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Stefan Meert

Active
Sèbles(POT) 14 ·7760 Celles (lez-Tournai), Belgium
KBO/BCE: BE 0786.328.916
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Age4 yrs
Connections1
Real estate1 parcel · 522 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Stefan Meert is 0.4% (very low). The 2025 annual accounts show equity of €100k and a net result of €33k. Equity is growing by ~37.8% per year across the filed fiscal years. Its solvency ranks better than 82% of 4723 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

3 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 82% of 4723 peers (2025). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend
Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 17-12-2025 45 d early 2025-00583409
30-06-2024 31-01-2025 31-12-2024 31 d early 2025-00630051
30-06-2023 31-01-2024 11-12-2023 51 d early 2023-00525206

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€33k+14.3%
Working capital€100k+47.7%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 17-12-2025 with the NBB · fiscal year 2025 · micro
€0€20k€40kOperating result 2023: €42k€42kNet result 2023: €33k€33kOperating result 2024: €37k€37kNet result 2024: €29k€29kOperating result 2025: €43k€43kNet result 2025: €33k€33k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~37.8%/year over 3 fiscal years, indicative, assuming unchanged policy.
€0€50k€100k€150k€200k2026: €127k (€119k - €135k)2027: €153k (€145k - €161k)2028: €179k (€171k - €187k)2023: €48k2024: €70k2025: €100k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 83.7% 55.5%
better than 82% of 4723 sector peers
Net result €33k €38k
better than 46% of 4722 sector peers
Equity €100k €64k
better than 63% of 4723 sector peers
Gross operating margin €44k €61k
better than 39% of 4715 sector peers
Total assets €120k €146k
better than 42% of 4723 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P82
2023: P69 · n=100762024: P67 · n=124642025: P82 · n=47232023 2025
Improving position over 2023-2025 · n=4723-12464
Net result P46
2023: P55 · n=100702024: P48 · n=124662025: P46 · n=47222023 2025
Stable position over 2023-2025 · n=4722-12466
Equity P63
2023: P47 · n=100832024: P54 · n=124722025: P63 · n=47232023 2025
Improving position over 2023-2025 · n=4723-12472
Gross operating margin P39
2023: P50 · n=100562024: P41 · n=124522025: P39 · n=47152023 2025
Stable position over 2023-2025 · n=4715-12452
Describes the position versus peers, not a forecast.
EBITDA
€44k
+13.0% 23-25
Net profit
€33k
+14.3% 23-25
Cash flow
€35k
+13.1% 23-25
Total assets
€120k
+24.4% 23-25
Equity
€100k
+44.2% 23-25
Working capital
€100k
+47.7% 23-25
Income taxes
€9k
+13.5% 23-25
Dividends
€3k
-65.3% 23-25
Debt
€20k
-26.9% 23-25
Debt ≤ 1y
€19k
-27.9% 23-25
Current ratio
6.39
+76.0% 23-25
Quick ratio
6.39
+76.0% 23-25
Solvency
83.7%
+15.9% 23-25
Debt / equity
0.20
-49.3% 23-25
ROE
33.1%
-20.7% 23-25
ROA
27.7%
-8.1% 23-25
Interest coverage
84.32
-1.6% 23-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€44k
Net profit€33k
Cash flow€35k
Staff costs-
Income taxes€9k
Dividends€3k
Total assets€120k
Equity€100k
Debt€20k
of which ≤ 1y€19k
of which > 1y-
Working capital€100k
Employees (FTE)-
Ratios (computed)
2025
Current ratio6.39
Quick ratio6.39
Working capital ratio83.7%
Solvency83.7%
Debt / equity0.20
Long-term debt ratio-
Interest coverage84.32
Gross margin-
Net margin-
ROA27.7%
ROE33.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€120k
Fixed assets 21/28€911
Tangible fixed assets 22/27€911
Current assets 29/58€119k
Amounts receivable within one year 40/41€8k
Cash & bank 54/58€111k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€120k
Equity 10/15€100k
Contributions / capital 10/11€15k
Reserves 13€85k
Accumulated profits (losses) 14€0
Amounts payable 17/49€20k
Amounts payable within one year 42/48€19k
Trade debts payable within one year 44€862
Income statement
Gross operating margin 9900€44k
Operating result 9901€43k
Financial income 75€78
Financial charges 65€525
Result before taxes 9903€42k
Income taxes 67/77€9k
Net result for the period 9904€33k
Result to be appropriated 9905€33k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Connections & network

