STEF LEIRS
ActiveSTEF LEIRS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €16k. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 53% of 16527 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, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+9
Solvency92▲+22
Growth78=
Track record94
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 4.22 against 2.27 in 2024; short-term debt: 21.7% and cash: 72.6% of total assets), and 33.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
66.9%
Return on assets
23.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 d early
2024
on the day
2023
5 d early
2022
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 11.1%
2024 · €42k
2022: €13k
2023: €27k
2024: €42k
2022 → 2025
Total assets
€70k▼ 25.2%
2024 · €94k
2022: €61k
2023: €78k
2024: €94k
2022 → 2025
Net result
€16k▲ 6.0%
2024 · €16k
2022: €10k
2023: €14k
2024: €16k
2022 → 2025
Working capital
€49k▲ 7.7%
2024 · €46k
2022: €5k
2023: €24k
2024: €46k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€27k▲ 101%€42k▲ 57.9%€47k▲ 11.1%
Operating result€13k-€19k▲ 46.8%€21k▲ 10.4%€21k▲ 2.3%
Net result€10k-€14k▲ 30.4%€16k▲ 15.1%€16k▲ 6.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€6k▼ 52.6%
Current assets
€65k▼ 21.0%
Equity and liabilities €70k
Equity
€47k▲ 11.1%
Debt
€23k▼ 54.9%
The debt ratio falls from 55.0% to 33.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2024 · €34k
Cash flow
€29k▲
2024 · €29k
Solvency
66.9%▲
2024 · 45.0%
Current ratio
4.22▲
2024 · 2.27
Quick ratio
4.22▲
2024 · 2.27
Debt / equity
0.50▼
2024 · 1.22
ROE
35.0%▼
2024 · 36.6%
ROA
23.4%▲
2024 · 16.5%
Interest coverage
36.37▲
2024 · 26.98
Debt
€23k▼
2024 · €52k
Debt ≤ 1 year
€15k▼
2024 · €36k
Debt > 1 year
€8k▼
2024 · €16k
Income taxes
€4k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€94k€70k▼
Fixed assets21/28€12k€6k▼
Tangible fixed assets22/27€12k€6k▼
Land and buildings22-€6k
Furniture and vehicles24€12k€0▼
Current assets29/58€82k€65k▼
Amounts receivable within one year40/41-€8k
Other amounts receivable41-€8k
Cash at bank and in hand54/58€82k€51k▼
Deferred charges and accrued income490/1€0€6k▲
Equity and liabilities
Total equity and liabilities10/49€94k€70k▼
Equity10/15€42k€47k▲
Contributions10/11€3k€3k=
Reserves13€39k€44k▲
Distributable reserves133€39k€44k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€52k€23k▼
Amounts payable after more than one year17€16k€8k▼
Financial debts170/4€16k€8k▼
Amounts payable within one year42/48€36k€15k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€746€68▼
Suppliers440/4€746€68▼
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€18k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€323€332▲
Gross operating margin9900€35k€34k▼
Operating profit (loss)9901€21k€21k▲
Financial income75/76B-€192
Recurring financial income75-€192
Financial charges65/66B€1k€934▼
Recurring financial charges65€1k€934▼
Profit (loss) for the period before taxes9903€20k€21k▲
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€16k€16k▲
Profit (loss) for the period to be appropriated9905€16k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€16k▲
Transfer from equity791/2-€12k
Transfer to equity691/2€16k€16k▲
To other reserves6921€16k€16k▲
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €16k ▲6%
Operating result €21k, net result €16k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Herentals · 1 establishment unit since 2022
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.
Molenstraat(MRH) 922200 HerentalsGround area
114 m²
Building footprint
114 m²
Volume, LiDAR
642 m³
Parcel 13026A0208/00M002, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEF LEIRS
since 20222.337.922.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13026A0208/00M002 | Flanders | 114 m² | 1 · 114 m² | 9.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 207 EUR awarded · 207 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 207 EUR | 207 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,689 companies in sector 86951 we hold annual accounts for 2,142. 1,954 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-2022
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.