Stefania
ActiveThe computed 12-month bankruptcy probability of Stefania is 3.9% (moderate). The 2025 annual accounts show equity of €29k and a net result of €32k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 59% of 27711 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency80▲+67
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 0.83 in 2024; short-term debt: 44.6% and cash: 11.1% of total assets), and 44.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
55.4%
Return on assets
60.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
223 d late
2023
34 d early
2022
114 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€32k
2024 · €-13k
2022: €5k
2023: €-1k
2024: €-13k
2022 → 2025
Working capital
€29k
2024 · €-4k
2022: €7k
2023: €7k
2024: €-4k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€12k-€10k▼ 11.4%€-3k€29k
Operating result€5k-€-1k€-12k▼ 993%€32k
Net result€5k-€-1k€-13k▼ 874%€32k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €32k after a loss of €12k in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €53k
Equity
€29k
Debt
€23k
Debt finances 44.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€33k▲
2024 · €-10k
Cash flow
€33k▲
2024 · €-11k
Solvency
55.4%▲
2024 · -12.2%
Current ratio
2.24▲
2024 · 0.83
Quick ratio
2.07▲
2024 · 0.66
Debt / equity
0.81▲
2024 · -9.19
ROE
108.9%
ROA
60.3%▲
2024 · -60.4%
Interest coverage
141.55▲
2024 · -39.44
Debt
€23k▼
2024 · €24k
Debt ≤ 1 year
€23k▼
2024 · €24k
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€21k€53k▲
Formation expenses20-€0
Fixed assets21/28€1k€0▼
Intangible fixed assets21€640-
Tangible fixed assets22/27€812€0▼
Plant, machinery and equipment23€417-
Furniture and vehicles24-€0
Other tangible fixed assets26€396€0▼
Current assets29/58€20k€53k▲
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€13k€43k▲
Trade receivables40€11k€39k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€21k€53k▲
Equity10/15€-3k€29k▲
Contributions10/11€7k€7k=
Profit (loss) carried forward14€-9k€23k▲
Amounts payable17/49€24k€23k▼
Amounts payable within one year42/48€24k€23k▼
Trade debts44€10k€9k▼
Suppliers440/4€10k€9k▼
Taxes, remuneration and social security45€14k€15k▲
Taxes450/3€12k€13k▲
Remuneration and social security454/9€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€3k-
Gross operating margin9900€-7k€33k▲
Operating profit (loss)9901€-12k€32k▲
Financial income75/76B€57€0▼
Recurring financial income75€57€0▼
Financial charges65/66B€257€236▼
Recurring financial charges65€257€236▼
Profit (loss) for the period before taxes9903€-12k€32k▲
Income taxes67/77€1k-
Profit (loss) for the period9904€-13k€32k▲
Profit (loss) for the period to be appropriated9905€-13k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€23k▲
Profit (loss) brought forward from the previous period14P€4k€-9k▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 223 days late
2025
31-12
Financial
Back to profitnet €32k
Net result €32k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.24
Current ratio from 0.83 to 2.24; short-term debt falls from €24k to €23k.
2024
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 114 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Anderlecht · 1 establishment unit since 2023
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.
Limbourglaan 551070 AnderlechtGround area
151 m²
Building footprint
78 m²
Volume, LiDAR
1,045 m³
Parcel 21308H0508/00Y004, Brussels · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Stefania
since 20232.348.540.046
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0508/00Y004 | Brussels | 151 m² | 1 · 77 m² | 16.7 m · 5 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
D'Rénov
BE 0786.239.438
Chaumont-Gistoux · Eq €29k
DSG-Estates
BE 1020.134.647
Kinrooi · Eq €29k
MS CONSTRUCTION GROUP
BE 1019.811.676
Sint-Niklaas · Eq €29k
Deweerdt Grondwerken
BE 0801.379.752
Oostrozebeke · Eq €29k
JB Terrassements
BE 0767.688.583
Blégny · Eq €29k
Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,205 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2022
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
96021Hairdressing
96210Hairdressing and barber services
41001General construction of residential buildings
43130Specialised construction activities
43230Insulation installation
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.