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Stefann

Active Private limited companyfounded 2020active for 6 yearsOverheide 63, 2870 Puurs-Sint-AmandsKBO/BCE: BE 0747.520.008
Stefann
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €49,038 (2024)
€33,072▼ 32.6%
peak €25,699 (2024)
€16,022▼ 37.7%
peak €71,111 (2024)
€57,721▼ 18.8%
€22,149▲ 62.2%
Board2 names since 2020
2 directorsDE BEUL Ann Regina and 1 other
Documentsfilings and deeds
10-06-202651 days before the deadline
2025micro format
Gross margin from €49,038 to €33,072Result from €25,699 to €16,022Dividend €29,412Equity from €71,111 to €57,721Debts from €13,656 to €22,149

Key points

from the 2025 annual accounts

Equity

€57,721 ▼ 18.8%
71,1112024+16,022Profit-29,412Dividend57,7212025

Stefann paid out €29,412 in dividends. That is 184% of the 2025 profit.

Turnover

≈ €130,000 estimated

The micro format states no turnover.

Filings

6 annual accounts 1 late
AprilJune31 JulyOctober202020222024

The 2020 accounts came 3 days late. The other five were filed on time.

Checked score

94
Excellent
Financially stronger than 55% of micro companies in veterinary activities (NACE 75)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: < 0.1% across 1,971 companies (NACE 75, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025highest value 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026

Financial strength
Strong

97-3equity 72.3% of total assets
76+5short-term debt 15.2% · cash 23.6%
94-6return on assets 20.1%

Score breakdown

lowers risk
Sector: Veterinary activities (NACE 75)
Liquidity: current ratio 4.38, cash €18,836
Figures for financial year 2025 (filed on 10-06-2026)
Equity €57,721 (72.3% of total assets)
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 75, micro). It does better than 73% of them on solvency, 65% on liquidity, 65% on profitability and 18% on growth.

The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 26,972 companies had the same profile as Stefann has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of Stefann itself is lower: < 0.1% within 12 months. It rests on far more data about Stefann than the profile alone.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 26,972 companies, not a prediction for Stefann. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €5,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 4.38 (7.5 in 2024), above the usual 1.5. Short-term debt is 15.2% and cash 23.6% of total assets. 27.7% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Sector: Veterinary activities (NACE 75)
KBO
lowers risk · Liquidity: current ratio 4.38, cash €18,836
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 10-06-2026)
NBB · annual accounts
lowers risk · Equity €57,721 (72.3% of total assets)
NBB · annual accounts
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 filings
Deviation from the deadline
2025
51 days early
2024
59 days early
2023
53 days early
2022
46 days early
2021
59 days early
2020
3 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 44 days before the deadline. In the sector (NACE 75), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

DB
DE BEUL Ann Regina
Director, since 20-05-2020
VU
VAN UFFEL Stefan Charles
Director, since 20-05-2020
  • VAN UFFEL Stefan Charles 50 sharesdeed of 25-05-2020
  • DE BEUL Ann Regina 50 sharesdeed of 25-05-2020
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0747520008
Purpose change “Het verlenen van beheersbijstand, raadgevingen in medische, paramedische, veterinaire, paraveterinaire en…” (deed in Dutch) · General meeting of 12-10-2021 · Gazette deed
Incorporation Founding capital of €7,500, 100 shares · Founders: VAN UFFEL Stefan Charles and DE BEUL Ann Regina · Appointments: VAN UFFEL Stefan Charles (director) and DE BEUL Ann Regina (director) · published on 25-05-2020 · Gazette deed
First establishment Overheide 63, Puurs-Sint-Amands
All 12 events

Comparable companies

same main activity, similar in size and age
Company
Stefann Puurs-Sint-Amands €79,870 €33,072 72.3% -
BULLDOG VETERINARY SERVICES Stabroek €73,548 €32,033 69.7% -
SRL Cabinet Vétérinaire Durlet Jean-Philippe Meix-devant-Virton €81,158 €30,354 73.8% -
Veterinaire Dr. Vandenhove Amandine Perwez €86,597 €37,481 36.2% -
Dierenarts Lien Van Huffel Zwalm €88,408 €37,262 67.7% -
DJLS Ham-sur-Heure-Nalinnes €75,101 €29,254 54.0% -
VETOVANDER Gerpinnes €79,752 €38,155 56.3% -

These companies have the same main activity as Stefann: veterinary services (NACE 75000). They are comparable in size and age: total assets between €73,500 and €88,400, founded in 2020.

Official details

Source: KBO
Status
Active since 20-05-2020Normal situation
Activity
Veterinary servicesNACE 75000and 6 others
Establishment unit
2.302.746.2472870 Puurs-Sint-Amands, since 20-05-2020
Financial year end
31 December
Peppol
Reachable since 29-01-2025
Company details

Annual accounts 2025

€33,072▼ 32.6%
€16,022▼ 37.7%
€57,721▼ 18.8%
€79,870▼ 5.8%
Filing
Filed on 10-06-2026, 51 days before the end of the filing period
Financials

Insights on Stefann

Stefann files the micro format. That format states no turnover. The gross margin rose from €9,345 in 2020 to €33,072 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 10-06-2026, 51 days before the deadline
€33,072
▼ 32.6%
€20,958
▼ 39.8%
€16,022
▼ 37.7%
€41,076
▼ 5.0%
72.3%
▼ 11.6 percentage points
4.38
▼ 3.12

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €130,000. Estimated: probably between €80,000 and €240,000.

