STEFANI ARMURY
ActiveSummary
STEFANI ARMURY has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €17k. Equity is growing by ~37% per year across the filed fiscal years. Its solvency ranks better than 65% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+35
Solvency76▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.87 against 3.05 in 2024; short-term debt: 34.8% and cash: 0.5% of total assets), and 48.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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
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
51.2%
Return on assets
17.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
58 d early
2023
61 d early
2022
31 d early
2021
30 d late
2020
30 d late
2019
3 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 13.0%
2024 · €44k
2018: €-45k
2019: €-21k
2020: €-1k
2021: €17k
2022: €33k
2023: €42k
2024: €44k
2018 → 2025
Total assets
€97k▼ 5.9%
2024 · €103k
2018: €112k
2019: €120k
2020: €110k
2021: €107k
2022: €104k
2023: €101k
2024: €103k
2018 → 2025
Net result
€17k▲ 683%
2024 · €2k
2018: €19k
2019: €24k
2020: €20k
2021: €18k
2022: €17k
2023: €8k
2024: €2k
2018 → 2025
Working capital
€63k▼ 8.4%
2024 · €69k
2018: €51k
2019: €75k
2020: €86k
2021: €77k
2022: €69k
2023: €63k
2024: €69k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€33k▲ 99.4%€42k▲ 25.4%€44k▲ 5.3%€50k▲ 13.0%
Operating result€23k-€20k▼ 15.4%€15k▼ 23.2%€5k▼ 65.3%€26k▲ 401%
Net result€18k-€17k▼ 6.6%€8k▼ 49.0%€2k▼ 74.0%€17k▲ 683%
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 401% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€320 ▼ 64.9%
Current assets
€97k ▼ 5.3%
Equity and liabilities €97k
Equity
€50k ▲ 13.0%
Debt
€47k ▼ 19.9%
Debt's share of the balance-sheet total falls from 57.4% to 48.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €7k
Cash flow
€18k▲
2024 · €4k
Current ratio
2.87▼
2024 · 3.05
Quick ratio
0.26▲
2024 · 0.18
Debt to equity
0.95▼
2024 · 1.35
ROE
34.7%▲
2024 · 5.0%
ROA
17.7%▲
2024 · 2.1%
Interest coverage
12.99▲
2024 · 4.19
Debt ≤ 1 year
€34k▲
2024 · €34k
Debt > 1 year
€14k▼
2024 · €25k
Income taxes
€7k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€103k€97k▼
Fixed assets21/28€913€320▼
Tangible fixed assets22/27€893€300▼
Land and buildings22€502€300▼
Plant, machinery and equipment23€147-
Furniture and vehicles24€245-
Financial fixed assets28€20€20=
Current assets29/58€102k€97k▼
Stocks and contracts in progress3€96k€88k▼
Stocks30/36€96k€88k▼
Amounts receivable within one year40/41€5k€8k▲
Trade receivables40€5k€8k▲
Other amounts receivable41€491-
Cash at bank and in hand54/58€453€452▼
Deferred charges and accrued income490/1€11-
Equity and liabilities
Total equity and liabilities10/49€103k€97k▼
Equity10/15€44k€50k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€25k€31k▲
Amounts payable17/49€59k€47k▼
Amounts payable after more than one year17€25k€14k▼
Financial debts170/4€9k€7k▼
Other amounts payable178/9€16k€7k▼
Amounts payable within one year42/48€34k€34k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€10k▲
Other amounts payable47/48€20k€19k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€593▼
Other operating charges640/8€538€300▼
Gross operating margin9900€7k€27k▲
Operating profit (loss)9901€5k€26k▲
Financial income75/76B€10€3▼
Recurring financial income75€10€3▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€4k€24k▲
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€2k€17k▲
Profit (loss) for the period to be appropriated9905€2k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€43k▲
Profit (loss) brought forward from the previous period14P€23k€25k▲
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (6 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
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €2k ▼74%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-12
Financial
Highest result since 2018net €24k ▲29.1%
Net result €24k, the highest in the series.
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 50 days late
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 139 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 52 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, Fontaine-l'Evêque · 1 establishment unit since 2009
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.
Place de Wespes(LEE) 196142 Fontaine-l'EvêqueGround area
1,297 m²
Building footprint
111 m²
Volume, LiDAR
1,046 m³
Parcel 52038B0041/00E000, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STEFANI ARMURY
since 20092.183.245.514
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52038B0041/00E000 | Wallonia | 1,297 m² | 1 · 111 m² | 11.0 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.
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Of 127 companies in sector 47631 we hold annual accounts for 71. 47 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2009
Fiscal year end31-12
Activities, NACEBEL 2025
47631Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.