CRIS & STEF
ActiveSummary
CRIS & STEF has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93,409 and a net result of €14,694. Equity is growing by ~38.7% per year across the filed fiscal years. Its solvency ranks better than 29% of 85 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Overview
What they do
Manufacture of basic metals
NACE 24200
#9 company by total assets in Ganshoren, Manufacturing sector1 site
How big
€529,329total assets 2025
- Equity
- €93,409
- Profit
- €14,694
Turnover not published (abridged schema)
Who decides
Accounts 4 d early0 of 4 deeds read
Why 56- Higher-failure-rate region- Higher-failure-rate sector+ Long track record+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-2
Solvency43▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity short (current ratio 0.27 against 0.43 in 2024; short-term debt: 27.4% and cash: 2.6% of total assets), and 82.4% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 24
Relative position
BE, all sectors
reference
Manufacture of basic metals (NACE 24)
about 47% more bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
17.6%
Return on assets
2.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
45 d early
2023
1 d early
2022
19 d early
2021
5 d early
2020
5 d early
2019
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 29% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 26 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Financials
Fiscal year 2025Total assets €529,329Profit €14,694Solvency 17.6%Liquidity 0.27
Turnover
€0
2020
Net result
€14,694▼ 38.5%
2019 - 2025
Equity
€93,409▲ 18.7%
2019 - 2025
Solvency
17.6%▲ 4.2pp
2019 - 2025
Financials · fiscal year 2025, micro schema
In the rankings
#9 company by total assets in Ganshoren, Manufacturing sector#10 company by equity in Ganshoren, Manufacturing sector
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 24, Manufacture of basic metals, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€15,458▼ 40.0%€53,492▲ 246%€26,772▼ 50.0%€41,237▲ 54.0%€27,468▼ 33.4%
Net result€202within the sector's middle half▼ 97.8%€32,226within the sector's middle half▲ 15,885%€12,857within the sector's middle half▼ 60.1%€23,908within the sector's middle half▲ 86.0%€14,694within the sector's middle half▼ 38.5%
Equity€9,724below the sector's middle half▲ 2.1%€41,950within the sector's middle half▲ 331%€54,807within the sector's middle half▲ 30.6%€78,715within the sector's middle half▲ 43.6%€93,409within the sector's middle half▲ 18.7%
Total assets€619,293above the sector's middle half▼ 5.5%€630,717above the sector's middle half▲ 1.8%€614,415above the sector's middle half▼ 2.6%€585,507above the sector's middle half▼ 4.7%€529,329above the sector's middle half▼ 9.6%
Debt€609,569▼ 5.6%€588,766▼ 3.4%€559,608▼ 5.0%€506,792▼ 9.4%€435,920▼ 14.0%
Working capital-€87,796below the sector's middle half▼ 11.8%-€81,483below the sector's middle half▲ 7.2%-€95,505below the sector's middle half▼ 17.2%-€89,768below the sector's middle half▲ 6.0%-€106,465below the sector's middle half▼ 18.6%
Solvency1.6%below the sector's middle half▲ 0.1pp6.7%below the sector's middle half▲ 5.1pp8.9%below the sector's middle half▲ 2.3pp13.4%below the sector's middle half▲ 4.5pp17.6%within the sector's middle half▲ 4.2pp
Current ratio0.37below the sector's middle half▼ 0.070.50below the sector's middle half▲ 0.140.38below the sector's middle half▼ 0.120.43below the sector's middle half▲ 0.050.27below the sector's middle half▼ 0.17
Return on assets (ROA)0.0%within the sector's middle half▼ 1.4pp5.1%within the sector's middle half▲ 5.1pp2.1%within the sector's middle half▼ 3.0pp4.1%within the sector's middle half▲ 2.0pp2.8%within the sector's middle half▼ 1.3pp
above
within
below
the middle half (P25 to P75) of NACE 24, Manufacture of basic metals, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €529,329
Fixed assets
€490,714 ▼ 5.1%
Current assets
€38,615 ▼ 43.6%
Equity and liabilities €529,329
Equity
€93,409 ▲ 18.7%
Debt
€435,920 ▼ 14.0%
Debt's share of the balance-sheet total falls from 86.6% to 82.4%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€53,741▼
2024 · €79,480
Cash flow
€40,967▼
2024 · €62,151
Debt to equity
4.67▼
2024 · 6.44
ROE
15.7%▼
2024 · 30.4%
Interest coverage
7.40▼
2024 · 9.86
Debt ≤ 1 year
€145,079▼
2024 · €158,288
Debt > 1 year
€290,841▼
2024 · €348,318
Income taxes
€5,510▼
2024 · €9,274
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,105 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 98% are still going.
