Stefco FS
ActiveSummary
Stefco FS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124k and a net result of €45k. Equity is growing by ~55.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 6.01 against 4.55 in 2024; short-term debt: 16.4% and cash: 18.1% of total assets), and 16.4% of the assets are financed with debt.
Credit check for your own amount and term
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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% 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
83.6%
Return on assets
30.6%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 d early
2024
21 d early
2023
17 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€124k▲ 57.8%
2024 · €79k
Total assets
€148k▲ 47.3%
2024 · €101k
Net result
€45k▲ 9.5%
2024 · €42k
Working capital
€122k▲ 55.4%
2024 · €79k
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
Line202320242025
Operating result€51k-€57k▲ 11.7%€63k▲ 8.9%
Net result€37k-€42k▲ 11.9%€45k▲ 9.5%
Equity€37k-€79k▲ 112%€124k▲ 57.8%
Total assets€53k-€101k▲ 90.9%€148k▲ 47.3%
Debt€16k-€22k▲ 41.3%€24k▲ 10.2%
Working capital€37k-€79k▲ 112%€122k▲ 55.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€2k
Current assets
€147k
Equity and liabilities €148k
Equity
€124k ▲ 57.8%
Debt
€24k ▲ 10.2%
Debt's share of the balance-sheet total falls from 22.0% to 16.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€63k
Cash flow
€46k
Current ratio
6.01▲
2024 · 4.55
Debt to equity
0.20▼
2024 · 0.28
ROE
36.6%▼
2024 · 52.8%
ROA
30.6%▼
2024 · 41.2%
Interest coverage
881.40
Debt ≤ 1 year
€24k▲
2024 · €22k
Income taxes
€17k▲
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €953 | - |
| Other operating charges640/8 | €249 | €558 | €678 | ▲ 21.5% |
| Gross operating margin9900 | €52k | €58k | €64k | ▲ 10.7% |
| Operating profit (loss)9901 | €51k | €57k | €63k | ▲ 8.9% |
| Financial income75/76B | - | €97 | €384 | ▲ 296% |
| Recurring financial income75 | - | €97 | €384 | ▲ 296% |
| Financial charges65/66B | €55 | €67 | €72 | ▲ 7.5% |
| Recurring financial charges65 | €55 | €67 | €72 | ▲ 7.5% |
| Profit (loss) for the period before taxes9903 | €51k | €57k | €63k | ▲ 9.4% |
| Income taxes67/77 | €14k | €16k | €17k | ▲ 9.1% |
| Profit (loss) for the period9904 | €37k | €42k | €45k | ▲ 9.5% |
| Profit (loss) for the period to be appropriated9905 | €37k | €42k | €45k | ▲ 9.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €53k | €101k | €148k | ▲ 47.3% |
| Fixed assets21/28 | - | - | €2k | - |
| Tangible fixed assets22/27 | - | - | €2k | - |
| Furniture and vehicles24 | - | - | €2k | - |
| Current assets29/58 | €53k | €101k | €147k | ▲ 45.4% |
| Current investments50/53 | - | €60k | €120k | ▲ 99.2% |
| Cash at bank and in hand54/58 | €53k | €41k | €27k | ▼ 34.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €53k | €101k | €148k | ▲ 47.3% |
| Equity10/15 | €37k | €79k | €124k | ▲ 57.8% |
| Reserves13 | €37k | €79k | €124k | ▲ 57.8% |
| Distributable reserves133 | €37k | €79k | €124k | ▲ 57.8% |
| Amounts payable17/49 | €16k | €22k | €24k | ▲ 10.2% |
| Amounts payable within one year42/48 | €16k | €22k | €24k | ▲ 10.2% |
| Trade debts44 | €1k | €5k | €5k | ▲ 5.9% |
| Suppliers440/4 | €1k | €5k | €5k | ▲ 5.9% |
| Taxes, remuneration and social security45 | €12k | €12k | €13k | ▲ 6.9% |
| Taxes450/3 | €12k | €12k | €13k | ▲ 6.9% |
| Other amounts payable47/48 | €3k | €5k | €6k | ▲ 22.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €37k | €42k | €45k | ▲ 9.5% |
| + Depreciation and write-downs630 | - | - | €953 | - |
| Operating cash flow (approximation) | €37k | €42k | €46k | ▲ 11.8% |
| Change in cash | - | €-12k | €-14k | ▼ 14.2% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €45k ▲9.5%
Operating result €63k, net result €45k, both a record.
31-12
Financial
Equity above €100kEq €124k ▲57.8%
3 profitable years in a row build equity to €124k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Waasmunster · 1 establishment unit since 2023
Ground area
143 m²
Building footprint
143 m²
Volume, LiDAR
728 m³
Parcel 42023B1281/00C000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stefco FS
since 20232.343.453.979
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023B1281/00C000 | Flanders | 143 m² | 1 · 143 m² | 8.1 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 82,632 companies in sector 70200 we hold annual accounts for 52,575. 40,851 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
Founded05-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.