Stebofisc
Stebofisc is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €218k and a net result of €37k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 25% of 5394 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €218k |
| Net result | €37k |
| Better than sector | 25% |
| Active | 25 yrs |
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 24.3% | 51.9% | |
| Net result | €37k | €53k | |
| Equity | €218k | €623k | |
| Gross operating margin | €72k | €87k | |
| Total assets | €896k | €1.55M |
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | n/a | n/a | n/a | n/a |
| EBITDA | n/a | n/a | n/a | n/a |
| Net profit | €37k | €-21k | €18k | €10k |
| Cash flow | n/a | n/a | n/a | n/a |
| Staff costs | - | - | - | - |
| Income taxes | €440 | - | €7k | €1k |
| Dividends | - | - | - | - |
| Total assets | €896k | €906k | €698k | €706k |
| Equity | €218k | €180k | €201k | €183k |
| Debt | €679k | €725k | €497k | €523k |
| of which ≤ 1y | €286k | €387k | €345k | €336k |
| of which > 1y | €390k | €335k | €148k | €184k |
| Working capital | n/a | n/a | n/a | n/a |
| Employees (FTE) | - | - | - | - |
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | n/a | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a | n/a |
| Working capital ratio | n/a | n/a | n/a | n/a |
| Solvency | 24.3% | 19.9% | 28.9% | 25.9% |
| Debt / equity | n/a | n/a | n/a | n/a |
| Long-term debt ratio | n/a | n/a | n/a | n/a |
| Interest coverage | n/a | n/a | n/a | n/a |
| Gross margin | n/a | n/a | n/a | n/a |
| Net margin | n/a | n/a | n/a | n/a |
| ROA | 4.1% | -2.3% | 2.6% | 1.4% |
| ROE | 17.0% | -11.6% | 9.1% | 5.3% |
| EBITDA margin | n/a | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a | n/a |
| Days payable outstanding | n/a | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a | n/a |
| Days inventory (DSI) | n/a | n/a | n/a | n/a |
Full annual accounts (24 line items)
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €896k | €906k | €698k | €706k |
| Fixed assets | 21/28 | €879k | €892k | €637k | €645k |
| Tangible fixed assets | 22/27 | €629k | €642k | €387k | €395k |
| Financial fixed assets | 28 | €250k | €250k | €250k | €250k |
| Current assets | 29/58 | €18k | €14k | €61k | €60k |
| Amounts receivable within one year | 40/41 | €10k | €10k | €60k | €59k |
| Investments | 50/53 | €540 | €540 | €540 | €540 |
| Cash & bank | 54/58 | €6k | €2k | €204 | €673 |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €896k | €906k | €698k | €706k |
| Equity | 10/15 | €218k | €180k | €201k | €183k |
| Contributions / capital | 10/11 | €12k | €12k | €12k | €12k |
| Reserves | 13 | €205k | €168k | €189k | €171k |
| Amounts payable | 17/49 | €679k | €725k | €497k | €523k |
| Amounts payable after one year | 17 | €390k | €335k | €148k | €184k |
| Amounts payable within one year | 42/48 | €286k | €387k | €345k | €336k |
| Trade debts payable within one year | 44 | €5k | €5k | €5k | €20k |
| Income statement | |||||
| Gross operating margin | 9900 | €72k | €54k | €51k | €39k |
| Operating result | 9901 | €57k | €5k | €41k | €26k |
| Financial income | 75 | €15k | - | - | - |
| Financial charges | 65 | €35k | €26k | €16k | €15k |
| Result before taxes | 9903 | €37k | €-21k | €25k | €11k |
| Income taxes | 67/77 | €440 | - | €7k | €1k |
| Net result for the period | 9904 | €37k | €-21k | €18k | €10k |
| Result to be appropriated | 9905 | €37k | €-21k | €18k | €11k |
Former directors (1)
-
TOMKAT BVLegal entityDirectorState Gazette act 26034440 (09-03-2026)Former- → 30-01-2026
| NACE primary | Activities of holding companies(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 27-03-2001 |
| Status | Active |
| Postal code | 2400 |
