Stefann
ActiveSummary
Stefann has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57,721 and a net result of €16,022. Equity is growing by ~56.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 1280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability94▼-6
Solvency97▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 4.38 against 7.5 in 2024; short-term debt: 15.2% and cash: 23.6% of total assets), and 27.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 75
Relative position
BE, all sectors
reference
Veterinary activities (NACE 75)
about 90% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
72.3%
Return on assets
20.1%
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 10-06-2026, 51 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
51 d early
2024
59 d early
2023
53 d early
2022
46 d early
2021
59 d early
2020
3 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 44 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 35% of the sector filed late.
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€57,721▼ 18.8%
2024 · €71,111
Total assets
€79,870▼ 5.8%
2024 · €84,767
Net result
€16,022▼ 37.7%
2024 · €25,699
Working capital
€41,076▼ 5.0%
2024 · €43,252
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€5,097▼ 3.9%€12,869▲ 152%€29,418▲ 129%€34,841▲ 18.4%€20,958▼ 39.8%
Net result€3,059▼ 20.5%€8,961▲ 193%€22,044▲ 146%€25,699▲ 16.6%€16,022▼ 37.7%
Equity€14,407▲ 27.0%€23,368▲ 62.2%€45,412▲ 94.3%€71,111▲ 56.6%€57,721▼ 18.8%
Total assets€52,110▲ 9.2%€52,122=€82,794▲ 58.8%€84,767▲ 2.4%€79,870▼ 5.8%
Debt€37,703▲ 3.6%€28,754▼ 23.7%€37,382▲ 30.0%€13,656▼ 63.5%€22,149▲ 62.2%
Working capital-€5,132▲ 67.0%€10,032€20,140▲ 101%€43,252▲ 115%€41,076▼ 5.0%
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 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79,870
Fixed assets
€26,645 ▼ 23.6%
Current assets
€53,225 ▲ 6.6%
Equity and liabilities €79,870
Equity
€57,721 ▼ 18.8%
Debt
€22,149 ▲ 62.2%
Debt's share of the balance-sheet total rises from 16.1% to 27.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€31,970▼
2024 · €48,254
Cash flow
€27,033▼
2024 · €39,112
Current ratio
4.38▼
2024 · 7.50
Debt to equity
0.38▲
2024 · 0.19
ROE
27.8%▼
2024 · 36.1%
ROA
20.1%▼
2024 · 30.3%
Interest coverage
44.11▼
2024 · 10723.04
Debt ≤ 1 year
€12,149▲
2024 · €6,656
Debt > 1 year
€10,000▲
2024 · €7,000
Income taxes
€4,720▼
2024 · €9,169
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €891 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,102 | €7,751 | €6,580 | €13,413 | €11,012 | ▼ 17.9% |
| Other operating charges640/8 | €727 | €572 | €1,627 | €785 | €1,102 | ▲ 40.4% |
| Gross operating margin9900 | €12,925 | €21,192 | €37,626 | €49,038 | €33,072 | ▼ 32.6% |
| Operating profit (loss)9901 | €5,097 | €12,869 | €29,418 | €34,841 | €20,958 | ▼ 39.8% |
| Financial income75/76B | - | - | €22 | €32 | €509 | ▲ 1,481% |
| Recurring financial income75 | - | - | €22 | €32 | €509 | ▲ 1,481% |
| Financial charges65/66B | €99 | €62 | €1,388 | €5 | €725 | ▲ 16,007% |
| Recurring financial charges65 | €99 | €62 | €1,388 | €5 | €725 | ▲ 16,007% |
| Profit (loss) for the period before taxes9903 | €4,998 | €12,807 | €28,052 | €34,868 | €20,742 | ▼ 40.5% |
| Income taxes67/77 | €1,939 | €3,846 | €6,009 | €9,169 | €4,720 | ▼ 48.5% |
| Profit (loss) for the period9904 | €3,059 | €8,961 | €22,044 | €25,699 | €16,022 | ▼ 37.7% |
| Profit (loss) for the period to be appropriated9905 | €3,059 | €8,961 | €22,044 | €25,699 | €16,022 | ▼ 37.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €52,110 | €52,122 | €82,794 | €84,767 | €79,870 | ▼ 5.8% |
| Fixed assets21/28 | €21,087 | €13,336 | €48,272 | €34,859 | €26,645 | ▼ 23.6% |
| Tangible fixed assets22/27 | €21,087 | €13,336 | €48,272 | €34,859 | €26,645 | ▼ 23.6% |
