STEFAN DEGROOTE
ActiveSTEFAN DEGROOTE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €572k and a net result of €126k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 90% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+24
Solvency100▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 11.77 against 3.32 in 2024; short-term debt: 8.5% and cash: 62.1% of total assets), and 8.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
91.5%
Return on assets
20.2%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-09-2025, 138 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
138 d early
2024
130 d early
2023
142 d early
2022
126 d early
2021
5 d early
2020
132 d early
2019
140 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€180k
EBIT margin
22.1%
Net result
€126k▲ 50.6%
2024 · €84k
2019: €113k
2020: €22k
2021: €80k
2022: €18k
2023: €88k
2024: €84k
2019 → 2025
Working capital
€570k▲ 30.0%
2024 · €438k
2019: €398k
2020: €415k
2021: €471k
2022: €496k
2023: €510k
2024: €438k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€180k
Equity€501k-€519k▲ 3.6%€527k▲ 1.4%€446k▼ 15.4%€572k▲ 28.3%
Operating result€111k-€40k▼ 64.2%€124k▲ 212%€107k▼ 13.7%€180k▲ 68.5%
Net result€80k-€18k▼ 77.1%€88k▲ 382%€84k▼ 4.9%€126k▲ 50.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 69% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €625k
Fixed assets
€2k▼ 69.9%
Current assets
€623k▼ 0.7%
Equity and liabilities €625k
Equity
€572k▲ 28.3%
Debt
€53k▼ 71.9%
The debt ratio falls from 29.8% to 8.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€188k▲
2024 · €116k
Cash flow
€133k▲
2024 · €93k
Solvency
91.5%▲
2024 · 70.2%
Current ratio
11.77▲
2024 · 3.32
Quick ratio
11.77▲
2024 · 3.32
Debt / equity
0.09▼
2024 · 0.42
ROE
22.1%▲
2024 · 18.8%
ROA
20.2%▲
2024 · 13.2%
Interest coverage
378.99▲
2024 · -17.91
Debt
€53k▼
2024 · €189k
Debt ≤ 1 year
€53k▼
2024 · €189k
Income taxes
€56k▲
2024 · €32k
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€635k€625k▼
Fixed assets21/28€8k€2k▼
Tangible fixed assets22/27€8k€2k▼
Plant, machinery and equipment23€1k€333▼
Furniture and vehicles24€6k€2k▼
Other tangible fixed assets26€0-
Current assets29/58€627k€623k▼
Amounts receivable within one year40/41€18k€24k▲
Trade receivables40€18k€24k▲
Other amounts receivable41-€222
Current investments50/53€208k€208k=
Cash at bank and in hand54/58€399k€388k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€635k€625k▼
Equity10/15€446k€572k▲
Contributions10/11€12k€12k=
Reserves13€433k€559k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€431k€558k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€189k€53k▼
Amounts payable within one year42/48€189k€53k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€22k€51k▲
Taxes450/3€19k€48k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€165k€722▼
Accrued charges and deferred income492/3€240€229▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Other operating charges640/8€778€762▼
Gross operating margin9900€117k€189k▲
Operating profit (loss)9901€107k€180k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€-6k€495▲
Recurring financial charges65€-6k€495▲
Profit (loss) for the period before taxes9903€116k€182k▲
Income taxes67/77€32k€56k▲
Profit (loss) for the period9904€84k€126k▲
Profit (loss) for the period to be appropriated9905€84k€126k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€126k▲
Transfer from equity791/2€165k€0▼
Transfer to equity691/2€84k€126k▲
To other reserves6921€84k€126k▲
Profit to be distributed694/7€165k€0▼
Return on contributions (dividend)694€165k€0▼
The notes to these accounts (13 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
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €126k ▲50.6%
Operating result €180k, net result €126k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 11.77
Current ratio from 3.32 to 11.77; short-term debt falls from €189k to €53k.
30-06
Financial
Equity above €500kEq €572k ▲28.3%
7 profitable years in a row build equity to €572k.
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €18k ▼77.1%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €500kEq €501k ▲19%
3 profitable years in a row build equity to €501k.
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
07-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Scherpenheuvel-Zichem · 1 establishment unit since 2011
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.
Lobbensestraat(Z) 1853271 Scherpenheuvel-ZichemGround area
5,080 m²
Building footprint
186 m²
Volume, LiDAR
917 m³
Parcel 24129D0026/00N003, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lobbensestraat(Z) 185, 3271 Scherpenheuvel-Zichem
since 20112.200.217.940
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24129D0026/00N003 | Flanders | 5,080 m² | 1 · 186 m² | 7.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900XJJA3J77ZWML32
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 11,383 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-06-2011
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.