- Small
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.0%
went bankrupt
0.9%
stopped otherwise
98%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,105 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,818 | €28,030 | €36,785 | €38,243 | €26,273 | ▼ 31.3% |
| Other operating charges640/8 | - | €2,452 | €2,513 | €3,131 | €3,078 | ▼ 1.7% |
| Gross operating margin9900 | €44,986 | €83,974 | €66,070 | €82,611 | €56,819 | ▼ 31.2% |
| Operating profit (loss)9901 | €15,458 | €53,492 | €26,772 | €41,237 | €27,468 | ▼ 33.4% |
| Financial income75/76B | - | €0 | - | €3 | - | - |
| Recurring financial income75 | €0 | €0 | - | €3 | - | - |
| Financial charges65/66B | - | €15,907 | €9,088 | €8,058 | €7,263 | ▼ 9.9% |
| Recurring financial charges65 | €15,256 | €15,907 | €9,088 | €8,058 | €7,263 | ▼ 9.9% |
| Profit (loss) for the period before taxes9903 | €202 | €37,585 | €17,684 | €33,182 | €20,204 | ▼ 39.1% |
| Income taxes67/77 | €0 | €5,358 | €4,827 | €9,274 | €5,510 | ▼ 40.6% |
| Profit (loss) for the period9904 | €202 | €32,226 | €12,857 | €23,908 | €14,694 | ▼ 38.5% |
| Profit (loss) for the period to be appropriated9905 | €202 | €32,226 | €12,857 | €23,908 | €14,694 | ▼ 38.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €619,293 | €630,717 | €614,415 | €585,507 | €529,329 | ▼ 9.6% |
| Fixed assets21/28 | €567,999 | €547,664 | €555,231 | €516,987 | €490,714 | ▼ 5.1% |
| Tangible fixed assets22/27 | €567,999 | €547,664 | €555,231 | €516,987 | €490,714 | ▼ 5.1% |
| Land and buildings22 | - | €541,191 | €514,384 | €487,576 | €471,515 | ▼ 3.3% |
| Plant, machinery and equipment23 | - | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | - | €6,472 | €3,907 | €1,342 | €0 | ▼ 100% |
| Leasing and similar rights25 | - | - | €36,940 | €28,069 | €19,199 | ▼ 31.6% |
| Financial fixed assets28 | €0 | €0 | - | - | - | - |
| Current assets29/58 | €51,294 | €83,053 | €59,184 | €68,519 | €38,615 | ▼ 43.6% |
| Amounts receivable within one year40/41 | €17,493 | €53,234 | €37,094 | €27,906 | €23,844 | ▼ 14.6% |
| Trade receivables40 | - | €51,212 | €35,107 | €25,741 | €21,549 | ▼ 16.3% |
| Other amounts receivable41 | - | €2,021 | €1,987 | €2,164 | €2,295 | ▲ 6.0% |
| Cash at bank and in hand54/58 | €26,468 | €28,392 | €22,000 | €39,505 | €13,745 | ▼ 65.2% |
| Deferred charges and accrued income490/1 | - | €1,427 | €90 | €1,108 | €1,026 | ▼ 7.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €619,293 | €630,717 | €614,415 | €585,507 | €529,329 | ▼ 9.6% |
| Equity10/15 | €9,724 | €41,950 | €54,807 | €78,715 | €93,409 | ▲ 18.7% |
| Contributions10/11 | - | €6,200 | €6,200 | €8,060 | €8,060 | = |
| Reserves13 | €31,395 | €35,750 | €48,607 | €70,655 | €85,349 | ▲ 20.8% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €33,890 | €46,747 | €70,655 | €85,349 | ▲ 20.8% |
| Profit (loss) carried forward14 | -€27,870 | €0 | - | €0 | - | - |
| Amounts payable17/49 | €609,569 | €588,766 | €559,608 | €506,792 | €435,920 | ▼ 14.0% |
| Amounts payable after more than one year17 | €470,479 | €424,230 | €404,919 | €348,318 | €290,841 | ▼ 16.5% |