1 connected company
Group structure
Deloitte Consulting & Advisory
We sit on their board · 6 locations
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

1 party
Stefan MeertBE 0786.328.916
controls
Where this company holds controlthis company sits on their board1
Deloitte Consulting & Advisory
6 locations

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank
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.

Sèbles(POT) 147760 Celles (lez-Tournai)

Establishment units

1 location
Sèbles(POT) 14, 7760 Celles (lez-Tournai)
Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.
since 20222.331.378.271
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area522 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
57067D0734/00A000 Wallonia 522 m² - -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
All acts · 2 updated 4 years ago
2022
20-06-2022 Act object · Notarial deed · General meeting · Merger Open-capture extraction
  • Act object: MET FUSIE DOOR OVERNEMING GELIJKGESTELDE VERRICHTING - NOTULEN VAN DE ALGEMENE VERGADERING VAN DE OVERNEMENDE VENNOOTSCHAP - BENOEMING EN ONTSLAG VAN BESTUURDERS - UITTREDING VAN AANDEELHOUDERS · Deloitte Consulting & Advisory
  • Publication: 20/06/2022 · Deloitte Consulting & Advisory
  • Filing: 10/06/2022 · Deloitte Consulting & Advisory
  • Notarial deed: 30/05/2022 · Deloitte Consulting & Advisory
  • General meeting: 30/05/2022 · Deloitte Consulting & Advisory
  • Merger · Deloitte Consulting & Advisory
  • Accounting effect: 01/06/2022 · Deloitte Consulting & Advisory
  • Permanent representative · Kris PEETERMANS
  • Permanent representative · Joeri GUSSÉ
  • Permanent representative · Muhammed SENTÜRK
  • Permanent representative · Maarten DUBOIS
  • Permanent representative · Pierre LAURENT
  • Permanent representative · Stefan MEERT
  • Permanent representative · Karel MEYFROOTS
  • Permanent representative · Stefan RUSU
  • Filing representative: vervulling van de formaliteiten bij een ondernemingsloket met het oog op de inschrijving/aanpassing van de gegevens in de Kruispuntbank van Ondernemingen, en, desgevallend, bij de Administratie van de Belasting over de Toegevoegde Waarde · Zahra AABBOU
  • Filing representative: vervulling van de formaliteiten bij een ondernemingsloket met het oog op de inschrijving/aanpassing van de gegevens in de Kruispuntbank van Ondernemingen, en, desgevallend, bij de Administratie van de Belasting over de Toegevoegde Waarde · Marie-Noëlle HAVELANGE
  • Filing representative: vervulling van de formaliteiten bij een ondernemingsloket met het oog op de inschrijving/aanpassing van de gegevens in de Kruispuntbank van Ondernemingen, en, desgevallend, bij de Administratie van de Belasting over de Toegevoegde Waarde · Karolien ROSEL
  • Filing representative: vervulling van de formaliteiten bij een ondernemingsloket met het oog op de inschrijving/aanpassing van de gegevens in de Kruispuntbank van Ondernemingen, en, desgevallend, bij de Administratie van de Belasting over de Toegevoegde Waarde · Valentine HELLIN
  • Filing representative: vervulling van de formaliteiten bij een ondernemingsloket met het oog op de inschrijving/aanpassing van de gegevens in de Kruispuntbank van Ondernemingen, en, desgevallend, bij de Administratie van de Belasting over de Toegevoegde Waarde · Pierre LÜTTGENS
