STREPYDIS
ActiveSummary
The computed 12-month bankruptcy probability of STREPYDIS is 1.5% (moderate). The 2025 annual accounts show equity of €275,711 and a net result of -€170,658. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 37% of 4209 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-80
Solvency50▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.93 against 1.11 in 2024; short-term debt: 71.8% and cash: 13.8% of total assets), and 75% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
49 d late
2023
1 d early
2022
25 d late
2021
18 d late
2020
44 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 23 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€170,658
2024 · €135,414
Working capital
-€57,038
2024 · €105,465
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€213,493▲ 17.9%€72,636▼ 66.0%-€27,236€220,557-€115,323
Net result€141,575▲ 18.6%€21,398▼ 84.9%-€71,380€135,414-€170,658
Equity€360,938▲ 64.5%€382,336▲ 5.9%€310,956▼ 18.7%€446,370▲ 43.5%€275,711▼ 38.2%
Total assets€1.9m▲ 3.9%€1.8m▼ 5.2%€1.5m▼ 15.9%€1.4m▼ 2.7%€1.1m▼ 23.8%
Debt€1.5m▼ 4.5%€1.4m▼ 7.8%€1.2m▼ 15.1%€1.0m▼ 14.9%€828,580▼ 17.4%
Working capital€164,605▲ 77.0%€21,448▼ 87.0%-€101,104€105,465-€57,038
Staff (FTE)27.3▼ 16.3%27▼ 1.1%24.5▼ 9.3%19.1▼ 22.0%18.2▼ 4.7%
Why a figure moved sharply
- 2022 Net result -85% on 2021. Cause not known from the registers.
- 2021 Equity +65% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €115,323 after €220,557 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€367,356 ▼ 8.3%
Current assets
€735,593 ▼ 29.9%
Equity and liabilities €1.1m
Equity
€275,711 ▼ 38.2%
Debt
€828,580 ▼ 17.4%
Debt's share of the balance-sheet total rises from 69.2% to 75.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€31,865▼
2024 · €333,823
Cash flow
-€87,200▼
2024 · €248,680
Current ratio
0.93▼
2024 · 1.11
Quick ratio
0.39▼
2024 · 0.68
Debt to equity
3.01▲
2024 · 2.25
ROE
-61.9%▼
2024 · 30.3%
ROA
-15.5%▼
2024 · 9.3%
Interest coverage
-1.04▼
2024 · 9.20
Debt ≤ 1 year
€792,631▼
2024 · €943,800
Debt > 1 year
€35,949▲
2024 · €4,760
Income taxes
€241▼
2024 · €30,325
Staff costs
€642,914▼
2024 · €694,902
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 121 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 86% are still going.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
5.8%
went bankrupt
5.8%
stopped otherwise
86%
still going
A further 2.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 121 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €148 | €4,105 | €399 | €26,747 | €9,044 | ▼ 66.2% |
| Remuneration, social security and pensions62 | €683,447 | €845,459 | €820,912 | €694,902 | €642,914 | ▼ 7.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €117,687 | €124,758 | €129,720 | €113,266 | €83,458 | ▼ 26.3% |
| Other operating charges640/8 | €56,770 | €62,017 | €60,474 | €63,970 | €60,484 | ▼ 5.4% |
| Non-recurring operating charges66A | €17,994 | €11,877 | €11,406 | €1,214 | €1,192 | ▼ 1.8% |
| Gross operating margin9900 | €1.1m | €1.1m | €995,275 | €1.1m | €672,725 | ▼ 38.5% |
| Operating profit (loss)9901 | €213,493 | €72,636 | -€27,236 | €220,557 | -€115,323 | ▼ 152% |
| Financial income75/76B | €109 | €1,765 | €2,186 | €4,547 | €2,046 | ▼ 55.0% |
| Recurring financial income75 | €109 | €1,765 | €2,186 | €4,547 | €2,046 | ▼ 55.0% |
| Financial charges65/66B | €32,366 | €45,813 | €45,874 | €59,365 | €57,140 | ▼ 3.7% |
| Recurring financial charges65 | €31,203 | €34,271 | €39,812 | €36,267 | €30,661 | ▼ 15.5% |
| Non-recurring financial charges66B | €1,163 | €11,542 | €6,062 | €23,098 | €26,479 | ▲ 14.6% |
| Profit (loss) for the period before taxes9903 | €181,235 | €28,587 | -€70,924 | €165,739 | -€170,417 | ▼ 203% |
| Income taxes67/77 | €39,661 | €7,189 | €456 | €30,325 | €241 | ▼ 99.2% |
| Profit (loss) for the period9904 | €141,575 | €21,398 | -€71,380 | €135,414 | -€170,658 | ▼ 226% |
| Transfer from tax-exempt reserves789 | - | - | - | €109,460 | €0 | ▼ 100% |
| Transfer to tax-exempt reserves689 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €141,575 | €21,398 | -€71,380 | €244,874 | -€170,658 | ▼ 170% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.9m | €1.8m | €1.5m | €1.4m | €1.1m | ▼ 23.8% |
| Formation expenses20 | €4,624 | €3,040 | €1,457 | €73 | €1,343 | ▲ 1,732% |
| Fixed assets21/28 | €566,975 | €560,481 | €470,733 | €400,445 | €367,356 | ▼ 8.3% |
| Tangible fixed assets22/27 | €565,375 | €535,521 | €441,273 | €373,837 | €337,481 | ▼ 9.7% |
| Land and buildings22 | €155,664 | €178,758 | €158,358 | €135,159 | €111,970 | ▼ 17.2% |
| Plant, machinery and equipment23 | €350,134 | €308,577 | €240,510 | €212,421 | €193,927 | ▼ 8.7% |
| Furniture and vehicles24 | €59,578 | €48,187 | €42,406 | €26,257 | €31,584 | ▲ 20.3% |
