KRISTOF STEVENS
ActiveSummary
The computed 12-month bankruptcy probability of KRISTOF STEVENS is 2.1% (moderate). The 2024 annual accounts show equity of €63k and a net result of €21k. Equity is growing by ~31.3% per year across the filed fiscal years. Its solvency ranks better than 27% of 26043 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+2
Solvency31▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 57.84; short-term debt: 1.7% and cash: 0% of total assets), but 94.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
31 d late
2022
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€63k▲ 51.6%
2023 · €42k
2022: €37k
2023: €42k
2022 → 2024
Total assets
€1.08M▲ 9.5%
2023 · €985k
2022: €981k
2023: €985k
2022 → 2024
Net result
€21k▲ 368%
2023 · €5k
2022: €35k
2023: €5k
2022 → 2024
Working capital
€1.06M▲ 8.7%
2023 · €972k
2022: €962k
2023: €972k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€37k-€42k▲ 12.4%€63k▲ 51.6%
Operating result€44k-€6k▼ 85.7%€28k▲ 352%
Net result€35k-€5k▼ 86.7%€21k▲ 368%
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 2024; 2024 is 352% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.08M
Fixed assets
€4k ▼ 27.2%
Current assets
€1.08M ▲ 9.7%
Equity and liabilities €1.08M
Equity
€63k ▲ 51.6%
Debt
€1.02M ▲ 7.7%
Debt's share of the balance-sheet total falls from 95.8% to 94.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2023 · €8k
Cash flow
€23k▲
2023 · €6k
Current ratio
57.84
Quick ratio
1.43▼
2023 · 2.47
Debt to equity
16.10▼
2023 · 22.67
ROE
34.0%▲
2023 · 11.0%
ROA
2.0%▲
2023 · 0.5%
Interest coverage
29.08▼
2023 · 50.03
Debt ≤ 1 year
€19k▲
2023 · €7k
Debt > 1 year
€996k▲
2023 · €929k
Income taxes
€6k▲
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines
Balance sheet
Code20232024
Assets
Total assets20/58€985k€1.08M▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€619€301▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€980k€1.08M▲
Stocks and contracts in progress3€961k€1.05M▲
Stocks30/36€961k€1.05M▲
Amounts receivable within one year40/41€12k€26k▲
Trade receivables40€12k€17k▲
Other amounts receivable41-€9k
Cash at bank and in hand54/58€6k€280▼
Equity and liabilities
Total equity and liabilities10/49€985k€1.08M▲
Equity10/15€42k€63k▲
Contributions10/11€3k€3k=
Reserves13€39k€61k▲
Distributable reserves133€39k€61k▲
Amounts payable17/49€944k€1.02M▲
Amounts payable after more than one year17€929k€996k▲
Other amounts payable178/9€929k€996k▲
Amounts payable within one year42/48€7k€19k▲
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Accrued charges and deferred income492/3€8k€2k▼
Income statement
Code20232024
Non-recurring operating income76A-€72
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€696€303▼
Gross operating margin9900€8k€30k▲
Operating profit (loss)9901€6k€28k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€153€1k▲
Recurring financial charges65€153€1k▲
Profit (loss) for the period before taxes9903€6k€27k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€5k€21k▲
Profit (loss) for the period to be appropriated9905€5k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€21k▲
Transfer to equity691/2€5k€21k▲
To other reserves6921€5k€21k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €5k ▼86.7%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 132.44
Current ratio from 55.23 to 132.44; short-term debt falls from €18k to €7k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zele · 1 establishment unit since 2022
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.
Rijkenhoek 449240 ZeleGround area
684 m²
Building footprint
211 m²
Volume, LiDAR
854 m³
Parcel 42402C0281/00G000, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KRISTOF STEVENS
since 20222.329.730.261
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42402C0281/00G000 | Flanders | 684 m² | 1 · 211 m² | 5.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 574 EUR awarded · 574 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 574 EUR | 574 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Recognitions · licences · registrations
Food safety, FASFC
1 siteZele2.329.730.261
Similar companies · same sector, comparable size
Vinogradoff
BE 0696.982.216
Gent · Eq €63,400
MUNDI VINUM
BE 0473.829.756
Herent · Eq €62,096
Tombola
BE 0797.565.276
Antwerpen · Eq €62,085
The Wine Barn
BE 0690.754.123
Temse · Eq €64,367
FINE-WINE
BE 0783.706.847
Tessenderlo-Ham · Eq €61,602
Of 2,332 companies in sector 47251 we hold annual accounts for 421. 312 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47251Retail sale of wines and spirits
47252Retail sale of beverages, general range
47553Retail trade
63920Other information service activities
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.