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STEPHANE DELAUNAY

Active
Private limited companyfounded 200521 yrs activeBreendonkstraat 25, 1840 Londerzeel, BelgiumKBO/BCE: BE 0871.040.402
Summary

The computed 12-month bankruptcy probability of STEPHANE DELAUNAY is 2.9% (moderate). The 2025 annual accounts show equity of €34,832 and a net result of -€859. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 63% of 15573 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Risk analysisWatch ReportCompare
STEPHANE DELAUNAYActiveChecked score 52/100
Risk analysis ReportCompare

Overview

Activity
Activities of company auditors
NACE 69203NACE 74123
Size
€50,427total assets 2025
Equity
€34,832
Loss
-€859
Turnover not published (abridged schema)
Financial health
52 Fair Checked score 2025
Bankruptcy chance 12 m
2.9%
Structure
Accounts filed 12 d late0 of 5 deeds read
Why 52- Liquidity: current ratio 3.23- 1 change of registered office in 24 months- Latest accounts 12 days late; 1 of the last 3 late+ Sector Legal and accounting activities (NACE 69)Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 58% of its sector peers (NACE 69, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 94+94
equity 69.1% of total assets
Liquidity 74+33
short-term debt 30.9%
Profitability 33+33
return on assets -1.7%
Bankruptcy probability, 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,004 companies)
Last 24 months 11-2024: 0.4%lowest value 12-2024: 0.4%● 0.0% vs 11-2024lowest value 01-2025: 0.4%● 0.0% vs 12-2024lowest value 02-2025: 0.4%● 0.0% vs 01-2025lowest value 03-2025: 0.8%▲ +110% vs 02-2025 04-2025: 0.8%● 0.0% vs 03-2025 05-2025: 0.9%▲ +2.8% vs 04-2025 06-2025: 0.9%● 0.0% vs 05-2025 07-2025: 0.9%● 0.0% vs 06-2025 08-2025: 0.9%● 0.0% vs 07-2025 09-2025: 0.9%● 0.0% vs 08-2025 10-2025: 2.2%▲ +160% vs 09-2025 11-2025: 2.2%● 0.0% vs 10-2025 12-2025: 2.2%● 0.0% vs 11-2025 01-2026: 2.2%● 0.0% vs 12-2025 02-2026: 2.2%● 0.0% vs 01-2026 03-2026: 4.5%▲ +105% vs 02-2026 04-2026: 4.5%● 0.0% vs 03-2026 05-2026: 4.1%▼ -9.9% vs 04-2026 06-2026: 4.2%▲ +2.3% vs 05-2026 07-2026: 4.6%▲ +10.4% vs 06-2026 08-2026: 4.8%▲ +4.7% vs 07-2026highest value 09-2026: 2.9%▼ -40.9% vs 08-2026 10-2026: 2.9%● 0.0% vs 09-2026
  • Liquidity: current ratio 3.23 raises the probability
  • 1 change of registered office in 24 months raises the probability
  • Sector Legal and accounting activities (NACE 69) lowers the probability
  • Latest accounts 12 days late; 1 of the last 3 late raises the probability
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 3.23 against 0.51 in 2024; short-term debt: 30.9% of total assets), and 30.9% 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 69, micro). Better than this share of them on solvency 66%, liquidity 63%, profitability 7%, growth against the median 97%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. 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 3.23
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Sector Legal and accounting activities (NACE 69)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Latest accounts 12 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
92 d late
2023
34 d early
2022
8 d early
2021
8 d early
2020
6 d late
2019
7 d 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 after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
UBO non-compliance
Checked, nothing found (1)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 12 August (3 of the last 3 filed years within 80 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
  1. Annual accounts filedfiscal year 2025 · micro…
  2. UBO non-complianceevent 26-01-2026
  3. Liquidity times 6current ratio 3.23

Key points

  • Risk: 7 loss-making years in a rowloss fiscal year 2025 -€859 View
  • Positive: Result rose in 2025from -€56,852 to -€859 ▲ 98.5% View
  • Caution: Among the weakest 10% on net resultsector median €37,408 · 15,574 companies -€859 View

By topic

Financials

Fiscal year
2025
Total assets
€50,427
Loss
-€859
Solvency
69.1%
Total assets▲ 152%
Net result
20192025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 12-08-2026Annual accounts filed
  2. 06-02-2026UBO non-compliance
  3. 31-12-2025Liquidity times 6
Go to Timeline

Company details

Legal form
Private limited company
Activity
Activities of company auditorsNACE 69203
Founded
06-01-2005
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

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