Stefano Consulting
ActiveStefano Consulting has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €21k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 45% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+34
Solvency97▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 8.02 in 2024), and 46% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
54%
Return on assets
12.8%
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
86 d early
2023
22 d late
2022
30 d late
2021
31 d late
2020
4 d early
2019
35 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▼ 27.8%
2024 · €123k
2018: €76k
2019: €72k
2020: €84k
2021: €88k
2022: €112k
2023: €107k
2024: €123k
2018 → 2025
Total assets
€164k▲ 18.0%
2024 · €139k
2018: €88k
2019: €82k
2020: €98k
2021: €101k
2022: €137k
2023: €160k
2024: €139k
2018 → 2025
Net result
€21k▲ 29.2%
2024 · €16k
2018: €6k
2019: €-4k
2020: €12k
2021: €5k
2022: €24k
2023: €20k
2024: €16k
2018 → 2025
Working capital
€82k▼ 28.9%
2024 · €115k
2018: €71k
2019: €65k
2020: €77k
2021: €79k
2022: €101k
2023: €101k
2024: €115k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€112k▲ 26.7%€107k▼ 4.5%€123k▲ 15.2%€89k▼ 27.8%
Operating result€9k-€35k▲ 302%€33k▼ 5.8%€24k▼ 29.0%€32k▲ 33.0%
Net result€5k-€24k▲ 399%€20k▼ 15.4%€16k▼ 18.4%€21k▲ 29.2%
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 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164k
Fixed assets
€7k▼ 12.4%
Current assets
€157k▲ 19.9%
Equity and liabilities €164k
Equity
€89k▼ 27.8%
Debt
€76k▲ 363%
The debt ratio rises from 11.7% to 46.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€35k▲
2024 · €27k
Cash flow
€24k▲
2024 · €19k
Solvency
54.0%▼
2024 · 88.3%
Current ratio
2.08▼
2024 · 8.02
Quick ratio
2.08▼
2024 · 8.02
Debt / equity
0.85▲
2024 · 0.13
ROE
23.7%▲
2024 · 13.2%
ROA
12.8%▲
2024 · 11.7%
Interest coverage
290.42▲
2024 · 228.79
Debt
€76k▲
2024 · €16k
Debt ≤ 1 year
€76k▲
2024 · €16k
Income taxes
€10k▲
2024 · €7k
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€139k€164k▲
Fixed assets21/28€8k€7k▼
Tangible fixed assets22/27€8k€7k▼
Land and buildings22€423€318▼
Plant, machinery and equipment23€447€278▼
Furniture and vehicles24€7k€7k▼
Current assets29/58€131k€157k▲
Amounts receivable within one year40/41€76k€72k▼
Trade receivables40€32k€32k▼
Other amounts receivable41€44k€40k▼
Cash at bank and in hand54/58€53k€84k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€139k€164k▲
Equity10/15€123k€89k▼
Contributions10/11€6k€6k=
Reserves13€117k€83k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€115k€81k▼
Amounts payable17/49€16k€76k▲
Amounts payable within one year42/48€16k€76k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€14k€19k▲
Taxes450/3€14k€19k▲
Other amounts payable47/48-€55k
Income statement
Code20242025
Non-recurring operating income76A€7k-
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€449€62▼
Gross operating margin9900€29k€35k▲
Operating profit (loss)9901€24k€32k▲
Financial charges65/66B€117€120▲
Recurring financial charges65€117€120▲
Profit (loss) for the period before taxes9903€24k€31k▲
Income taxes67/77€7k€10k▲
Profit (loss) for the period9904€16k€21k▲
Profit (loss) for the period to be appropriated9905€16k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€21k▲
Transfer from equity791/2-€55k
Transfer to equity691/2€16k€21k▲
To the legal reserve6920€16k-
To other reserves6921-€21k
Profit to be distributed694/7-€55k
Return on contributions (dividend)694-€55k
The notes to these accounts (7 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 8.02
Current ratio from 2.89 to 8.02; short-term debt falls from €53k to €16k.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €24k ▲399%
Operating result €35k, net result €24k, both a record.
31-12
Financial
Equity above €100kEq €112k ▲26.7%
3 profitable years in a row build equity to €112k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-4k ▼164%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 50 days late
2018
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Riemst · 1 establishment unit since 2007
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.
Heukelom-Dorp 51B3770 RiemstGround area
1,854 m²
Building footprint
328 m²
Volume, LiDAR
2,661 m³
2 parcels, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STEFANO CONSULTANCY BVBA
since 20072.168.420.746
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73092B0866/00K000 | Flanders | 1,040 m² | 1 · 235 m² | 10.7 m · 3 fl. |
| 73095B1289/00M000 | Flanders | 814 m² | 1 · 93 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 16,813 companies in sector 62100 we hold annual accounts for 8,747. 6,922 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-11-2007
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
47400Retail sale of information and communication equipment
47410Retail trade
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.