STEFAN GROUP

Active

Private limited companyfounded 20233 yrs activeGrensstraat 285, 9032 Gent, BelgiumKBO/BCE: BE 0805.661.313

The computed 12-month bankruptcy probability of STEFAN GROUP is 2.3% (moderate). The 2025 annual accounts show equity of €9k and a net result of €15k. Its solvency ranks better than 46% of 7318 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

60 / 100

Healthy▼ -25 vs 2024

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

Axes · tick = 2024

Profitability100=

Solvency74▼-26

Growth32

Stability94

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

60.5% 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 41

Relative position

BE, all sectors

reference

Sector 41

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

39.5%

Return on assets

60.5%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

66 d early

2024

92 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

15-09-2026 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

€9k▼ 67.9%

2024 · €29k

2024: €29k

2024 → 2025

Total assets

€24k▼ 24.1%

2024 · €32k

2024: €32k

2024 → 2025

Net result

€15k▼ 50.7%

2024 · €29k

2024: €29k

2024 → 2025

Working capital

€26k

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€29k-€9k▼ 67.9%

Operating result€29k-€16k▼ 47.0%

Net result€29k-€15k▼ 50.7%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 47% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €24k

12.5%

87.5%

Fixed assets €3k=

Current assets €21k▼ 26.6%

Equity and liabilities €24k

39.5%

60.5%

Equity €9k▼ 67.9%

Debt €15k▲ 579%

The debt ratio rises from 6.8% to 60.5%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

Solvency

39.5%▼

2024 · 93.2%

Debt / equity

1.53▲

2024 · 0.07

ROE

153.5%▲

2024 · 100.0%

ROA

60.5%▼

2024 · 93.2%

Debt

€15k▲

2024 · €2k

Income taxes

€1k

Staff costs

€38k▲

2024 · €35k

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€32k€24k▼

Fixed assets21/28€3k€3k=

Tangible fixed assets22/27€3k€3k=

Furniture and vehicles24€3k€3k=

Current assets29/58€29k€21k▼

Amounts receivable within one year40/41€10k€13k▲

Other amounts receivable41€10k€13k▲

Cash at bank and in hand54/58€19k€8k▼

Equity and liabilities

Total equity and liabilities10/49€32k€24k▼

Equity10/15€29k€9k▼

Contributions10/11-€1k

Capital10-€1k

Issued capital100-€1k

Profit (loss) carried forward14€29k€8k▼

Amounts payable17/49€2k€15k▲

Amounts payable within one year42/48€2k-

Taxes, remuneration and social security45€2k-

Taxes450/3€2k-

Accrued charges and deferred income492/3-€15k

Income statement Code20242025

Remuneration, social security and pensions62€35k€38k▲

Other operating charges640/8€1k€3k▲

Gross operating margin9900€66k€56k▼

Operating profit (loss)9901€29k€16k▼

Profit (loss) for the period before taxes9903€29k€16k▼

Income taxes67/77-€1k

Profit (loss) for the period9904€29k€15k▼

Profit (loss) for the period to be appropriated9905€29k€15k▼

Appropriation of the result

Profit (loss) to be appropriated9906€29k€15k▼

Transfer to equity691/2-€6k

To contributions691-€6k

The notes to these accounts (1 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 2Filings 2

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

2026

26-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

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, Gent · 1 establishment unit since 2023

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.

Grensstraat 2859032 Gent

Ground area

140 m²

Building footprint

74 m²

Volume, LiDAR

419 m³

Parcel 44074B0258/00H000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

STEFAN GROUP

Grensstraat 285, 9032 GentCutting, shaping and finishing of stone

since 20232.349.172.229

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44074B0258/00H000	Flanders	140 m²	1 · 74 m²	10.1 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.

Similar companies · same sector, comparable size

Geraardsbergen · Eq €9k

Aiseau-Presles · Eq €9k

Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 8,970 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded11-09-2023

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43310Plastering work

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.