Balance sheet

balance sheet total €79,870 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

72.3%

Higher than 73% of 1,602 companies in 2025.

4.38

Higher than 77% of 1,593 companies in 2025.

20.1%

Higher than 63% of 1,598 companies in 2025.

Stefann Middle half of the sector 80% of the sector Micro accounts in veterinary activities (NACE 75)

Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 79,87084,76782,79452,12252,11047,724
21/28 26,64534,85948,27213,33621,08726,888
22/27 26,64534,85948,27213,33621,08726,222
23 8021411,0862,0372,9881,323
24 25,84334,71847,18611,29918,09924,899
28 -----666
29/58 53,22549,90834,52238,78631,02320,836
40/41 9,0759,60318,06810,73815,1345,975
40 4,7299,60317,3689,0099,5735,975
41 4,346-6991,7295,561-
50/53 20,00025,000----
54/58 18,83614,56616,24823,00711,76611,128
490/1 5,3147392075,0404,1233,733
Balance sheet: equity and liabilities
10/49 79,87084,76782,79452,12252,11047,724
10/15 57,72171,11145,41223,36814,40711,348
10/11 7,5007,5007,5007,5007,5007,500
13 50,22163,61137,912---
133 50,22163,61137,912---
14 ---15,8686,9073,848
17/49 22,14913,65637,38228,75437,70336,376
17 10,0007,00023,000---
170/4 10,0007,00023,000---
42/48 12,1496,65614,38228,75436,15636,376
43 ----2,512-
430/8 ----2,512-
44 7,7591,6752,4715,0325,2992,782
440/4 7,7591,6752,4715,0325,2992,782
45 3,4364,1781,3832,9173,5044,200
450/3 3,4364,1781,3832,9173,5042,769
454/9 -----1,431
47/48 95480310,52820,80424,84129,394
492/3 ----1,547-
Income statement
76A --891---
9900 33,07249,03837,62621,19212,9259,345
630 11,01213,4136,5807,7517,1023,256
640/8 1,1027851,627572727785
9901 20,95834,84129,41812,8695,0975,304
75/76B 5093222---
75 5093222---
65/66B 72551,388629926
65 72551,388629926
9903 20,74234,86828,05212,8074,9985,279
67/77 4,7209,1696,0093,8461,9391,431
9904 16,02225,69922,0448,9613,0593,848
9905 16,02225,69922,0448,9613,0593,848
Appropriation of the result
9906 16,02225,69937,91215,8686,9073,848
14P --15,8686,9073,848-
791/2 29,412-----
691/2 16,02225,69937,912---
6921 16,02225,69937,912---
694/7 29,412-----
694 29,412-----
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 10-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 10-06-2026 2026-00149847 PDF
31-12-2024 micro format 02-06-2025 2025-00112936 PDF
31-12-2023 micro format 08-06-2024 2024-00116696 PDF
31-12-2022 micro format 15-06-2023 2023-00138585 PDF
31-12-2021 micro format 02-06-2022 2022-20045516 PDF
31-12-2020 micro format 03-08-2021 2021-45900523 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
31,97048,25435,99820,62012,1988,560
27,03339,11228,62316,71210,1617,104
2,797043,34001,96730,144
4,270-1,681-6,76011,242638-
41,07643,25220,14010,032-5,132-15,540
72.3%83.9%54.8%44.8%27.6%23.8%
4.387.502.401.350.860.57
0.380.190.821.232.623.21
27.8%36.1%48.5%38.3%21.2%33.9%
20.1%30.3%26.6%17.2%5.9%8.1%
44.11over 10025.94over 100over 100-

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€2,797-€43,340-€1,967
€11,012€13,413€6,580€7,751€7,102

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on Stefann

The operating result for 2025 is 40% lower than in 2024 and the lowest since 2022.

Debt's share of the balance-sheet total rises from 16.1% to 27.7%. Equity is lower and debt is higher.

