Block Stéphane

Active

Private limited companyfounded 20215 yrs activePrins Boudewijnlaan 17, 9991 Maldegem, BelgiumKBO/BCE: BE 0762.610.733

The computed 12-month bankruptcy probability of Block Stéphane is 2.4% (moderate). The 2025 annual accounts show equity of €26k and a net result of €6k. Equity is growing by ~44.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

73 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability89▲+1

Solvency92▲+22

Growth78=

Track record94

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 2.34 against 1.7 in 2024; short-term debt: 33.1% and cash: 28.2% of total assets), and 33.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

3 d early

2024

9 d early

2023

on the day

2022

3 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close21-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€26k▲ 32.5%

2024 · €20k

2022: €2k 2023: €13k 2024: €20k

2022 → 2025

Total assets

€39k▼ 11.1%

2024 · €44k

2022: €48k 2023: €45k 2024: €44k

2022 → 2025

Net result

€6k▼ 3.7%

2024 · €7k

2022: €-3k 2023: €11k 2024: €7k

2022 → 2025

Working capital

€17k▲ 49.2%

2024 · €12k

2022: €-7k 2023: €4k 2024: €12k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€2k-€13k▲ 529%€20k▲ 51.0%€26k▲ 32.5%

Operating result€-2k-€16k€11k▼ 31.3%€11k▼ 1.9%

Net result€-3k-€11k€7k▼ 39.4%€6k▼ 3.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 2% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €39k

22.5%

77.5%

Fixed assets €9k▼ 43.9%

Current assets €30k▲ 7.0%

Equity and liabilities €39k

66.9%

33.1%

Equity €26k▲ 32.5%

Debt €13k▼ 46.6%

The debt ratio falls from 55.2% to 33.1%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€19k▲

2024 · €19k

Cash flow

€15k=

2024 · €15k

Solvency

66.9%▲

2024 · 44.8%

Current ratio

2.34▲

2024 · 1.70

Quick ratio

2.34▲

2024 · 1.70

Debt / equity

0.50▼

2024 · 1.23

ROE

24.5%▼

2024 · 33.8%

ROA

16.4%▲

2024 · 15.1%

Interest coverage

44.18▲

2024 · 36.32

Debt

€13k▼

2024 · €24k

Debt ≤ 1 year

€13k▼

2024 · €17k

Debt > 1 year

€0▼

2024 · €7k

Income taxes

€4k▲

2024 · €4k

Staff costs

€0▼

2024 · €161

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€44k€39k▼

Fixed assets21/28€16k€9k▼

Tangible fixed assets22/27€16k€9k▼

Plant, machinery and equipment23€2k€2k▲

Furniture and vehicles24€14k€7k▼

Current assets29/58€28k€30k▲

Amounts receivable within one year40/41€25k€18k▼

Trade receivables40€11k€7k▼

Other amounts receivable41€14k€11k▼

Cash at bank and in hand54/58€2k€11k▲

Deferred charges and accrued income490/1€1k€1k▲

Equity and liabilities

Total equity and liabilities10/49€44k€39k▼

Equity10/15€20k€26k▲

Contributions10/11€5k€5k=

Reserves13€15k€21k▲

Distributable reserves133€15k€21k▲

Amounts payable17/49€24k€13k▼

Amounts payable after more than one year17€7k€0▼

Financial debts170/4€7k€0▼

Amounts payable within one year42/48€17k€13k▼

Current portion of amounts payable after more than one year42€8k€7k▼

Financial debts43€0-

Credit institutions430/8€0-

Trade debts44€3k€364▼

Suppliers440/4€3k€364▼

Taxes, remuneration and social security45€5k€5k▼

Taxes450/3€5k€5k▼

Accrued charges and deferred income492/3€196€0▼

Income statement Code20242025

Remuneration, social security and pensions62€161€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲

Other operating charges640/8€10€141▲

Gross operating margin9900€19k€19k=

Operating profit (loss)9901€11k€11k▼

Financial income75/76B€0€1▲

Recurring financial income75€0€1▲

Financial charges65/66B€530€437▼

Recurring financial charges65€530€437▼

Profit (loss) for the period before taxes9903€10k€10k▼

Income taxes67/77€4k€4k▲

Profit (loss) for the period9904€7k€6k▼

Profit (loss) for the period to be appropriated9905€7k€6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€7k€6k▼

Profit (loss) brought forward from the previous period14P€0-

Transfer to equity691/2€7k€6k▼

To other reserves6921€7k€6k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

Next filing, fiscal year 2026, expected by 31-10-2026

2025

28-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

22-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2023

31-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

31-03

Financial Back to profitnet €11k

Net result €11k after one loss-making year.

2022

03-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 3 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, Maldegem · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Prins Boudewijnlaan 179991 Maldegem

Ground area

310 m²

Building footprint

117 m²

Volume, LiDAR

563 m³

Parcel 43001B0053/00V003, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Block Stéphane

Prins Boudewijnlaan 17, 9991 MaldegemManufacture of rubber and plastic products

since 20212.367.672.703

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
43001B0053/00V003	Flanders	310 m²	1 · 117 m²	9.8 m · 1 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.

Similar companies · same sector, comparable size

Sint-Agatha-Berchem · Eq €26k

MESSINA Concept

BE 0785.628.635

Rebecq · Eq €26k

Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,535 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-01-2021

Fiscal year end31-03

Activities, NACEBEL

43990Other specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.