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Generated 04-09-2026
Active BE 0723.646.229Private limited company

Stock Américain Harry

Rue Dernier Patard 108 ·1470 Genappe, Belgium· 7 yrs active
Sector: Other retail sale of new goods (47789)
Conclusion Checked

The computed 12-month bankruptcy probability of Stock Américain Harry is 1.9% (moderate). The 2025 annual accounts show equity of €210k and a net result of €-15k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 480 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €210k
Net result €-15k
Staff (FTE) 4
Better than sector 64%
Financial profile 5 of 5 axes measured · computed by Checked
Health45Profitability0Solvency73Growth52Stability100
54 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 45
Profitability 0
Solvency 73
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.9% Moderate
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
45 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview7 NBB filings
Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
€-25k€0€25k€50k€75kOperating result 2023: €9k€9kNet result 2023: €4k€4kOperating result 2024: €73k€73kNet result 2024: €48k€48kOperating result 2025: €-2k€-2kNet result 2025: €-15k€-15k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~7.9%/year over 3 fiscal years, indicative, assuming unchanged policy.
€175k€200k€225k€250k€275k2026: €226k (€209k - €243k)2027: €243k (€226k - €260k)2028: €259k (€242k - €276k)2023: €177k2024: €225k2025: €210k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 32.1% 21.2%
better than 64% of 480 sector peers
Net result €-15k €32k
better than 21% of 478 sector peers
Equity €210k €163k
better than 55% of 480 sector peers
Gross operating margin €215k €281k
better than 40% of 480 sector peers
Staff costs €165k €211k
higher than 42% of 386 sector peers
EBITDA
€33k
-67.0% 23-25
Net profit
€-15k
- 23-25
Cash flow
€20k
-73.5% 23-25
Total assets
€652k
-11.2% 23-25
Equity
€210k
-6.7% 23-25
Working capital
€283k
-21.5% 23-25
Employees (FTE)
4
+2.6% 23-25
Staff costs
€165k
+16.2% 23-25
Income taxes
€126
-99.3% 23-25
Debt
€443k
-13.1% 23-25
Debt ≤ 1y
€224k
-18.8% 23-25
Debt > 1y
€214k
-7.5% 23-25
Current ratio
2.26
-1.9% 23-25
Quick ratio
0.40
-34.1% 23-25
Solvency
32.1%
+5.0% 23-25
Debt / equity
2.11
-6.9% 23-25
ROE
-7.2%
- 23-25
ROA
-2.3%
- 23-25
Interest coverage
2.52
-74.1% 23-25
Figures by fiscal year and ratios
Fiscal year2025
Depositabbreviated schema
Revenue-
EBITDA€33k
Net profit€-15k
Cash flow€20k
Staff costs€165k
Income taxes€126
Dividends-
Total assets€652k
Equity€210k
Debt€443k
of which ≤ 1y€224k
of which > 1y€214k
Working capital€283k
Employees (FTE)4.0
Ratios (computed)
2025
Current ratio2.26
Quick ratio0.40
Working capital ratio43.3%
Solvency32.1%
Debt / equity2.11
Long-term debt ratio1.02
Interest coverage2.52
Gross margin-
Net margin-
ROA-2.3%
ROE-7.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€652k
Fixed assets 21/28€146k
Intangible fixed assets 21€18k
Tangible fixed assets 22/27€127k
Financial fixed assets 28€300
Current assets 29/58€507k
Stocks & contracts in progress 3€416k
Amounts receivable within one year 40/41€5k
Cash & bank 54/58€82k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€652k
Equity 10/15€210k
Contributions / capital 10/11€50k
Reserves 13€169k
Accumulated profits (losses) 14€-10k
Amounts payable 17/49€443k
Amounts payable after one year 17€214k
Amounts payable within one year 42/48€224k
Trade debts payable within one year 44€40k
Income statement
Gross operating margin 9900€215k
Operating result 9901€-2k
Financial income 75€57
Financial charges 65€13k
Result before taxes 9903€-15k
Income taxes 67/77€126
Net result for the period 9904€-15k
Result to be appropriated 9905€-15k
Directors & mandates 1 directors
Current directors & mandates
  • Harry VAN RYCKEL
    Director
    State Gazette act 24324624 (12-01-2024)
    Current
    12-01-2024 → present
Legal Structure
NACE primary Other retail sale of new goods(47789)
Legal form Private limited company(610)
Incorporation26-03-2019
StatusActive
Postal code1470
Establishment units 1 location
STOCK AMERICAIN HARRY VAN RYCKEL SPRL
Rue Dernier Patard 108, 1470 GenappeOther retail sale of new goods
since 20192.289.291.060
Real-estate footprint Source: CBE × cadastre
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25003M0115/00T000 Wallonia 443 m² 1 · 173 m² 7.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 8 events
Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial Weakest financial yearnet €-15k ▼131%
Net result drops to €-15k, the lowest in the series.
18-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial Highest result since 2023net €48k ▲1029%
Operating result €73k, net result €48k, both a record.
31-12
Financial Equity above €200kEq €225k ▲27.3%
2 profitable years in a row build equity to €225k.
27-06
NBB filing Annual accounts filed
fiscal year 2023 · full schema
12-01
State Gazette act Director changes
Maximilien CHARPENTIER
2023
28-06
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
06-07
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
03-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
12-01-2024 Harry VAN RYCKEL appointed as director Director changes·Maximilien CHARPENTIER
  • Harry VAN RYCKEL, Bestuurder
Notary: Maximilien CHARPENTIER · Sombreffe
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Harry VAN RYCKEL",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Maximilien CHARPENTIER",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Sombreffe",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-01-12",
    "filing_date": "2024-01-10",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-12-29",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0723.646.229",
    "name_full": "Stock Am\u00E9ricain Harry",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Maximilien Charpentier",
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Other retail sale of new goods47789Other non-specialised retail sale47120Retail trade47191Retail trade47519Retail sale of other household articles47559Retail trade47599Retail trade47712Retail sale of footwear47721Retail sale of other second-hand goods, excluding clothing47793
Names & trade names
Legal nameFR Stock Américain Harry
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative