Chef Stefan's
ActiveThe computed 12-month bankruptcy probability of Chef Stefan's is 2.9% (moderate). The 2025 annual accounts show negative equity (€-1k) and a net result of €-12k. Equity is shrinking by ~19% per year across the filed fiscal years. Its solvency ranks better than 24% of 13270 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency21▼-79
Growth32=
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.14 against 7.32 in 2024; short-term debt: 103.9% and cash: 0.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-3.9%
Return on assets
-33.4%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-1k
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 27-02-2026, 154 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
154 d early
2024
13 d early
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
61 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-1k
2024 · €10k
2018: €25k
2019: €18k
2020: €18k
2021: €11k
2022: €14k
2023: €14k
2024: €10k
2018 → 2025
Total assets
€35k▲ 198%
2024 · €12k
2018: €35k
2019: €25k
2020: €22k
2021: €15k
2022: €15k
2023: €16k
2024: €12k
2018 → 2025
Net result
€-12k▼ 195%
2024 · €-4k
2018: €7k
2019: €-7k
2020: €-691
2021: €-7k
2022: €3k
2023: €385
2024: €-4k
2018 → 2025
Working capital
€-31k
2024 · €9k
2018: €8k
2019: €7k
2020: €13k
2021: €9k
2022: €12k
2023: €11k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€14k▲ 25.5%€14k▲ 2.8%€10k▼ 27.7%€-1k
Operating result€-6k-€3k€478▼ 84.3%€-4k€-11k▼ 185%
Net result€-7k-€3k€385▼ 86.5%€-4k€-12k▼ 195%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k 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 €35k
Fixed assets
€30k▲ 1,927%
Current assets
€5k▼ 49.4%
Key figures and ratios
EBITDA
€-9k▼
2024 · €-3k
Cash flow
€-9k▼
2024 · €-3k
Solvency
-3.9%▼
2024 · 88.1%
Current ratio
0.14▼
2024 · 7.32
Quick ratio
0.14▼
2024 · 7.18
Debt / equity
-26.55▼
2024 · 0.14
ROA
-33.4%▲
2024 · -33.8%
Interest coverage
-700.69▼
2024 · -395.53
Debt
€37k▲
2024 · €1k
Debt ≤ 1 year
€37k▲
2024 · €1k
Income taxes
€474▲
2024 · €437
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€12k€35k▲
Fixed assets21/28€1k€30k▲
Tangible fixed assets22/27€1k€30k▲
Plant, machinery and equipment23€1k€669▼
Furniture and vehicles24-€29k
Financial fixed assets28€160-
Current assets29/58€10k€5k▼
Stocks and contracts in progress3€200-
Stocks30/36€200-
Amounts receivable within one year40/41€4k€5k▲
Trade receivables40-€2k
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€6k€20▼
Equity and liabilities
Total equity and liabilities10/49€12k€35k▲
Equity10/15€10k€-1k▼
Contributions10/11€19k€19k=
Reserves13€340€340=
Distributable reserves133€340€340=
Profit (loss) carried forward14€-9k€-20k▼
Amounts payable17/49€1k€37k▲
Amounts payable within one year42/48€1k€37k▲
Trade debts44€938€440▼
Suppliers440/4€938€440▼
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€472€474▲
Taxes450/3€472€474▲
Other amounts payable47/48-€33k
Income statement
Code20242025
Non-recurring operating income76A€225-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€650€2k▲
Other operating charges640/8€1k€786▼
Non-recurring operating charges66A-€160
Gross operating margin9900€-2k€-8k▼
Operating profit (loss)9901€-4k€-11k▼
Financial income75/76B€411-
Recurring financial income75€411-
Financial charges65/66B€8€13▲
Recurring financial charges65€8€13▲
Profit (loss) for the period before taxes9903€-4k€-11k▼
Income taxes67/77€437€474▲
Profit (loss) for the period9904€-4k€-12k▼
Profit (loss) for the period to be appropriated9905€-4k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-20k▼
Profit (loss) brought forward from the previous period14P€-5k€-9k▼
The notes to these accounts (8 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
31-12
Financial
Liquidity times 5current ratio 15.48
Current ratio from 3.16 to 15.48; short-term debt falls from €4k to €847.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Antwerpen · 1 establishment unit since 2018
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.
Standonklaan 742610 AntwerpenGround area
232 m²
Building footprint
78 m²
Volume, LiDAR
636 m³
Parcel 11463D0369/00F004, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chef Stefan's
since 20182.273.479.466
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11463D0369/00F004 | Flanders | 232 m² | 1 · 78 m² | 9.8 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.
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TRAITEUR JULES
BE 0754.811.735
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PNMS
BE 0826.505.326
Koekelberg · Eq €10k
SAGOCER
BE 1016.481.905
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Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 1,523 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2018
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.