STEFABI
ActiveSTEFABI has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €158k and a net result of €73k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 41% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+10
Solvency54▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.21 in 2024; short-term debt: 65.3% and cash: 10% of total assets), and 70.5% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
29.5%
Return on assets
13.6%
Age of the figures
9 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 12-08-2026, 12 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 · 10 filingsDeviation from the deadline
2025
12 d late
2024
14 d late
2023
29 d late
2022
14 d early
2021
31 d late
2020
22 d early
2019
13 d late
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€73k▲ 135%
2024 · €31k
2018: €-9k
2019: €13k
2020: €167k
2021: €73k
2022: €-6k
2023: €75k
2024: €31k
2018 → 2025
Working capital
€88k▲ 30.9%
2024 · €67k
2018: €-90k
2019: €-65k
2020: €62k
2021: €82k
2022: €54k
2023: €57k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127k-€121k▼ 5.0%€149k▲ 23.0%€140k▼ 6.0%€158k▲ 12.9%
Operating result€108k-€-615€106k€49k▼ 53.5%€105k▲ 112%
Net result€73k-€-6k€75k€31k▼ 58.4%€73k▲ 135%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 112% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €536k
Fixed assets
€99k▼ 15.9%
Current assets
€437k▲ 13.4%
Equity and liabilities €536k
Equity
€158k▲ 12.9%
Debt
€378k▲ 4.1%
The debt ratio falls from 72.2% to 70.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€145k▲
2024 · €97k
Cash flow
€113k▲
2024 · €79k
Solvency
29.5%▲
2024 · 27.8%
Current ratio
1.25▲
2024 · 1.21
Quick ratio
0.76▲
2024 · 0.69
Debt / equity
2.39▼
2024 · 2.60
ROE
46.3%▲
2024 · 22.3%
ROA
13.6%▲
2024 · 6.2%
Interest coverage
18.36▲
2024 · 10.81
Debt
€378k▲
2024 · €363k
Debt ≤ 1 year
€350k▲
2024 · €319k
Debt > 1 year
€28k▼
2024 · €44k
Income taxes
€26k▲
2024 · €11k
Staff costs
€140k▼
2024 · €145k
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€536k▲
Fixed assets21/28€117k€99k▼
Tangible fixed assets22/27€105k€87k▼
Plant, machinery and equipment23€52k€40k▼
Furniture and vehicles24€30k€16k▼
Other tangible fixed assets26€23k€31k▲
Financial fixed assets28€12k€12k▲
Current assets29/58€386k€437k▲
Stocks and contracts in progress3€166k€173k▲
Stocks30/36€166k€173k▲
Amounts receivable within one year40/41€28k€44k▲
Trade receivables40€16k€33k▲
Other amounts receivable41€12k€11k▼
Current investments50/53€153k€164k▲
Cash at bank and in hand54/58€36k€54k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€503k€536k▲
Equity10/15€140k€158k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€90k€108k▲
Amounts payable17/49€363k€378k▲
Amounts payable after more than one year17€44k€28k▼
Financial debts170/4€44k€28k▼
Amounts payable within one year42/48€319k€350k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€232k€252k▲
Suppliers440/4€232k€252k▲
Taxes, remuneration and social security45€30k€26k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€21k€20k▼
Other amounts payable47/48€42k€56k▲
Accrued charges and deferred income492/3€419€113▼
Income statement
Code20242025
Remuneration, social security and pensions62€145k€140k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€40k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€248k€290k▲
Operating profit (loss)9901€49k€105k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€42k€99k▲
Income taxes67/77€11k€26k▲
Profit (loss) for the period9904€31k€73k▲
Profit (loss) for the period to be appropriated9905€31k€73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€130k€163k▲
Profit (loss) brought forward from the previous period14P€99k€90k▼
Profit to be distributed694/7€40k€55k▲
Return on contributions (dividend)694€40k€55k▲
Social balance
Average headcount (FTE)90874.13.8▼
The notes to these accounts (12 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
31-12
Financial
Equity above €150kEq €158k ▲12.9%
3 profitable years in a row build equity to €158k.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 14 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Back to profitnet €75k
Net result €75k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €127k ▲43.3%
3 profitable years in a row build equity to €127k.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €167k ▲1177%
Operating result €198k, net result €167k, both a record.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 13 days late
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Verviers · 1 establishment unit since 2015
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.
Rue de Battice 784800 VerviersGround area
3,823 m²
Building footprint
640 m²
Volume, LiDAR
3,024 m³
Parcel 63059A0335/00E002, Wallonia · tallest building 5.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PROXY DELHAIZE PETIT RECHAIN
since 20152.244.803.791
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63059A0335/00E002 | Wallonia | 3,823 m² | 1 · 640 m² | 5.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVerviers2.244.803.791
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2015
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.