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Generated 30-07-2026
Active BE 0795.963.588Private limited company

Brans Stefanie

Schansstraat 14A ·3920 Lommel, Belgium· 3 yrs active
Sector: Retail trade (47761)
Conclusion Checked

The computed 12-month bankruptcy probability of Brans Stefanie is 2.1% (moderate). The 2024 annual accounts show equity of €85k and a net result of €1k. Its solvency ranks better than 95% of 6675 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €85k
Net result €1k
Staff (FTE) 0.5
Better than sector 95%
Snowflake analysis 5 axes · computed by Checked
Health81Profitability7Solvency100Growth52Stability94
67 / 100

Strong profile, led by solvency.

Health 81
Profitability 7
Solvency 100
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
81 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 24-07-2025 with the NBB · fiscal year 2024 · micro
€-50k€0€50k€100kOperating result 2023: €109k€109kNet result 2023: €74k€74kOperating result 2024: €-10k€-10kNet result 2024: €1k€1k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 83.9% 20.4%
better than 95% of 6675 sector peers
Net result €1k €4k
better than 42% of 6656 sector peers
Equity €85k €16k
better than 83% of 6689 sector peers
Gross operating margin €27k €24k
better than 52% of 6635 sector peers
Staff costs €21k €33k
higher than 38% of 3021 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€4k
-96.6% 23-24
Net profit
€1k
-98.3% 23-24
Cash flow
€16k
-83.6% 23-24
Total assets
€102k
-57.5% 23-24
Equity
€85k
+1.5% 23-24
Working capital
€66k
+32.5% 23-24
Employees (FTE)
1
-58.3% 23-24
Staff costs
€21k
-38.4% 23-24
Income taxes
€477
-98.6% 23-24
Debt
€16k
-89.4% 23-24
Debt ≤ 1y
€16k
-89.4% 23-24
Current ratio
5.01
+279.5% 23-24
Quick ratio
4.20
+2539.6% 23-24
Solvency
83.9%
+138.9% 23-24
Debt / equity
0.19
-89.6% 23-24
ROE
1.5%
-98.3% 23-24
ROA
1.2%
-96.0% 23-24
Interest coverage
1.59
-97.8% 23-24
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€4k
Net profit€1k
Cash flow€16k
Staff costs€21k
Income taxes€477
Dividends-
Total assets€102k
Equity€85k
Debt€16k
of which ≤ 1y€16k
of which > 1y-
Working capital€66k
Employees (FTE)0.5
Ratios (computed)
2024
Current ratio5.01
Quick ratio4.20
Working capital ratio64.7%
Solvency83.9%
Debt / equity0.19
Long-term debt ratio-
Interest coverage1.59
Gross margin-
Net margin-
ROA1.2%
ROE1.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€102k
Fixed assets 21/28€19k
Tangible fixed assets 22/27€19k
Current assets 29/58€82k
Stocks & contracts in progress 3€13k
Amounts receivable within one year 40/41€34k
Cash & bank 54/58€35k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€102k
Equity 10/15€85k
Contributions / capital 10/11€10k
Reserves 13€75k
Amounts payable 17/49€16k
Amounts payable within one year 42/48€16k
Trade debts payable within one year 44€0
Income statement
Gross operating margin 9900€27k
Operating result 9901€-10k
Financial income 75€15k
Financial charges 65€3k
Result before taxes 9903€2k
Income taxes 67/77€477
Net result for the period 9904€1k
Result to be appropriated 9905€1k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Retail trade(47761)
Legal form Private limited company(610)
Incorporation10-01-2023
StatusActive
Postal code3920
Establishment units 1 location
Brans Stefanie
Schansstraat 14, 3920 LommelGroothandel in granen en zaden
since 20232.340.077.092
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72345B1362/00K002 Flanders 800 m² 1 · 130 m² 6.8 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
31-10-2025
State Gazette act Registered-office change
v3.2
24-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
16-04-2025
State Gazette act Minor change
v3.2
2024
30-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
12-01-2023
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 3 acts
Address history · 1
31-10-2025
v3.2
All acts · 3 updated 9 months ago
2025
31-10-2025 Registered office moved within Lommel Registered-office change
  • Kruisstraat 38, 3920 Lommel → Schansstraat 14A, 3920 Lommel
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Lommel",
        "region": null,
        "street": "Schansstraat",
        "country": "BE",
        "postcode": "3920",
        "box_number": null,
        "street_number": "14A"
      },
      "old_address": {
        "city": "Lommel",
        "region": null,
        "street": "Kruisstraat",
        "country": "BE",
        "postcode": "3920",
        "box_number": null,
        "street_number": "38"
      },
      "effective_date": "2025-09-18",
      "evidence_quote": "De vergadering beslist dat de zetel van de vennootschap zal worden verplaatst van Kruisstraat 3920 Lommel naar Schansstraat 14A, 3920 Lommel, en dit vanaf 18/09/2025."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0795.963.588",
    "name_full": "BRANS STEFANIE",
    "legal_form": "BV"
  }
}
16-04-2025 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "detected_kind": "other",
  "effective_date": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0795.963.588",
    "name_full": "BRANS STEFANIE",
    "legal_form": "BV"
  },
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "single_shareholder_declaration": null
}
2023
12-01-2023 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "3920 Lommel, Kruisstraat 38",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1990-03-10",
        "name": "Jorg Kox",
        "niss": null,
        "address": "3920 Lommel, Kruisstraat 38"
      },
      "share_class": "A",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 5000,
      "holder_person_name": "Jorg Kox",
      "is_subscriber_only": true,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 5000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1990-09-20",
        "name": "Stefanie Brans",
        "niss": null,
        "address": "3920 Lommel, Kruisstraat 38"
      },
      "share_class": "A, B",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 5000,
      "holder_person_name": "Stefanie Brans",
      "is_subscriber_only": true,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 5000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 10000,
  "subject_company": {
    "kbo": "0795.963.588",
    "name_full": "Brans Stefanie",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2023-01-10",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Detailhandel in bloemen, planten, zaden en kunstmeststoffen in gespecialiseerde winkels47761Detailhandel in bloemen, planten, zaden en kunstmeststoffen47761Groothandel in akkerbouwproducten en veevoeders, algemeen assortiment46216Groothandel in akkerbouwproducten en veevoeders, algemeen assortiment46216Detailhandel in huisdieren, voedsel voor huisdieren en benodigdheden daarvoor in gespecialiseerde winkels47762Detailhandel in huisdieren, voer voor huisdieren en benodigdheden daarvoor47762
Primary activity highlighted.
Names & trade names
Legal nameNL Brans Stefanie
Registered office
Schansstraat 14A
3920 Lommel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative