Stefan Van Bogaert
ActiveStefan Van Bogaert has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €528k and a net result of €33k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 7446 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▲+20
Solvency56=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.51 in 2023; short-term debt: 13.6% and cash: 7.3% of total assets), and 69% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
6 d early
2022
38 d early
2021
37 d early
2020
31 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€528k▼ 2.5%
2023 · €541k
2018: €211k
2019: €226k
2020: €318k
2021: €398k
2022: €606k
2023: €541k
2018 → 2024
Total assets
€1.70M▼ 2.6%
2023 · €1.75M
2018: €439k
2019: €723k
2020: €1.21M
2021: €1.23M
2022: €1.21M
2023: €1.75M
2018 → 2024
Net result
€33k
2023 · €-50k
2018: €47k
2019: €17k
2020: €94k
2021: €81k
2022: €209k
2023: €-50k
2018 → 2024
Working capital
€38k▼ 66.6%
2023 · €113k
2018: €92k
2019: €26k
2020: €140k
2021: €202k
2022: €246k
2023: €113k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€318k-€398k▲ 25.0%€606k▲ 52.2%€541k▼ 10.7%€528k▼ 2.5%
Operating result€114k-€128k▲ 11.6%€320k▲ 150%€-17k€76k
Net result€94k-€81k▼ 13.1%€209k▲ 157%€-50k€33k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €76k after a loss of €17k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.70M
Fixed assets
€1.43M▲ 1.5%
Current assets
€269k▼ 20.1%
Equity and liabilities €1.70M
Equity
€528k▼ 2.5%
Debt
€1.17M▼ 2.7%
The debt ratio stays at 69.0%.
Key figures and ratios
EBITDA
€181k▲
2023 · €91k
Cash flow
€138k▲
2023 · €58k
Solvency
31.0%▲
2023 · 31.0%
Current ratio
1.16▼
2023 · 1.51
Quick ratio
0.94▼
2023 · 1.25
Debt / equity
2.22▼
2023 · 2.23
ROE
6.3%▲
2023 · -9.2%
ROA
2.0%▲
2023 · -2.8%
Interest coverage
4.45▲
2023 · 2.79
Debt
€1.17M▼
2023 · €1.21M
Debt ≤ 1 year
€231k▲
2023 · €223k
Debt > 1 year
€892k▼
2023 · €950k
Income taxes
€8k▲
2023 · €780
Staff costs
€461k▲
2023 · €427k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.75M€1.70M▼
Fixed assets21/28€1.41M€1.43M▲
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€1.41M€1.43M▲
Land and buildings22€1.28M€1.29M▲
Plant, machinery and equipment23€72k€92k▲
Furniture and vehicles24€57k€47k▼
Financial fixed assets28€2k€2k=
Current assets29/58€336k€269k▼
Stocks and contracts in progress3€57k€51k▼
Stocks30/36€57k€51k▼
Amounts receivable within one year40/41€146k€82k▼
Trade receivables40€59k€19k▼
Other amounts receivable41€86k€63k▼
Cash at bank and in hand54/58€119k€124k▲
Deferred charges and accrued income490/1€14k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.75M€1.70M▼
Equity10/15€541k€528k▼
Contributions10/11€12k€12k=
Reserves13€456k€444k▼
Tax-exempt reserves132€10k€10k=
Distributable reserves133€446k€434k▼
Profit (loss) carried forward14€73k€72k▼
Amounts payable17/49€1.21M€1.17M▼
Amounts payable after more than one year17€950k€892k▼
Financial debts170/4€950k€892k▼
Amounts payable within one year42/48€223k€231k▲
Current portion of amounts payable after more than one year42€105k€88k▼
Trade debts44€49k€27k▼
Suppliers440/4€49k€27k▼
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€63k€108k▲
Taxes450/3€9k€37k▲
Remuneration and social security454/9€54k€71k▲
Other amounts payable47/48-€7k
Accrued charges and deferred income492/3€33k€51k▲
Income statement
Code20232024
Remuneration, social security and pensions62€427k€461k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€107k€104k▼
Other operating charges640/8€47k€12k▼
Gross operating margin9900€565k€654k▲
Operating profit (loss)9901€-17k€76k▲
Financial income75/76B€343€5k▲
Recurring financial income75€343€5k▲
Financial charges65/66B€32k€41k▲
Recurring financial charges65€32k€41k▲
Profit (loss) for the period before taxes9903€-49k€41k▲
Income taxes67/77€780€8k▲
Profit (loss) for the period9904€-50k€33k▲
Profit (loss) for the period to be appropriated9905€-50k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€73k€106k▲
Profit (loss) brought forward from the previous period14P€123k€73k▼
Transfer from equity791/2€15k€46k▲
Transfer to equity691/2-€33k
To other reserves6921-€33k
Profit to be distributed694/7€15k€47k▲
Return on contributions (dividend)694€15k€47k▲
Social balance
Average headcount (FTE)90876.96.5▼
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
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-50k ▼124%
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €209k ▲157%
Operating result €320k, net result €209k, both a record.
31-12
Financial
Equity above €500kEq €606k ▲52.2%
5 profitable years in a row build equity to €606k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Beveren-Kruibeke-Zwijndrecht · 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.
Rupelmondestraat 809150 Beveren-Kruibeke-ZwijndrechtGround area
1,253 m²
Building footprint
259 m²
Volume, LiDAR
1,719 m³
Parcel 46001B0954/00N000, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Stefan Van Bogaert
since 20112.202.877.621
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46001B0954/00N000 | Flanders | 1,253 m² | 1 · 259 m² | 9.3 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 4,771 EUR awarded · 4,513 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 3,188 EUR | 2,948 EUR |
| 2024 | 1 | 55 EUR | 153 EUR |
| 2023 | 1 | 212 EUR | 148 EUR |
| 2022 | 2 | 1,316 EUR | 1,264 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 4,097 companies in sector 43240 we hold annual accounts for 1,631. 975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2011
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43320Joinery installation
43343Specialised construction activities
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.