STEF NUYENS
ActiveThe computed 12-month bankruptcy probability of STEF NUYENS is 2.0% (moderate). The 2025 annual accounts show equity of €348k and a net result of €80k. Equity is growing by ~51.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 7760 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency85=
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 1.94 in 2024; short-term debt: 40% and cash: 52.1% of total assets), and 40% 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
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
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 →
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
60%
Return on assets
13.8%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-10-2025, 4 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
4 d early
2024
on the day
2023
5 d early
2022
3 d early
2021
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€348k▲ 16.0%
2024 · €300k
2021: €36k
2022: €47k
2023: €171k
2024: €300k
2021 → 2025
Total assets
€579k▲ 15.0%
2024 · €503k
2021: €72k
2022: €187k
2023: €394k
2024: €503k
2021 → 2025
Net result
€80k▼ 37.9%
2024 · €128k
2021: €31k
2022: €10k
2023: €125k
2024: €128k
2021 → 2025
Working capital
€201k▲ 4.9%
2024 · €192k
2021: €33k
2022: €-24k
2023: €85k
2024: €192k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€47k▲ 28.4%€171k▲ 266%€300k▲ 74.9%€348k▲ 16.0%
Operating result€39k-€13k▼ 66.3%€153k▲ 1,060%€167k▲ 9.3%€102k▼ 39.0%
Net result€31k-€10k▼ 67.1%€125k▲ 1,106%€128k▲ 3.0%€80k▼ 37.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €579k
Fixed assets
€146k▲ 35.9%
Current assets
€433k▲ 9.3%
Equity and liabilities €579k
Equity
€348k▲ 16.0%
Debt
€231k▲ 13.6%
The debt ratio falls from 40.5% to 40.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€116k▼
2024 · €176k
Cash flow
€93k▼
2024 · €137k
Solvency
60.0%▲
2024 · 59.5%
Current ratio
1.87▼
2024 · 1.94
Quick ratio
1.87▼
2024 · 1.94
Debt / equity
0.67▼
2024 · 0.68
ROE
22.9%▼
2024 · 42.8%
ROA
13.8%▼
2024 · 25.5%
Interest coverage
229.42▲
2024 · 112.47
Debt
€231k▲
2024 · €204k
Debt ≤ 1 year
€231k▲
2024 · €204k
Income taxes
€23k▼
2024 · €39k
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€503k€579k▲
Fixed assets21/28€108k€146k▲
Tangible fixed assets22/27€108k€146k▲
Furniture and vehicles24€11k€14k▲
Other tangible fixed assets26€97k€132k▲
Current assets29/58€396k€433k▲
Amounts receivable within one year40/41€101k€128k▲
Trade receivables40€80k€106k▲
Other amounts receivable41€21k€21k▼
Cash at bank and in hand54/58€293k€302k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€503k€579k▲
Equity10/15€300k€348k▲
Contributions10/11€5k€5k=
Reserves13€295k€343k▲
Distributable reserves133€295k€343k▲
Amounts payable17/49€204k€231k▲
Amounts payable within one year42/48€204k€231k▲
Trade debts44€85k€82k▼
Suppliers440/4€85k€82k▼
Advances received on contracts in progress46€100k€115k▲
Taxes, remuneration and social security45€19k€2k▼
Taxes450/3€19k€2k▼
Other amounts payable47/48-€32k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€13k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€1k
Other operating charges640/8€1k€2k▲
Gross operating margin9900€178k€119k▼
Operating profit (loss)9901€167k€102k▼
Financial income75/76B€1k€927▼
Recurring financial income75€1k€927▼
Financial charges65/66B€2k€504▼
Recurring financial charges65€2k€504▼
Profit (loss) for the period before taxes9903€167k€103k▼
Income taxes67/77€39k€23k▼
Profit (loss) for the period9904€128k€80k▼
Profit (loss) for the period to be appropriated9905€128k€80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€128k€80k▼
Transfer to equity691/2€128k€48k▼
To other reserves6921€128k€48k▼
Profit to be distributed694/7-€32k
Return on contributions (dividend)694-€32k
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
Next filing, fiscal year 2026, expected by
2025
27-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Highest result since 2021net €128k ▲3%
Operating result €167k, net result €128k, both a record.
31-03
Financial
Equity above €200kEq €300k ▲74.9%
4 profitable years in a row build equity to €300k.
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Equity above €150kEq €171k ▲266%
3 profitable years in a row build equity to €171k.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Weakest financial yearnet €10k ▼67.1%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated 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, Vosselaar · 1 establishment unit since 2020
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.
Hofeinde 2192350 VosselaarGround area
1,881 m²
Building footprint
155 m²
Parcel 13046A0003/00V000, Flanders. Linked by address, not a title deed.
1 establishment unit
STEF NUYENS
since 20202.299.115.378
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13046A0003/00V000 | Flanders | 1,881 m² | 1 · 155 m² | - |
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 20,026 companies in sector 43320 we hold annual accounts for 9,136. 6,646 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2020
Fiscal year end31-03
Activities, NACEBEL
43320Joinery installation
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:stef.nuyens@outlook.com
Phone:0499394413