Stef Parys

Active

Private limited companyfounded 20214 yrs activeSikkelstraat 6, 2580 Putte, BelgiumKBO/BCE: BE 0779.290.971

The computed 12-month bankruptcy probability of Stef Parys is 2.1% (moderate). The 2025 annual accounts show equity of €67k and a net result of €2k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 43% of 4401 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

74 / 100

Healthy▼ -7 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability15▼-85

Solvency56▼-6

Growth52=

Stability94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity tight (current ratio 1.1 against 1.05 in 2024), and 65.9% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 81

Relative position

BE, all sectors

reference

Sector 81

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

34.1%

Return on assets

1.1%

Age of the figures

8 mo

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 4 filings

Deviation from the deadline

2025

6 d late

2024

38 d early

2023

2 d early

2022

48 d early

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€67k▲ 3.2%

2024 · €65k

2022: €29k 2023: €48k 2024: €65k

2022 → 2025

Total assets

€198k▲ 19.3%

2024 · €166k

2022: €68k 2023: €151k 2024: €166k

2022 → 2025

Net result

€2k▼ 87.8%

2024 · €17k

2022: €24k 2023: €20k 2024: €17k

2022 → 2025

Working capital

€9k▲ 173%

2024 · €3k

2022: €12k 2023: €14k 2024: €3k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€29k-€48k▲ 68.8%€65k▲ 35.5%€67k▲ 3.2%

Operating result€29k-€26k▼ 9.9%€26k▼ 0.1%€8k▼ 68.9%

Net result€24k-€20k▼ 16.6%€17k▼ 12.9%€2k▼ 87.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen three years in a row; 2025 is 69% below 2024 and is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €198k

51.4%

48.6%

Fixed assets €102k▲ 6.9%

Current assets €96k▲ 35.9%

Equity and liabilities €198k

34.1%

65.9%

Equity €67k▲ 3.2%

Debt €130k▲ 29.7%

The debt ratio rises from 60.6% to 65.9%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€44k▼

2024 · €52k

Cash flow

€38k▼

2024 · €43k

Solvency

34.1%▼

2024 · 39.4%

Current ratio

1.10▲

2024 · 1.05

Quick ratio

1.10▲

2024 · 1.05

Debt / equity

1.94▲

2024 · 1.54

ROE

3.1%▼

2024 · 26.2%

ROA

1.1%▼

2024 · 10.3%

Interest coverage

11.52▼

2024 · 18.13

Debt

€130k▲

2024 · €101k

Debt ≤ 1 year

€87k▲

2024 · €67k

Debt > 1 year

€43k▲

2024 · €33k

Income taxes

€2k▼

2024 · €6k

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€166k€198k▲

Fixed assets21/28€95k€102k▲

Tangible fixed assets22/27€95k€102k▲

Plant, machinery and equipment23€29k€20k▼

Furniture and vehicles24€2k€2k▼

Leasing and similar rights25€57k€75k▲

Other tangible fixed assets26€6k€5k▼

Current assets29/58€71k€96k▲

Amounts receivable within one year40/41€22k€23k▲

Trade receivables40€17k€17k▼

Other amounts receivable41€6k€6k▲

Cash at bank and in hand54/58€45k€72k▲

Deferred charges and accrued income490/1€3k€1k▼

Equity and liabilities

Total equity and liabilities10/49€166k€198k▲

Equity10/15€65k€67k▲

Contributions10/11€5k€5k=

Reserves13€60k€62k▲

Distributable reserves133€60k€62k▲

Amounts payable17/49€101k€130k▲

Amounts payable after more than one year17€33k€43k▲

Financial debts170/4€33k€43k▲

Amounts payable within one year42/48€67k€87k▲

Current portion of amounts payable after more than one year42€15k€24k▲

Trade debts44€5k€15k▲

Suppliers440/4€5k€15k▲

Taxes, remuneration and social security45€11k€10k▼

Taxes450/3€7k€8k▲

Remuneration and social security454/9€4k€2k▼

Other amounts payable47/48€37k€39k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€36k▲

Other operating charges640/8€3k€2k▼

Gross operating margin9900€55k€46k▼

Operating profit (loss)9901€26k€8k▼

Financial income75/76B€148€4▼

Recurring financial income75€148€4▼

Financial charges65/66B€3k€4k▲

Recurring financial charges65€3k€4k▲

Non-recurring financial charges66B€500-

Profit (loss) for the period before taxes9903€23k€4k▼

Income taxes67/77€6k€2k▼

Profit (loss) for the period9904€17k€2k▼

Profit (loss) for the period to be appropriated9905€17k€2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€17k€2k▼

Transfer to equity691/2€17k€2k▼

To other reserves6921€17k€2k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

06-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 6 days late

2025

31-12

Financial Weakest financial yearnet €2k ▼87.8%

Net result drops to €2k, the lowest in the series.

23-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

29-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

13-06

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

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, Putte · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Sikkelstraat 62580 Putte

Ground area

2,329 m²

Building footprint

273 m²

Volume, LiDAR

1,329 m³

Parcel 12029B0567/00B000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Stef Parys

Sikkelstraat 6, 2580 PutteCrop and animal production, hunting and related service activities

since 20212.325.543.722

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12029B0567/00B000	Flanders	2,329 m²	1 · 273 m²	8.7 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.

Similar companies · same sector, comparable size

TUIN SOLUTIONS

BE 0846.247.004

Sint-Niklaas · Eq €67k

Of 21,155 companies in sector 81300 we hold annual accounts for 4,344. 3,634 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-12-2021

Fiscal year end31-12

Activities, NACEBEL

81300Landscape service activities

43120Site preparation

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.