Stef All
ActiveSummary
Stef All has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €48k. Its solvency ranks better than 87% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 5.05; short-term debt: 19.4% and cash: 72.4% of total assets), and 19.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
80.6%
Return on assets
79%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
46 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€49k
Total assets
€61k
Net result
€48k
Working capital
€48k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €61k
Fixed assets
€1k
Current assets
€60k
Equity and liabilities €61k
Equity
€49k
Debt
€12k
Debt finances 19.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€63k
Cash flow
€48k
Current ratio
5.05
Debt to equity
0.24
ROE
98.0%
ROA
79.0%
Interest coverage
31.12
Debt ≤ 1 year
€12k
Income taxes
€13k
Filed annual accounts As filed with the NBB · 2025 · 35 lines
Balance sheet
Code2025
Assets
Total assets20/58€61k
Fixed assets21/28€1k
Tangible fixed assets22/27€1k
Furniture and vehicles24€1k
Current assets29/58€60k
Amounts receivable within one year40/41€15k
Trade receivables40€12k
Other amounts receivable41€3k
Cash at bank and in hand54/58€44k
Deferred charges and accrued income490/1€753
Equity and liabilities
Total equity and liabilities10/49€61k
Equity10/15€49k
Contributions10/11€1k
Reserves13€48k
Distributable reserves133€48k
Amounts payable17/49€12k
Amounts payable within one year42/48€12k
Trade debts44€4k
Suppliers440/4€4k
Taxes, remuneration and social security45€4k
Taxes450/3€4k
Other amounts payable47/48€4k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45
Other operating charges640/8€1k
Gross operating margin9900€65k
Operating profit (loss)9901€63k
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€61k
Income taxes67/77€13k
Profit (loss) for the period9904€48k
Profit (loss) for the period to be appropriated9905€48k
Appropriation of the result
Profit (loss) to be appropriated9906€48k
Transfer to equity691/2€48k
To other reserves6921€48k
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
2026
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 46 days late
NBB filing
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, Arendonk · 1 establishment unit since 2024
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.
Leeuwerfstraat 222370 ArendonkGround area
687 m²
Building footprint
146 m²
Volume, LiDAR
510 m³
Parcel 13322D0235/00W000, Flanders · tallest building 5.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Stef All
since 20242.366.417.146
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13322D0235/00W000 | Flanders | 687 m² | 1 · 145 m² | 5.0 m · 1 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
CASSIERS MICHEL
BE 0831.444.903
Schoten · Eq €48,998
SPRL Léon BRONFORT
BE 0870.496.014
Jalhay · Eq €49,336
AR GARAGE
BE 0797.793.524
Voeren · Eq €48,817
MOBIL PNEU 98
BE 1010.977.748
Nivelles · Eq €48,793
Atelier PEETERS Bernard
BE 0800.697.089
Durbuy · Eq €48,732
Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 2,098 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 formLimited partnership
Founded07-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
64210Activities of holding companies
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.