| Plant, machinery and equipment23 | €2,988 | €2,037 | €1,086 | €141 | €802 | ▲ 469% |
| Furniture and vehicles24 | €18,099 | €11,299 | €47,186 | €34,718 | €25,843 | ▼ 25.6% |
| Current assets29/58 | €31,023 | €38,786 | €34,522 | €49,908 | €53,225 | ▲ 6.6% |
| Amounts receivable within one year40/41 | €15,134 | €10,738 | €18,068 | €9,603 | €9,075 | ▼ 5.5% |
| Trade receivables40 | €9,573 | €9,009 | €17,368 | €9,603 | €4,729 | ▼ 50.8% |
| Other amounts receivable41 | €5,561 | €1,729 | €699 | - | €4,346 | - |
| Current investments50/53 | - | - | - | €25,000 | €20,000 | ▼ 20.0% |
| Cash at bank and in hand54/58 | €11,766 | €23,007 | €16,248 | €14,566 | €18,836 | ▲ 29.3% |
| Deferred charges and accrued income490/1 | €4,123 | €5,040 | €207 | €739 | €5,314 | ▲ 619% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €52,110 | €52,122 | €82,794 | €84,767 | €79,870 | ▼ 5.8% |
| Equity10/15 | €14,407 | €23,368 | €45,412 | €71,111 | €57,721 | ▼ 18.8% |
| Contributions10/11 | €7,500 | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Reserves13 | - | - | €37,912 | €63,611 | €50,221 | ▼ 21.0% |
| Distributable reserves133 | - | - | €37,912 | €63,611 | €50,221 | ▼ 21.0% |
| Profit (loss) carried forward14 | €6,907 | €15,868 | - | - | - | - |
| Amounts payable17/49 | €37,703 | €28,754 | €37,382 | €13,656 | €22,149 | ▲ 62.2% |
| Amounts payable after more than one year17 | - | - | €23,000 | €7,000 | €10,000 | ▲ 42.9% |
| Financial debts170/4 | - | - | €23,000 | €7,000 | €10,000 | ▲ 42.9% |
| Amounts payable within one year42/48 | €36,156 | €28,754 | €14,382 | €6,656 | €12,149 | ▲ 82.5% |
| Financial debts43 | €2,512 | - | - | - | - | - |
| Credit institutions430/8 | €2,512 | - | - | - | - | - |
| Trade debts44 | €5,299 | €5,032 | €2,471 | €1,675 | €7,759 | ▲ 363% |
| Suppliers440/4 | €5,299 | €5,032 | €2,471 | €1,675 | €7,759 | ▲ 363% |
| Taxes, remuneration and social security45 | €3,504 | €2,917 | €1,383 | €4,178 | €3,436 | ▼ 17.8% |
| Taxes450/3 | €3,504 | €2,917 | €1,383 | €4,178 | €3,436 | ▼ 17.8% |
| Other amounts payable47/48 | €24,841 | €20,804 | €10,528 | €803 | €954 | ▲ 18.8% |
| Accrued charges and deferred income492/3 | €1,547 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,059 | €8,961 | €22,044 | €25,699 | €16,022 | ▼ 37.7% |
| + Depreciation and write-downs630 | €7,102 | €7,751 | €6,580 | €13,413 | €11,012 | ▼ 17.9% |
| Operating cash flow (approximation) | €10,161 | €16,712 | €28,623 | €39,112 | €27,033 | ▼ 30.9% |
| Investment in fixed assets (approximation) | - | €0 | -€41,516 | €0 | -€2,797 | - |
| Change in cash | - | €11,242 | -€6,760 | -€1,681 | €4,270 | ▲ 354% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €25,699 ▲16.6%
Operating result €34,841, net result €25,699, both a record.
31-12
Financial
Liquidity triplescurrent ratio 7.50
Current ratio from 2.40 to 7.50; short-term debt falls from €14,382 to €6,656.
08-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €3,059 ▼20.5%
Net result drops to €3,059, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Puurs-Sint-Amands · 1 establishment unit since 2020
Ground area
1,442 m²
Building footprint
146 m²
Volume, LiDAR
852 m³
Parcel 12030A0306/00R000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stefann
since 20202.302.746.247
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12030A0306/00R000 | Flanders | 1,442 m² | 1 · 146 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 6,091 companies in sector 75000 we hold annual accounts for 1,952. 1,676 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
75000Veterinary services
43211General electrical installation work
43331Floor and wall tiling
43341Painting of buildings
77225Rental and leasing activities
81300Landscape service activities
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.