Stef Leyman
ActiveThe computed 12-month bankruptcy probability of Stef Leyman is 1.6% (moderate). The 2025 annual accounts show equity of €15k and a net result of €12k. Its solvency ranks better than 46% of 27407 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency68
Growth-
Stability67
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.09), and 56.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
43.9%
Return on assets
35.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 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
34 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€15k
Total assets
€35k
Net result
€12k
Working capital
€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €35k
Fixed assets
€14k
Current assets
€21k
Equity and liabilities €35k
Equity
€15k
Debt
€19k
Debt finances 56.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€16k
Cash flow
€12k
Solvency
43.9%
Current ratio
1.09
Quick ratio
1.09
Debt / equity
1.28
ROE
80.3%
ROA
35.3%
Interest coverage
80.53
Debt
€19k
Debt ≤ 1 year
€19k
Income taxes
€3k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€35k
Fixed assets21/28€14k
Tangible fixed assets22/27€14k
Plant, machinery and equipment23€5k
Furniture and vehicles24€8k
Current assets29/58€21k
Amounts receivable within one year40/41€15k
Trade receivables40€12k
Other amounts receivable41€4k
Cash at bank and in hand54/58€5k
Deferred charges and accrued income490/1€531
Equity and liabilities
Total equity and liabilities10/49€35k
Equity10/15€15k
Contributions10/11€3k
Profit (loss) carried forward14€12k
Amounts payable17/49€19k
Amounts payable within one year42/48€19k
Trade debts44€8k
Suppliers440/4€8k
Taxes, remuneration and social security45€5k
Taxes450/3€3k
Remuneration and social security454/9€2k
Other amounts payable47/48€6k
Accrued charges and deferred income492/3€147
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€230
Other operating charges640/8€585
Gross operating margin9900€16k
Operating profit (loss)9901€16k
Financial income75/76B€20
Recurring financial income75€20
Financial charges65/66B€195
Recurring financial charges65€195
Profit (loss) for the period before taxes9903€15k
Income taxes67/77€3k
Profit (loss) for the period9904€12k
Profit (loss) for the period to be appropriated9905€12k
Appropriation of the result
Profit (loss) to be appropriated9906€12k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 34 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, Wichelen · 1 establishment unit since 2025
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.
Reukens 259260 WichelenGround area
622 m²
Building footprint
159 m²
Volume, LiDAR
828 m³
Parcel 42018A0779/00W000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stef Leyman
since 20252.373.491.119
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42018A0779/00W000 | Flanders | 622 m² | 1 · 159 m² | 6.9 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.
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,084. 5,530 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2025
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43211General electrical installation work
43331Floor and wall tiling
43341Painting of buildings
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.