Board & ownership

Board

2 directors, since incorporation
DE BEUL Ann Regina
Director (not named in the articles)
since 20-05-2020
listed in the 2025 annual accounts, filed on 10-06-2026
VAN UFFEL Stefan Charles
Director (not named in the articles)
since 20-05-2020
listed in the 2025 annual accounts, filed on 10-06-2026

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today
DE BEUL Ann Regina
Director (not named in the articles)
VAN UFFEL Stefan Charles
Director (not named in the articles)
Board
Mandates as a list
  • DE BEUL Ann Regina
    • Director (not named in the articles), from 20-05-2020 to date
  • VAN UFFEL Stefan Charles
    • Director (not named in the articles), from 20-05-2020 to date

See the board, name and registered office on a given date →

Control

Founders
VAN UFFEL Stefan Charles, DE BEUL Ann Regina
This company
Stefann
Equity €57,721
Profit €16,022 in 2025

Capital

Contribution
€7,500
Shares
100
Contribution per share
€75
Equity per share
€577 in 2025
Source
deed of 25-05-2020

Articles of association

deed of 25-05-2020 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Elke overdracht onder levenden en elke overgang wegens overlijden goedgekeurd door Gewestelijke Raad van Orde van Dierenartsen, modaliteiten…”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of May at 16:00

Shareholders

At incorporation deed of 25-05-2020 ↗

Network & group

No group

Stefann has no parent and no holdings in its annual accounts.

Connections & network

1 connected company
Depth

The connected companies are in the list below.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
STEEN
via Ann De Beul · Director · deed of 01-06-2026
Founded in 2007
→

Timeline

Timeline

12 events since 2020

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed PDFmicro format · 51 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 59 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0747520008
2024
Highest result from 2020 to 2025 net €25,699 ▲16.6% The operating result of €34,841 and the net result of €25,699 are both a record.
Liquidity more than triples current ratio 7.50 The current ratio rises from 2.40 to 7.50. Short-term debt falls from €14,382 to €6,656.
Annual accounts 2023 filed PDFmicro format · 53 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 46 days before the deadline
2022
Annual accounts 2021 filed PDFmicro format · 59 days before the deadline
2021
Purpose change“Het verlenen van beheersbijstand, raadgevingen in medische, paramedische, veterinaire, paraveterinaire en…” (deed in Dutch) · General meeting of 12-10-20213 points ▸
  • General meeting, 12-10-2021
  • Purpose change, “Het verlenen van beheersbijstand, raadgevingen in medische, paramedische, veterinaire, paraveterinaire en farmaceutische sector dit alles op onafhankelijke…” (deed in Dutch)
  • Power of attorney, Verhaegen-Eekhaut-Verlinden
  • The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

Annual accounts 2020 filed PDFmicro format · 3 days late
2020
IncorporationFounding capital of €7,500, 100 shares · Founders: VAN UFFEL Stefan Charles and DE BEUL Ann Regina · Appointments: VAN UFFEL Stefan Charles (director) and DE BEUL Ann Regina (director) · published on 25-05-20206 points ▸

Open the deed in the Belgian Official Gazette

First establishment Overheide 63, Puurs-Sint-Amands

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

Stefann was incorporated on 20 May 2020 as a private limited company by two natural persons, with a starting capital of €7,500.12 The board currently has 2 members, 2 of whom have served since 2020.3 Total assets rose from €47,724 in 2020 to €79,870 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 25-05-2020
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0747.520.008
VAT number
BE 0747.520.008
Peppol ID
0208:0747520008
Other Peppol ID
9925:BE0747520008
Legal form
Private limited company
Status
Active, normal situation
Founded
20-05-2020
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of May at 16:00
deed of 25-05-2020 (in Dutch)
Peppol
Reachable since 29-01-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
Stefann in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 25-05-2020 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 25-05-2020 (in Dutch)

Activities

NACEBEL 2025
75000 Veterinary services main activity
43211 General electrical installation work
43331 Floor and wall tiling
43341 Painting of buildings
77225 Rental and leasing activities
81300 Landscape service activities
82990 Other business support services
Codes under NACEBEL 2008
75000 Veterinary services main activity
43211 Specialised construction activities
43331 Floor and wall tiling
43341 Painting of buildings
77295 Rental and leasing activities
81300 Landscape service activities
82990 Other business support services
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het beoefenen van de diergeneeskunde in al zijn facetten volgens de wettelijke voorschriften en volgens de bepalingen van de Code der…”
7 activities
  1. Het beoefenen van de diergeneeskunde in al zijn facetten volgens de wettelijke voorschriften en volgens de bepalingen van de Code der Plichtenleer van de Orde van Dierenartsen
  2. Het uitvoeren van prestaties in de veterinaire diensten
  3. Het uitvoeren van prestaties in de klinische biologie
  4. Het uitbouwen van een eerstelijnspraktijk,diagnose,behandeling en eventuele chirurgie
  5. Het beheer van vennootschappen met als uitsluitend voorwerp,de hiervoor vermelde activiteiten
  6. Het verstrekken van adviezen,consulting op diergeneeskundig vlak
  7. De aankoop,huur en invoer van alle apparatuur en begeleidende accommodaties voor de eigen praktijk
deed of 25-05-2020 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Overheide 63 registered office 2870 Puurs-Sint-Amands 20-05-2020 2.302.746.247

Buildings and parcels at the address

Ground area
1,442 m²
Buildings
146 m²
Volume, LiDAR
852 m³
Tallest building
9.9 m
Buildings to scale, each on its own parcel
146 m², 9.9 m 146 m², 9.9 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
12030A0306/00R0001,442 m² 1 · 146 m² 9.9 m · 2

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0747.520.008

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