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13025G1097/00E003 | Flanders | 1,201 m² | 1 · 229 m² | 12.1 m · 2 fl. |
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
09-03-2026 TOMKAT BV resigns as director
- TOMKAT BV, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": "0848.145.531",
"name": "TOMKAT BV",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": "de_plein_droit_dissolution",
"subkind": "regular",
"via_org": null,
"statutory": null,
"compensated": null,
"effective_date": "2026-01-30",
"evidence_quote": "De ondergetekende enige aandeelhouder beslist met eenparigheid tot het ontslag van TOMKAT BV (met ondernemingsnummer 0848.145.531), vast vertegenwoordigd door Kathleen Croux, als bestuurder van de Vennootschap.",
"decharge_status": null,
"mandate_duration": null,
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": "immediate"
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": "Luik",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2026-03-09",
"filing_date": "2026-02-27",
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "enige_aandeelhouder_schriftelijk",
"date": "2026-01-30",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0474.396.316",
"name_full": "Stebofisc",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Tom Stevens",
"org_rep_person_name": null,
"person_role_at_subject": "Bestuurder"
},
"co_filed_documents": [],
"corrected_publication_numac": null
}20-12-2023 Change in the board of directors
Technical details
{
"events": [],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0474.396.316",
"name_full": "STEBOFISC",
"legal_form": "BV"
}
}01-02-2016 Registered office moved from Ham to Mol
- Dorpsstraat 51, 3945 Ham → Leeuwerikheide 86, 2400 Mol
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "statutaire",
"new_address": {
"city": "Mol",
"region": null,
"street": "Leeuwerikheide",
"country": "BE",
"postcode": "2400",
"box_number": null,
"street_number": "86"
},
"old_address": {
"city": "Ham",
"region": null,
"street": "Dorpsstraat",
"country": "BE",
"postcode": "3945",
"box_number": "b",
"street_number": "51"
},
"effective_date": "2016-01-01",
"evidence_quote": "Uit het verslag van de zaakvoerder dd. 31/12/2015 blijkt dat de maatschappelijke zetel verplaatst wordt naar Leeuwerikheide 86, 2400 Mol vanaf 01/01/2016."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0474.396.316",
"name_full": "STEBOFISC",
"legal_form": "BV"
}
}31-10-2014 Registered office moved from Hasselt to Ham
- Anne Frankplein 10, 3500 Hasselt → Dorpsstraat 51, 3945 Ham
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "statutaire",
"new_address": {
"city": "Ham",
"region": null,
"street": "Dorpsstraat",
"country": "BE",
"postcode": "3945",
"box_number": "b",
"street_number": "51"
},
"old_address": {
"city": "Hasselt",
"region": null,
"street": "Anne Frankplein",
"country": "BE",
"postcode": "3500",
"box_number": "9",
"street_number": "10"
},
"effective_date": "2014-10-16",
"evidence_quote": "Uit het verslag van de zaakvoerder dd. 15/10/2014 blijkt dat de maatschappelijke zetel verplaatst wordt naar Dorpsstraat 51b, 3945 Ham vanaf 16/10/2014."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0474.396.316",
"name_full": "STEBOFISC",
"legal_form": "BV"
}
}17-07-2014 Articles of association amended
Technical details
{
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"statute_change": {
"name_change": false,
"seat_change": false,
"object_change": true,
"effective_date": "2014-07-17",
"legal_form_change": false
},
"bedrijfsrevisor": null,
"subject_company": {
"kbo": "0474.396.316",
"name_full": "STEBOFISC",
"legal_form": "BV"
},
"signature_regime": "solo",
"special_mandates": [],
"governance_change": {
"admin_delegated_added": []
}
}| Legal nameNL | Stebofisc |