Maison Stefanie

Active

Private limited companyfounded 20224 yrs activeHeiveld 54, 1745 Opwijk, BelgiumKBO/BCE: BE 0786.872.413

Summary

The computed 12-month bankruptcy probability of Maison Stefanie is 1.6% (moderate). The 2024 annual accounts show equity of €25k and a net result of €516. Its solvency ranks better than 40% of 6162 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

47 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability36=

Solvency37=

Growth78

Track record94

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity short (current ratio 0.57 against 0.63 in 2023; short-term debt: 12.7% and cash: 0.5% of total assets), and 87.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

12.4%

Return on assets

0.3%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-06-2025, 33 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

33 d early

2023

2 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€25k▲ 2.1%

2023 · €24k

2023: €24k

2023 → 2024

Total assets

€201k▼ 3.3%

2023 · €208k

2023: €208k

2023 → 2024

Net result

€516

2023 · €-554

2023: €-554

2023 → 2024

Working capital

€-11k▼ 36.0%

2023 · €-8k

2023: €-8k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€24k-€25k▲ 2.1%

Operating result€13k-€10k▼ 21.2%

Net result€-554-€516

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 21% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €201k

92.7%

Fixed assets €186k ▼ 3.9%

Current assets €15k ▲ 5.5%

Equity and liabilities €201k

12.4%

87.6%

Equity €25k ▲ 2.1%

Debt €176k ▼ 4.0%

Debt's share of the balance-sheet total falls from 88.2% to 87.6%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€18k▼

2023 · €26k

Cash flow

€8k▼

2023 · €12k

Current ratio

0.57▼

2023 · 0.63

Debt to equity

7.06▼

2023 · 7.50

ROE

2.1%▲

2023 · -2.3%

ROA

0.3%▲

2023 · -0.3%

Interest coverage

2.08▼

2023 · 2.14

Debt ≤ 1 year

€26k▲

2023 · €22k

Debt > 1 year

€151k▼

2023 · €162k

Income taxes

€1k▼

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 · 35 lines

Balance sheet Code20232024

Assets

Total assets20/58€208k€201k▼

Fixed assets21/28€194k€186k▼

Tangible fixed assets22/27€194k€186k▼

Land and buildings22€189k€183k▼

Plant, machinery and equipment23€5k€3k▼

Current assets29/58€14k€15k▲

Amounts receivable within one year40/41€13k€14k▲

Trade receivables40€2k-

Other amounts receivable41€11k€14k▲

Cash at bank and in hand54/58€1k€963▼

Equity and liabilities

Total equity and liabilities10/49€208k€201k▼

Equity10/15€24k€25k▲

Contributions10/11€25k€25k=

Profit (loss) carried forward14€-554€-38▲

Amounts payable17/49€183k€176k▼

Amounts payable after more than one year17€162k€151k▼

Financial debts170/4€162k€151k▼

Amounts payable within one year42/48€22k€26k▲

Current portion of amounts payable after more than one year42€11k€11k▲

Trade debts44€5k€6k▲

Suppliers440/4€5k€6k▲

Taxes, remuneration and social security45€6k€8k▲

Taxes450/3€6k€8k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€8k▼

Other operating charges640/8€933€949▲

Gross operating margin9900€27k€19k▼

Operating profit (loss)9901€13k€10k▼

Financial charges65/66B€12k€9k▼

Recurring financial charges65€12k€9k▼

Profit (loss) for the period before taxes9903€1k€2k▲

Income taxes67/77€2k€1k▼

Profit (loss) for the period9904€-554€516▲

Profit (loss) for the period to be appropriated9905€-554€516▲

Appropriation of the result

Profit (loss) to be appropriated9906€-554€-38▲

Profit (loss) brought forward from the previous period14P-€-554

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

2025

28-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €516

Net result €516 after one loss-making year.

29-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Opwijk · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Heiveld 541745 Opwijk

Ground area

1,465 m²

Building footprint

173 m²

Volume, LiDAR

2,109 m³

Parcel 23060B0459/00D000, Flanders · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

Maison Stefanie

Heiveld 54, 1745 OpwijkRetail sale of cosmetics and toilet articles

since 20222.332.021.738

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23060B0459/00D000	Flanders	1,465 m²	1 · 173 m²	16.0 m · 4 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.

Similar companies · same sector, comparable size

Antwerpen · Eq €25,029

REWAN

BE 0676.498.487

Kortrijk · Eq €24,890

Heusden-Zolder · Eq €24,843

Of 21,748 companies in sector 96210 we hold annual accounts for 2,833. 2,337 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

Founded07-06-2022

Fiscal year end31-12

Activities, NACEBEL 2025

96210Hairdressing and barber services

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.