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of cosmetics and toilet articles
NACE 47750NACE 52330
1 site
Size
€176,318total assets 2024
Equity
€6,903
Loss
-€31,901
Turnover not published (abridged schema)
Financial health
46 Fair Checked score 2024
Bankruptcy chance 12 m
4.0%
Structure
Accounts 67 d overdue0 of 2 deeds read
Why 46- Liquidity: current ratio 1.03- Figures for FY 2024 (filed 31-08-2025)+ Size: total assets €176,318+ Founded in 2003Show the evidence

Checked score

Score 2024
46 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 9% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 29-18
equity 3.9% of total assets
Liquidity 0-10
short-term debt 95.9%
Profitability 0-15
return on assets -18.1%
Bankruptcy probability, 12 months
4.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,158 companies)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● 0.0% vs 11-2024 01-2025: 0.7%▼ -1.0% vs 12-2024lowest value 02-2025: 0.7%● 0.0% vs 01-2025lowest value 03-2025: 0.7%● 0.0% vs 02-2025lowest value 04-2025: 0.8%▲ +9.0% vs 03-2025 05-2025: 0.7%▼ -2.7% vs 04-2025 06-2025: 0.7%▼ -2.4% vs 05-2025 07-2025: 0.9%▲ +27.2% vs 06-2025 08-2025: 1.5%▲ +57.7% vs 07-2025 09-2025: 2.7%▲ +82.6% vs 08-2025 10-2025: 2.6%▼ -0.5% vs 09-2025 11-2025: 2.6%● 0.0% vs 10-2025 12-2025: 2.6%● 0.0% vs 11-2025 01-2026: 2.6%● 0.0% vs 12-2025 02-2026: 2.6%● 0.0% vs 01-2026 03-2026: 2.6%● 0.0% vs 02-2026 04-2026: 2.6%▼ -0.4% vs 03-2026 05-2026: 2.6%▼ -1.6% vs 04-2026 06-2026: 2.5%▼ -3.3% vs 05-2026 07-2026: 2.5%▲ +0.3% vs 06-2026 08-2026: 3.4%▲ +36.3% vs 07-2026 09-2026: 3.5%▲ +2.0% vs 08-2026 10-2026: 4.0%▲ +13.2% vs 09-2026highest value
  • Liquidity: current ratio 1.03 raises the probability
  • Size: total assets €176,318 lowers the probability for this profile
  • Figures for FY 2024 (filed 31-08-2025) raises the probability
  • Founded in 2003 lowers the probability for this profile
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.03 against 1.23 in 2023; short-term debt: 95.9% of total assets), and 96.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 22%, liquidity 1%, profitability 6%, growth against the median 7%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.03
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €176,318
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Figures for FY 2024 (filed 31-08-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2003
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
18192021222324
2018 to 2024 · latest year -€31,901
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
31 d late
2023
29 d late
2022
29 d late
2021
3 d early
2020
25 d late
2019
41 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 25 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Weakest financial yearnet -€31,901
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2024 -€31,901 View
  • Caution: Among the weakest 8% on net resultsector median €4,449 · 26,038 companies -€31,901 View
  • Caution: Accounts not fileddeadline was 31-07-2026 67 d late View

By topic

Financials

Fiscal year
2024
Total assets
€176,318
Loss
-€31,901
Solvency
3.9%
Total assets▲ 0.2%
Net result
20182024
Go to Financials

Timeline

Events
12
Since
2016
  1. 31-08-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 29-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of cosmetics and toilet articlesNACE 47750
Founded
29-01-2003
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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