| Financial fixed assets28 | €1,600 | €24,960 | €29,460 | €26,608 | €29,875 | ▲ 12.3% |
| Current assets29/58 | €1.3m | €1.2m | €1.0m | €1.0m | €735,593 | ▼ 29.9% |
| Stocks and contracts in progress3 | €379,747 | €438,456 | €474,874 | €408,451 | €427,927 | ▲ 4.8% |
| Stocks30/36 | €379,747 | €438,456 | €474,874 | €408,451 | €427,927 | ▲ 4.8% |
| Amounts receivable within one year40/41 | €146,725 | €94,511 | €111,254 | €211,470 | €147,456 | ▼ 30.3% |
| Trade receivables40 | €120,698 | €70,134 | €54,555 | €124,482 | €81,238 | ▼ 34.7% |
| Other amounts receivable41 | €26,027 | €24,377 | €56,699 | €86,988 | €66,218 | ▼ 23.9% |
| Cash at bank and in hand54/58 | €760,145 | €665,119 | €421,974 | €411,641 | €152,223 | ▼ 63.0% |
| Deferred charges and accrued income490/1 | €8,705 | €9,074 | €9,104 | €17,703 | €7,987 | ▼ 54.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.9m | €1.8m | €1.5m | €1.4m | €1.1m | ▼ 23.8% |
| Equity10/15 | €360,938 | €382,336 | €310,956 | €446,370 | €275,711 | ▼ 38.2% |
| Contributions10/11 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Capital10 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Issued capital100 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves13 | €109,955 | €109,955 | €109,955 | €346,370 | €175,711 | ▼ 49.3% |
| Non-distributable reserves130/1 | €495 | €495 | €495 | €495 | €495 | = |
| Legal reserve130 | €495 | €495 | €495 | €495 | €495 | = |
| Tax-exempt reserves132 | €109,460 | €109,460 | €109,460 | €0 | - | - |
| Distributable reserves133 | - | - | - | €345,874 | €175,216 | ▼ 49.3% |
| Profit (loss) carried forward14 | €150,983 | €172,381 | €101,001 | €0 | - | - |
| Amounts payable17/49 | €1.5m | €1.4m | €1.2m | €1.0m | €828,580 | ▼ 17.4% |
| Amounts payable after more than one year17 | €374,980 | €202,538 | €55,694 | €4,760 | €35,949 | ▲ 655% |
| Financial debts170/4 | €370,220 | €197,779 | €50,935 | €0 | €31,189 | - |
| Other amounts payable178/9 | €4,760 | €4,760 | €4,760 | €4,760 | €4,760 | = |
| Amounts payable within one year42/48 | €1.1m | €1.2m | €1.1m | €943,800 | €792,631 | ▼ 16.0% |
| Current portion of amounts payable after more than one year42 | €170,616 | €208,149 | €182,961 | €85,575 | €8,294 | ▼ 90.3% |
| Financial debts43 | €10,428 | €16,811 | €31,521 | €70,312 | €51,357 | ▼ 27.0% |
| Credit institutions430/8 | €10,428 | €16,811 | €31,521 | €70,312 | €51,357 | ▼ 27.0% |
| Trade debts44 | €794,025 | €762,358 | €774,033 | €649,727 | €604,990 | ▼ 6.9% |
| Suppliers440/4 | €794,025 | €762,358 | €774,033 | €649,727 | €604,990 | ▼ 6.9% |
| Taxes, remuneration and social security45 | €111,861 | €166,092 | €129,795 | €104,802 | €94,657 | ▼ 9.7% |
| Taxes450/3 | €27,661 | €34,850 | €0 | - | €241 | - |
| Remuneration and social security454/9 | €84,200 | €131,242 | €129,795 | €104,802 | €94,415 | ▼ 9.9% |
| Other amounts payable47/48 | €43,787 | €32,302 | €0 | €33,384 | €33,333 | ▼ 0.2% |
| Accrued charges and deferred income492/3 | €286 | €95 | €4,436 | €54,854 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €141,575 | €21,398 | -€71,380 | €135,414 | -€170,658 | ▼ 226% |
| + Depreciation and write-downs630 | €117,687 | €124,758 | €129,720 | €113,266 | €83,458 | ▼ 26.3% |
| Operating cash flow (approximation) | €259,262 | €146,156 | €58,339 | €248,680 | -€87,200 | ▼ 135% |
| Investment in fixed assets (approximation) | - | -€118,264 | -€39,972 | -€42,978 | -€50,368 | ▼ 17.2% |
| Change in cash | - | -€95,025 | -€243,146 | -€10,333 | -€259,419 | ▼ 2,411% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€170,658
Net result drops to -€170,658, the lowest in the series.
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 49 days late
2024
31-12
Financial
Back to profitnet €135,414
Net result €135,414 after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 25 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 18 days late
2021
31-12
Financial
Highest result since 2020net €141,575 ▲18.6%
Net result €141,575, the highest in the series.
13-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, La Louvière · 1 establishment unit since 2019
Ground area
8,890 m²
Building footprint
1,549 m²
Volume, LiDAR
6,851 m³
Parcel 55042B0007/00G000, Wallonia · tallest building 5.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INTERMARCHE
since 20192.292.253.916
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55042B0007/00G000 | Wallonia | 8,890 m² | 1 · 1,549 m² | 5.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLa Louvière2.292.253.916
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,850. 3,898 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded13-08-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0732580919
Registered
12-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.