Dierckx Stef
ActiveDierckx Stef has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €79k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 55% of 13935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+16
Solvency61▼-26
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity tight (current ratio 1.18 against 3.2 in 2024; short-term debt: 46.7% and cash: 32.1% of total assets), and 63.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
36.2%
Return on assets
16.6%
Age of the figures
15 mo
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-06-2026, 129 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
129 d late
2024
1 d early
2023
on the day
2022
41 d early
2020
26 d late
2019
22 d early
2018
30 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€173k▼ 36.3%
2024 · €271k
2018: €245k
2019: €257k
2020: €178k
2022: €275k
2023: €273k
2024: €271k
2018 → 2025
Total assets
€478k▲ 8.7%
2024 · €440k
2018: €635k
2019: €611k
2020: €618k
2022: €540k
2023: €499k
2024: €440k
2018 → 2025
Net result
€79k▲ 397%
2024 · €16k
2018: €16k
2019: €13k
2020: €40k
2022: €123k
2023: €14k
2024: €16k
2018 → 2025
Working capital
€39k▼ 66.4%
2024 · €117k
2018: €160k
2019: €199k
2020: €113k
2022: €195k
2023: €180k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€178k-€275k▲ 54.5%€273k▼ 0.6%€271k▼ 0.5%€173k▼ 36.3%
Operating result€61k-€186k▲ 203%€38k▼ 79.5%€27k▼ 30.0%€41k▲ 52.1%
Net result€40k-€123k▲ 205%€14k▼ 88.4%€16k▲ 11.7%€79k▲ 397%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 52% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €478k
Fixed assets
€215k▼ 20.1%
Current assets
€262k▲ 54.1%
Equity and liabilities €478k
Equity
€173k▼ 36.3%
Debt
€305k▲ 81.2%
The debt ratio rises from 38.3% to 63.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€95k▲
2024 · €78k
Cash flow
€133k▲
2024 · €67k
Solvency
36.2%▼
2024 · 61.7%
Current ratio
1.18▼
2024 · 3.20
Quick ratio
1.18▼
2024 · 3.20
Debt / equity
1.76▲
2024 · 0.62
ROE
45.9%▲
2024 · 5.9%
ROA
16.6%▲
2024 · 3.6%
Interest coverage
35.57▲
2024 · 14.78
Debt
€305k▲
2024 · €168k
Debt ≤ 1 year
€223k▲
2024 · €53k
Debt > 1 year
€80k▼
2024 · €115k
Income taxes
€19k▲
2024 · €10k
Staff costs
€2k▼
2024 · €2k
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€440k€478k▲
Fixed assets21/28€269k€215k▼
Tangible fixed assets22/27€269k€215k▼
Land and buildings22€196k€160k▼
Furniture and vehicles24€73k€56k▼
Current assets29/58€170k€262k▲
Amounts receivable within one year40/41€15k€4k▼
Trade receivables40€11k€0▼
Other amounts receivable41€5k€4k▼
Current investments50/53€105k€105k=
Cash at bank and in hand54/58€49k€153k▲
Deferred charges and accrued income490/1€732€614▼
Equity and liabilities
Total equity and liabilities10/49€440k€478k▲
Equity10/15€271k€173k▼
Contributions10/11€19k€19k=
Reserves13€253k€154k▼
Distributable reserves133€253k€154k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€168k€305k▲
Amounts payable after more than one year17€115k€80k▼
Financial debts170/4€115k€80k▼
Amounts payable within one year42/48€53k€223k▲
Current portion of amounts payable after more than one year42€35k€35k▲
Trade debts44€0€2k▲
Suppliers440/4€0€2k▲
Taxes, remuneration and social security45€0€4k▲
Taxes450/3€0€4k▲
Other amounts payable47/48€19k€182k▲
Accrued charges and deferred income492/3€0€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€54k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€82k€97k▲
Operating profit (loss)9901€27k€41k▲
Financial income75/76B€4k€61k▲
Recurring financial income75€4k€61k▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€26k€99k▲
Income taxes67/77€10k€19k▲
Profit (loss) for the period9904€16k€79k▲
Profit (loss) for the period to be appropriated9905€16k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€79k▲
Transfer from equity791/2€17k€178k▲
Transfer to equity691/2€16k€79k▲
To other reserves6921€16k€79k▲
Profit to be distributed694/7€17k€178k▲
Return on contributions (dividend)694€17k€178k▲
The notes to these accounts (7 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 129 days late
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2018net €123k ▲205%
Operating result €186k, net result €123k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 3.72
Current ratio from 1.62 to 3.72; short-term debt falls from €183k to €72k.
30-06
Financial
Equity above €200kEq €275k ▲54.5%
4 profitable years in a row build equity to €275k.
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €13k ▼19.2%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Vosselaar · 1 establishment unit since 2005
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.
Antwerpsesteenweg 782350 VosselaarGround area
396 m²
Building footprint
309 m²
Volume, LiDAR
1,765 m³
Parcel 13046A0211/00A003, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Dierckx Stef
since 20052.145.244.872
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13046A0211/00A003 | Flanders | 396 m² | 1 · 309 m² | 10.3 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.
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,380. 3,867 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2005
Fiscal year end30-06
Activities, NACEBEL
68110Buying and selling of own real estate
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.