LECLERCQ STEPHANE
ActiveLECLERCQ STEPHANE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €22k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 43% of 196 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent▲ +32 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency71▼-29
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 17.31 in 2024), and 54.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 26
Relative position
BE, all sectors
reference
Sector 26
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
45.8%
Return on assets
24.6%
Age of the figures
8 mo
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 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 d early
2024
55 d early
2023
51 d early
2022
31 d late
2021
27 d late
2020
30 d late
2019
70 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▲ 90.7%
2024 · €21k
2018: €23k
2019: €19k
2020: €22k
2021: €25k
2022: €23k
2023: €26k
2024: €21k
2018 → 2025
Total assets
€88k▲ 293%
2024 · €22k
2018: €28k
2019: €39k
2020: €39k
2021: €38k
2022: €33k
2023: €35k
2024: €22k
2018 → 2025
Net result
€22k
2024 · €-5k
2018: €-8k
2019: €-5k
2020: €4k
2021: €3k
2022: €-2k
2023: €8k
2024: €-5k
2018 → 2025
Working capital
€4k▼ 79.8%
2024 · €21k
2018: €21k
2019: €14k
2020: €20k
2021: €23k
2022: €21k
2023: €25k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€23k▼ 7.8%€26k▲ 11.3%€21k▼ 18.7%€40k▲ 90.7%
Operating result€3k-€-2k€8k€-5k€30k
Net result€3k-€-2k€8k€-5k€22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €30k after a loss of €5k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88k
Fixed assets
€53k▲ 8,095%
Current assets
€35k▲ 61.2%
Equity and liabilities €88k
Equity
€40k▲ 90.7%
Debt
€48k▲ 3,699%
The debt ratio rises from 5.6% to 54.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€32k▲
2024 · €-5k
Cash flow
€23k▲
2024 · €-5k
Solvency
45.8%▼
2024 · 94.4%
Current ratio
1.13▼
2024 · 17.31
Quick ratio
1.00▼
2024 · 14.44
Debt / equity
1.18▲
2024 · 0.06
ROE
53.8%▲
2024 · -23.0%
ROA
24.6%▲
2024 · -21.7%
Interest coverage
65.07▲
2024 · -21.66
Debt
€48k▲
2024 · €1k
Debt ≤ 1 year
€31k▲
2024 · €1k
Debt > 1 year
€17k
Income taxes
€8k
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€22k€88k▲
Fixed assets21/28€647€53k▲
Tangible fixed assets22/27€297€53k▲
Plant, machinery and equipment23€297€125▼
Furniture and vehicles24€0€53k▲
Leasing and similar rights25€0€0=
Financial fixed assets28€350€350=
Current assets29/58€22k€35k▲
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€13k€24k▲
Trade receivables40€11k€15k▲
Other amounts receivable41€1k€8k▲
Cash at bank and in hand54/58€5k€4k▼
Deferred charges and accrued income490/1€573€3k▲
Equity and liabilities
Total equity and liabilities10/49€22k€88k▲
Equity10/15€21k€40k▲
Contributions10/11€13k€13k=
Reserves13€12k€24k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€10k€23k▲
Profit (loss) carried forward14€-4k€3k▲
Amounts payable17/49€1k€48k▲
Amounts payable after more than one year17-€17k
Financial debts170/4-€17k
Amounts payable within one year42/48€1k€31k▲
Current portion of amounts payable after more than one year42-€4k
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48-€22k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€313€2k▲
Other operating charges640/8€2k€1k▼
Operating charges capitalised as restructuring costs649€0-
Gross operating margin9900€-3k€33k▲
Operating profit (loss)9901€-5k€30k▲
Financial income75/76B€597€436▼
Recurring financial income75€597€436▼
Financial charges65/66B€227€490▲
Recurring financial charges65€227€490▲
Profit (loss) for the period before taxes9903€-5k€30k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€-5k€22k▲
Profit (loss) for the period to be appropriated9905€-5k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€18k▲
Profit (loss) brought forward from the previous period14P€965€-4k▼
Transfer from equity791/2-€3k
Transfer to equity691/2-€15k
To other reserves6921-€15k
Profit to be distributed694/7-€3k
Return on contributions (dividend)694-€3k
The notes to these accounts (9 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 17.31
Current ratio from 3.85 to 17.31; short-term debt falls from €9k to €1k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2004
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.
Rue A. de Thomaz de Bossière 121340 Ottignies-Louvain-la-Neuve1 establishment unit
Leclercq Stéphane
since 20042.139.522.466
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Of 120 companies in sector 26300 we hold annual accounts for 95. 45 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2004
Fiscal year end31-12
Activities, NACEBEL
26300Manufacture of computer, electronic and optical products
31621
47400Retail sale of information and communication equipment
47410Retail trade
52487
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.