STEFAN BEERTEN
ActiveSTEFAN BEERTEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2023 annual accounts show equity of €14k and a net result of €7k. Equity is growing by ~48.2% per year across the filed fiscal years. Its solvency ranks better than 34% of 5783 sector peers (fiscal year 2023). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 3 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline15-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 19-08-2025, 384 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
384 d late
2022
30 d late
2021
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, abbreviated schema
Equity
€14k▲ 92.1%
2022 · €7k
2021: €7k
2022: €7k
2021 → 2023
Net result
€7k▲ 2,038%
2022 · €314
2021: €4k
2022: €314
2021 → 2023
Total assets
€40k▼ 11.7%
2022 · €46k
2021: €50k
2022: €46k
2021 → 2023
Solvency
34.7%▲ 18.8pp
2022 · 16.0%
2021: 14.1%
2022: 16.0%
2021 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202120222023Trend
Equity€7k-€7k▲ 4.5%€14k▲ 92.1%
Operating result€8k-€2k▼ 76.9%€7k▲ 297%
Net result€4k-€314▼ 92.1%€7k▲ 2,038%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2023; 2023 is 297% above 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €40k
Fixed assets
€7k▲ 18.9%
Current assets
€33k▼ 16.3%
Equity and liabilities €40k
Equity
€14k▲ 92.1%
Debt
€26k▼ 31.5%
The debt ratio falls from 84.0% to 65.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
34.7%▲
2022 · 16.0%
ROE
47.9%▲
2022 · 4.3%
ROA
16.7%▲
2022 · 0.7%
Debt
€26k▼
2022 · €38k
Debt ≤ 1 year
€26k▼
2022 · €38k
Staff costs
€273
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€46k€40k▼
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27€6k€7k▲
Furniture and vehicles24€6k€7k▲
Current assets29/58€40k€33k▼
Amounts receivable within one year40/41€38k€27k▼
Trade receivables40€38k€26k▼
Other amounts receivable41€327€312▼
Cash at bank and in hand54/58€294€6k▲
Deferred charges and accrued income490/1€1k€248▼
Equity and liabilities
Total equity and liabilities10/49€46k€40k▼
Equity10/15€7k€14k▲
Contributions10/11€3k€3k=
Outside capital11-€3k
Other1109/19-€3k
Reserves13€4k€4k=
Non-distributable reserves130/1-€4k
Legal reserve130-€4k
Distributable reserves133€4k-
Profit (loss) carried forward14€314€7k▲
Amounts payable17/49€38k€26k▼
Amounts payable within one year42/48€38k€26k▼
Trade debts44€28k€25k▼
Suppliers440/4€28k€25k▼
Taxes, remuneration and social security45€1k€932▼
Taxes450/3€1k€932▼
Other amounts payable47/48€9k-
Income statement
Code20222023
Remuneration, social security and pensions62-€273
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10-
Other operating charges640/8€3k€149▼
Gross operating margin9900€5k€8k▲
Operating profit (loss)9901€2k€7k▲
Financial income75/76B€133-
Recurring financial income75€133-
Financial charges65/66B€356€414▲
Recurring financial charges65€356€414▲
Profit (loss) for the period before taxes9903€2k€7k▲
Income taxes67/77€1k-
Profit (loss) for the period9904€314€7k▲
Profit (loss) for the period to be appropriated9905€314€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€314€7k▲
Profit (loss) brought forward from the previous period14P-€314
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 384 days late
2023
31-12
Financial
Highest result since 2021net €7k ▲2038%
Net result €7k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €314 ▼92.1%
Net result drops to €314, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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, Hasselt · 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.
Abdissenstraat 153510 HasseltGround area
345 m²
Building footprint
89 m²
Volume, LiDAR
442 m³
Parcel 71028B0353/00M000, Flanders · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEFAN BEERTEN
since 20202.309.316.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71028B0353/00M000 | Flanders | 345 m² | 1 · 89 m² | 6.0 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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 6,120 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.