| Financial debts170/4 | - | €424,230 | €404,919 | €348,318 | €290,841 | ▼ 16.5% |
| Amounts payable within one year42/48 | €139,090 | €164,536 | €154,689 | €158,288 | €145,079 | ▼ 8.3% |
| Current portion of amounts payable after more than one year42 | - | €51,841 | €61,389 | €61,950 | €64,841 | ▲ 4.7% |
| Trade debts44 | €471 | €17,189 | €2,598 | €1,640 | €1,489 | ▼ 9.2% |
| Suppliers440/4 | - | €17,189 | €2,598 | €1,640 | €1,489 | ▼ 9.2% |
| Taxes, remuneration and social security45 | - | €24,208 | €9,827 | €5,774 | €0 | ▼ 100% |
| Taxes450/3 | - | €2,608 | €1,327 | €5,774 | €0 | ▼ 100% |
| Remuneration and social security454/9 | - | €21,600 | €8,500 | €0 | - | - |
| Other amounts payable47/48 | - | €71,297 | €80,875 | €88,923 | €78,750 | ▼ 11.4% |
| Accrued charges and deferred income492/3 | - | €0 | - | €187 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €202 | €32,226 | €12,857 | €23,908 | €14,694 | ▼ 38.5% |
| + Depreciation and write-downs630 | €26,818 | €28,030 | €36,785 | €38,243 | €26,273 | ▼ 31.3% |
| Operating cash flow (approximation) | €27,019 | €60,257 | €49,642 | €62,151 | €40,967 | ▼ 34.1% |
| Investment in fixed assets (approximation) | - | -€7,695 | -€44,352 | €0 | €0 | - |
| Change in cash | - | €1,924 | -€6,392 | €17,505 | -€25,760 | ▼ 247% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
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DEEA-STEFI & VIKI
BE 0550.356.620
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VERBRUGGEN TOMMY
BE 0777.760.450
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MKV CONSTRUCT
BE 0797.996.531
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Of 165 companies in this sector we hold annual accounts for 96. 65 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
12 eventsLatest 27-01-2026Next filing 31-01-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €32,226 ▲15,885%
Operating result €53,492, net result €32,226, both a record.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €202 ▼97.8%
Net result drops to €202, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 27-06-2012Year ends 30-06Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded27-06-2012
Fiscal year end30-06
Activities, NACEBEL 2025
24200Manufacture of basic metals
24310Manufacture of basic metals
25110Manufacture of metal structures and parts of structures
41003General construction of other non-residential buildings
43310Plastering work
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846908483
Also
9925:BE0846908483
Registered
17-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Ganshoren · 1 establishment unit since 2012
Ground area
455 m²
Building footprint
128 m²
Volume, LiDAR
1,320 m³
2 parcels, Brussels · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
CRIS & STEF
since 2012unit no. 2.211.179.336
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21392B0062/00P002 | Brussels | 229 m² | 1 · 61 m² | 12.7 m · 4 fl. |
| 21392B0062/00R002 | Brussels | 226 m² | 1 · 68 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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