SUPERETTE SANCHEZ STEPHANE
ActiveSUPERETTE SANCHEZ STEPHANE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €-46k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 10331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-13
Solvency76▼-12
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 2.64 in 2024; short-term debt: 49.2% and cash: 6.8% of total assets), and 49.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-46k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
19 d late
2019
28 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€172k▼ 45.8%
2024 · €318k
2018: €180k
2019: €251k
2020: €327k
2021: €389k
2022: €430k
2023: €403k
2024: €318k
2018 → 2025
Total assets
€339k▼ 32.5%
2024 · €503k
2018: €302k
2019: €372k
2020: €473k
2021: €539k
2022: €638k
2023: €538k
2024: €503k
2018 → 2025
Net result
€-46k▼ 209%
2024 · €-15k
2018: €67k
2019: €71k
2020: €96k
2021: €62k
2022: €79k
2023: €40k
2024: €-15k
2018 → 2025
Working capital
€161k▼ 47.0%
2024 · €304k
2018: €166k
2019: €245k
2020: €323k
2021: €386k
2022: €427k
2023: €398k
2024: €304k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€389k-€430k▲ 10.5%€403k▼ 6.1%€318k▼ 21.2%€172k▼ 45.8%
Operating result€90k-€115k▲ 27.7%€52k▼ 55.0%€-4k€-41k▼ 893%
Net result€62k-€79k▲ 26.7%€40k▼ 48.9%€-15k€-46k▼ 209%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €339k
Fixed assets
€11k▼ 18.3%
Current assets
€328k▼ 32.9%
Equity and liabilities €339k
Equity
€172k▼ 45.8%
Debt
€167k▼ 9.8%
The debt ratio rises from 36.8% to 49.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-39k▼
2024 · €-3k
Cash flow
€-43k▼
2024 · €-13k
Solvency
50.8%▼
2024 · 63.2%
Current ratio
1.97▼
2024 · 2.64
Quick ratio
1.49▼
2024 · 1.93
Debt / equity
0.97▲
2024 · 0.58
ROE
-26.5%▼
2024 · -4.6%
ROA
-13.4%▼
2024 · -2.9%
Interest coverage
-3.60▼
2024 · -0.19
Debt
€167k▼
2024 · €185k
Debt ≤ 1 year
€167k▼
2024 · €185k
Income taxes
€142▼
2024 · €562
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€503k€339k▼
Fixed assets21/28€14k€11k▼
Tangible fixed assets22/27€10k€8k▼
Plant, machinery and equipment23€1k€0▼
Other tangible fixed assets26€9k€8k▼
Financial fixed assets28€3k€3k=
Current assets29/58€490k€328k▼
Amounts receivable after more than one year29€230k€162k▼
Trade receivables290€230k€162k▼
Stocks and contracts in progress3€132k€79k▼
Stocks30/36€132k€79k▼
Amounts receivable within one year40/41€53k€60k▲
Trade receivables40€15k€479▼
Other amounts receivable41€38k€60k▲
Cash at bank and in hand54/58€75k€23k▼
Deferred charges and accrued income490/1€264€3k▲
Equity and liabilities
Total equity and liabilities10/49€503k€339k▼
Equity10/15€318k€172k▼
Contributions10/11€30k€30k=
Reserves13€288k€188k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€285k€185k▼
Profit (loss) carried forward14€0€-46k▼
Amounts payable17/49€185k€167k▼
Amounts payable within one year42/48€185k€167k▼
Current portion of amounts payable after more than one year42€8k€7k▼
Financial debts43€5k€2k▼
Credit institutions430/8€5k€2k▼
Trade debts44€96k€57k▼
Suppliers440/4€96k€57k▼
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€69k€97k▲
Accrued charges and deferred income492/3€49€15▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€188€-36k▼
Operating profit (loss)9901€-4k€-41k▼
Financial income75/76B€4k€7k▲
Recurring financial income75€4k€7k▲
Financial charges65/66B€14k€11k▼
Recurring financial charges65€14k€11k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€-14k€-45k▼
Income taxes67/77€562€142▼
Profit (loss) for the period9904€-15k€-46k▼
Profit (loss) for the period to be appropriated9905€-15k€-46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-46k▼
Profit (loss) brought forward from the previous period14P€19k€0▼
Transfer from equity791/2€71k€100k▲
Transfer to equity691/2€4k€0▼
To other reserves6921€4k€0▼
Profit to be distributed694/7€71k€100k▲
Return on contributions (dividend)694€71k€100k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-46k
Net result drops to €-46k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Highest result since 2018net €96k ▲35.9%
Operating result €141k, net result €96k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €200kEq €251k ▲39.3%
2 profitable years in a row build equity to €251k.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Péruwelz · 1 establishment unit since 2012
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chemin Frontière(PER) 437600 PéruwelzGround area
261 m²
Building footprint
113 m²
Volume, LiDAR
892 m³
Parcel 57064E0595/00V000, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chemin Frontière(PER) 43, 7600 Péruwelz
since 20122.213.044.508
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57064E0595/00V000 | Wallonia | 261 m² | 1 · 113 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePéruwelz2.213.044.508
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Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 4,356 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-09-2012
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.