  • Filing representative: vervulling van de formaliteiten bij een ondernemingsloket met het oog op de inschrijving/aanpassing van de gegevens in de Kruispuntbank van Ondernemingen, en, desgevallend, bij de Administratie van de Belasting over de Toegevoegde Waarde · Vincent HASAERS
Summary: Act object · Notarial deed · General meeting · Merger
20-06-2022 Act object · Notarial deed · General meeting · Merger Open-capture extraction
  • Act object: OPÉRATION ASSIMILÉE A LA FUSION PAR ABSORPTION - PROCÈS-VERBAL DE L'ASSEMBLÉE GÉNÉRALE DE LA SOCIÉTÉ ABSORBANTЕ - NOMINATION ET DÉMISSION D'ADMINISTRATEURS - RETRAIT D'ACTIONNAIRES · Deloitte Consulting & Advisory
  • Publication: 20/06/2022 · Deloitte Consulting & Advisory
  • Filing: 10/06/2022 · Deloitte Consulting & Advisory
  • Notarial deed: 30/05/2022 · Deloitte Consulting & Advisory
  • General meeting: 30/05/2022 · Deloitte Consulting & Advisory
  • Merger · Deloitte Consulting & Advisory
  • Accounting effect: 01/06/2022 · Deloitte Consulting & Advisory
  • Permanent representative · Kris PEETERMANS
  • Permanent representative · Joeri GUSSÉ
  • Permanent representative · Muhammed SENTÜRK
  • Permanent representative · Maarten DUBOIS
  • Permanent representative · Pierre LAURENT
  • Permanent representative · Stefan MEERT
  • Permanent representative · Karel MEYFROOTS
  • Permanent representative · Stefan RUSU
  • Filing representative: formalités auprès d'un guichet d'entreprise en vue d'assurer l'inscription/la modification des données dans la Banque Carrefour des Entreprises et, le cas échéant, auprès de l'Administration de la Taxe sur la Valeur Ajoutée · Zahra AABBOU
  • Filing representative: formalités auprès d'un guichet d'entreprise en vue d'assurer l'inscription/la modification des données dans la Banque Carrefour des Entreprises et, le cas échéant, auprès de l'Administration de la Taxe sur la Valeur Ajoutée · Marie-Noëlle HAVELANGE
  • Filing representative: formalités auprès d'un guichet d'entreprise en vue d'assurer l'inscription/la modification des données dans la Banque Carrefour des Entreprises et, le cas échéant, auprès de l'Administration de la Taxe sur la Valeur Ajoutée · Karolien ROSEL
  • Filing representative: formalités auprès d'un guichet d'entreprise en vue d'assurer l'inscription/la modification des données dans la Banque Carrefour des Entreprises et, le cas échéant, auprès de l'Administration de la Taxe sur la Valeur Ajoutée · Valentine HELLIN
  • Filing representative: formalités auprès d'un guichet d'entreprise en vue d'assurer l'inscription/la modification des données dans la Banque Carrefour des Entreprises et, le cas échéant, auprès de l'Administration de la Taxe sur la Valeur Ajoutée · Pierre Lüttgens
  • Filing representative: formalités auprès d'un guichet d'entreprise en vue d'assurer l'inscription/la modification des données dans la Banque Carrefour des Entreprises et, le cas échéant, auprès de l'Administration de la Taxe sur la Valeur Ajoutée · Vincent HASAERS
Summary: Act object · Notarial deed · General meeting · Merger

Analysis

Snowflake analysis

financial profile on 5 axes
Health100Profitability100Solvency100Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 78
Stability 94

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,322 of the 81,966 companies in this sector. 12,489 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameFR Stefan Meert
Registered office
Sèbles(POT) 14
7760 Celles (lez-Tournai), Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.