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MARCLE STEFAAN

Active
Private limited companyfounded 2014active for 11 yearsLodistraat 24, 8020 Oostkamp, BelgiumKBO/BCE: BE 0505.764.730
Summary

MARCLE STEFAAN has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,883 and a net result of -€587. Equity is growing by about 2.8% per year across the filed financial years. Its solvency ranks better than 19% of 20,604 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow ReportCompare
MARCLE STEFAANActiveChecked score 82/100
Risk analysis ReportCompare

Overview

Activity
Dental practice
NACE 86230
2 sites
Size
€197,398total assets 2025
Equity
€35,883
Loss
-€587
Turnover not published (micro format)
Financial health
82 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Structure
Holdings
1
2025 accounts filed 2 days late2 deeds in the Belgian Official Gazette
Why 82raises riskLiquidity: current ratio 0.58, cash €460, halvedlowers riskSize: total assets €197,398Sector: Human health activities (NACE 86)Founded in 2014Show the evidence

Checked score

Score 2025
82 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 17% of its sector peers (NACE 86, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 43+2
equity 18.2% of total assets
Liquidity 25-5
short-term debt 50.6% · cash 0.2%
Profitability 60+56
return on assets -0.3%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (24,124 companies, NACE 86, micro)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.6%▲ +0.2 percentage points vs 01-2025 03-2025: 0.3%▼ -0.3 percentage points vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.4%▲ +0.1 percentage points vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.5%▲ +0.1 percentage points vs 12-2025 02-2026: 0.7%▲ +0.2 percentage points vs 01-2026highest value 03-2026: 0.3%▼ -0.4 percentage points vs 02-2026lowest value 04-2026: 0.3%● unchanged vs 03-2026lowest value 05-2026: 0.3%● unchanged vs 04-2026lowest value 06-2026: 0.3%● unchanged vs 05-2026lowest value 07-2026: 0.3%● unchanged vs 06-2026lowest value 08-2026: 0.3%● unchanged vs 07-2026lowest value 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.58, compared with 0.48 in 2024, below 1; short-term debt: 50.6% and cash: 0.2% of total assets), and 81.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro): better than 19% on solvency, 4% on liquidity, 10% on profitability and 33% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 0.58, cash €460, halved
NBB · annual accounts
lowers risk · Size: total assets €197,398
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Sector: Human health activities (NACE 86)
KBO
lowers risk · Founded in 2014
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€587
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 20604 sector peers (2025).
NBB · sector comparison
Position among 20604 sector peers
Solvency
better than 19%
← weakest strongest →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
2 days late
2024
2 days early
2023
1 day early
2022
5 days early
2021
4 days early
2020
3 days early
2019
7 days 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 3 days before the deadline; the sector median (NACE 86) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 29 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end25-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Weakest financial yearnet -€27,313

Key points

  • Risk: 3 loss-making years in a rowloss financial year 2025 -€587 View
  • Caution: Among the weakest 9% on net resultsector median €60,202 · 20,591 companies -€587 View
  • Total assets 20256 financial years filed €197,398 View

By topic

Financials

Financial year
2025
Total assets
€197,398
Loss
-€587
Solvency
18.2%
Total assets▼ 12.2%
Net result
20192025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-01-2027
  1. 30-01-2024Annual accounts filed
  2. 26-01-2023Annual accounts filed
  3. 27-01-2022Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Dental practiceNACE 86230
Founded
27-11-2014
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Key facts about MARCLE STEFAAN

What is the company number of MARCLE STEFAAN?
0505.764.730. In Belgium the VAT number is the company number with BE in front: BE 0505.764.730.
Where is MARCLE STEFAAN based?
The registered office is at Lodistraat 24, 8020 Oostkamp.Company details
What does MARCLE STEFAAN do?
According to the KBO register, the main activity is dental practice (NACE 86230).
What is the legal form of MARCLE STEFAAN?
Private limited company (BV).
When was MARCLE STEFAAN founded?
On 27-11-2014.
Is MARCLE STEFAAN still active?
Yes, MARCLE STEFAAN is an active enterprise in the KBO register.
How many employees does MARCLE STEFAAN have?
On average 0.9 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of MARCLE STEFAAN?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is MARCLE STEFAAN profitable?
In financial year 2025, MARCLE STEFAAN made a loss of €587.
Where can I find the annual accounts of MARCLE STEFAAN?
MARCLE STEFAAN filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of MARCLE STEFAAN due?
By 31-01-2027, for financial year 2026.Timeline

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