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REDERIJ STEPHANIE

Active
Private limited companyfounded 1980active for 45 yearsInvalidenlaan 14, 8301 Knokke-Heist, BelgiumKBO/BCE: BE 0420.919.820
Summary

REDERIJ STEPHANIE has been active since 1980 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.9m and a net result of -€25,294. Equity has been stable since 2018 (±1.6% per year). Its solvency ranks better than 79% of 56 sector peers (NACE 03, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 07-11-1980 Normal situation
Registered office
28 active companies are registered at this address 4 started in the 12 months before. Source: KBO register, as of 2 November 2026.
Activity
Fishing and aquaculture NACE 03110
Joint committee
143 Paritair Comité voor de zeevisserij · annual accounts 2025
Establishment unit
2.018.097.272 8301 Knokke-Heist, since 01-12-1980
Financial year end
31 December
Peppol
Reachable since 13-08-2025

Board and ownership

Board
  • BV OFFICE MAREDirector · since 01-01-2026 · permanent representative Maureen VANOVENBERGHE

Financial position

91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€1.2m
▼ 13.9%
Turnover
≈ €2.2m
estimated
Loss
€25,294
Equity
€1.9m
▼ 1.3%
Total assets
€2.5m
▼ 20.4%
Staff
7.4 FTE
▼ 14.0%
  • 2025 accounts filed 28 days after the deadline
Score breakdownraises risk1 change of registered office in 24 monthslowers riskLiquidity: current ratio 3.11, cash €629,239Founded in 1980Equity €1.9m (74.9% of total assets)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 67% of micro companies in fishing and aquaculture (NACE 03)
Financial strength · tick: 2024
Strong
Solvency 100+15
equity 74.9% of total assets
Liquidity 79+17
short-term debt 13.7% · cash 24.9%
Profitability 67-6
return on assets -1.0%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (98 companies, NACE 03, micro)
Last 24 months 12-2024: 0.3% 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.4%▲ +0.1 percentage points vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.7%▲ +0.3 percentage points vs 07-2025 09-2025: 0.1%▼ -0.6 percentage points vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.2%▲ +0.1 percentage points vs 01-2026 03-2026: 0.3%▲ +0.1 percentage points vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.4%▲ +0.1 percentage points vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.3 percentage points vs 07-2026highest value 09-2026: 0.2%▼ -0.5 percentage points vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €170,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.11 (1.65 in 2024), above the usual 1.5. Short-term debt is 13.7% and cash 24.9% of total assets. 25.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 03, micro). It does better than 76% of them on solvency, 79% on liquidity, 56% on profitability and 56% on growth.

The bankruptcy probability was computed on 01-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Liquidity: current ratio 3.11, cash €629,239
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Founded in 1980
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Equity €1.9m (74.9% of total assets)
NBB · annual accounts
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
28 days late
2024
25 days late
2023
1 day early
2022
83 days early
2021
3 days early
2020
1 day early
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 5 days before the deadline. In the sector (NACE 03), the median for financial year 2024 was 10 days after the deadline, and 55% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €118,004 in 2024 -€25,294 View
  • Positive: Oldest company in Knokke-Heist, Agriculture, forestry and fishing sectorin the Checked rankings No. 1 View
  • Caution: Board changedlatest change 27-07-2026 · 1 in office 1 joined · 2 left View

Recent changes

  1. · Gazette deed Resignation: Maureen VANOVENBERGHE (director)Appointment: BV OFFICE MARE (alleen handelend bestuurder) · Permanent representative: Maureen VANOVENBERGHE
  2. · Gazette deed Registered office moved within Knokke-HeistAppointment: Maureen VANOVENBERGHE (director) · Resignation: SABIMAR (director) · Permanent representative: Sabine COUWYZER
  3. · Gazette deed Amendment of the articles · Legal-form change
All 19 events

Comparable companies

These companies have the same main activity as REDERIJ STEPHANIE: fishing and aquaculture (NACE 03110). They are comparable in size and age: total assets between €1.4m and €3.2m, founded between 1981 and 1998.

CompanyTotal assetsGross margin
REDERIJ STEPHANIE Knokke-Heist€2.5m€1.2m
Rederij Noordster De Haan€1.9m€1.0m
REDERIJ MARBI De Haan€3.2m€1.2m
REDERIJ SOETKIN Knokke-Heist€1.6m€0.8m
Beheer Shamrock Oostende€1.4m€1.1m
REDERIJ JACOBUS Knokke-Heist€3.2m€0.9m
MARE NOSTRUM Knokke-Heist€2.1m€0.9m
Full comparison

Key facts about REDERIJ STEPHANIE

What is the company number of REDERIJ STEPHANIE?
The company number of REDERIJ STEPHANIE is 0420.919.820. The VAT number is the same number with BE in front: BE 0420.919.820.
Where is REDERIJ STEPHANIE based?
The registered office is at Invalidenlaan 14, 8301 Knokke-Heist.Company details
What does REDERIJ STEPHANIE do?
According to the KBO register, the main activity is fishing and aquaculture (NACE 03110).
What is the legal form of REDERIJ STEPHANIE?
The legal form of REDERIJ STEPHANIE is Private limited company (BV).
When was REDERIJ STEPHANIE founded?
REDERIJ STEPHANIE was founded on 07-11-1980.
Is REDERIJ STEPHANIE still active?
Yes, REDERIJ STEPHANIE is an active enterprise in the KBO register.
How many employees does REDERIJ STEPHANIE have?
REDERIJ STEPHANIE had an average of 7.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does REDERIJ STEPHANIE fall under?
In its 2025 annual accounts, REDERIJ STEPHANIE states joint committee 143 (Paritair Comité voor de zeevisserij).
What is the turnover of REDERIJ STEPHANIE?
The turnover in financial year 2025 is ≈ €2.2m. This figure is estimated from the gross margin of €1.2m and 1,584 comparable companies of the same size. It probably lies between €1.5m and €3.5m. It is a rough estimate.
Is REDERIJ STEPHANIE profitable?
In financial year 2025, REDERIJ STEPHANIE made a loss of €25,294.
Where can I find the annual accounts of REDERIJ STEPHANIE?
REDERIJ STEPHANIE filed 45 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of REDERIJ STEPHANIE due?
REDERIJ STEPHANIE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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