ok in fact I think It may have been a windows drivers corruptions, because I began to get this bsod in every driver version I tested , and every motherboard BIOS I tested etc ... I checked ram with windows memtest , nothing found...
so before trying to reinstall windows entirely (I was trying to avoid it because I have a lot of software to reinstall then) I tried to use some windows reparation features and I could choose to format my C: and apply a backup image from may 2020... so I'm now with a may 2020 windows (1909 instead of 2004 windows too) perfectly stable, I just have to reinstall progressively update of some drivers ... and it seem AMD 20.8.2 adrenalin are perfectly ok