Equity
€459,751 ▲ 5.9%
STEFFECTIVE has made a profit in every financial year since 2016.
STEFFECTIVE
Lifetime
10 annual accounts with figures on one time axispeak €138,010 (2024)
€85,602▼ 38.0%
peak €96,031 (2023)
€41,575▼ 53.1%
peak €459,751 (2025)
€459,751▲ 5.9%
€75,994▼ 15.8%
Board1 name since 2016
1 directorSTASSIJNS Stefan
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Gross margin from €138,010 to €85,602Result from €88,684 to €41,575Dividend €15,784Debts from €90,217 to €75,994Cash from €92,717 to €216,195
Key points
from the 2025 annual accountsFilings
10 annual accounts 1 late
The 2016 accounts came 8 days late. The other nine were filed on time.
Position in the sector
€459,751
More equity than 91% of companies in advertising and market research. Sector median €58,793 · 8,621 companies.
Checked score
97
Excellent
Financially stronger than 73% of micro companies in advertising and market research (NACE 73)
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: 0.2% across 11,230 companies (NACE 73, 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 04-2025highest value
06-2025: < 0.1%▼ -0.1 percentage points vs 05-2025
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%▲ +0.1 percentage points 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 06-2026
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Profit of €41,575 (financial year 2025)
lowers risk
Liquidity: current ratio 10.17, cash €216,195
Equity €459,751 (85.8% of total assets)
Figures for financial year 2025 (filed on 01-08-2026)
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 73, micro). It does better than 87% of them on solvency, 97% on liquidity, 52% on profitability and 55% 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, 17,811 companies had the same profile as STEFFECTIVE has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of STEFFECTIVE itself: < 0.1% within 12 months.
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.
| 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 17,811 companies, not a prediction for STEFFECTIVE. 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 €40,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 10.17 (10.28 in 2024), above the usual 1.5. Short-term debt is 8.5% and cash 40.4% of total assets. 14.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
69 days early
2023
99 days early
2022
26 days early
2021
6 days early
2020
15 days early
2019
28 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 35 days before the deadline. In the sector (NACE 73), 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 5 July (4 of the last 5 accounts filed within 43 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0645698415
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
Change of role: STASSIJNS Stefan, from manager to director · “Onderzoek naar de omvang van de markt voor bepaalde producten, de ontvangst en de bekendheid van producten en…” (deed in Dutch) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 13-01-2021 · Gazette deed
Incorporation
published on 11-01-2016 · Gazette deed
First establishment
Sepulkrijnenlaan 73, Hasselt
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEFFECTIVE Hasselt | €535,745 | €85,602 | 85.8% | - |
| Greif Aalter | €507,063 | €46,982 | 60.4% | 0 |
| 3D CAD Seneffe | €567,958 | €44,466 | 4.7% | - |
| SUPPORT IN SAFETY PREVENTION AND ENGINEERING FOR READY MIXED CONCRETE Hasselt | €781,550 | €126,736 | 91.9% | - |
| MION Leuven | €315,192 | €95,024 | 26.3% | - |
| Jeff Maes Balen | €309,016 | €104,219 | 81.5% | - |
| DeLGr Ghent | €962,617 | €55,583 | 29.0% | - |
These companies have the same main activity as STEFFECTIVE: market research and public opinion polling (NACE 73200). They are comparable in size and age: total assets between €309,000 and €963,000, founded between 2014 and 2017.
Official details
Source: KBO- Status
- Active since 07-01-2016Normal situation
- Activity
- Market research and public opinion pollingNACE 73200
- Establishment unit
- 2.248.906.6933500 Hasselt, since 07-01-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 18-07-2024
Annual accounts 2025
- ≈ €180,000estimated
- €535,745▲ 2.2%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on STEFFECTIVE
STEFFECTIVE files the micro format. That format states no turnover. The gross margin rose from €26,305 in 2016 to €85,602 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STEFFECTIVE
- What is the company number of STEFFECTIVE?
- The company number of STEFFECTIVE is 0645.698.415. The VAT number is the same number with BE in front: BE 0645.698.415.
- Where is STEFFECTIVE based?
- The registered office is at Sepulkrijnenlaan 73, 3500 Hasselt.Company details
- What does STEFFECTIVE do?
- According to the KBO register, the main activity is market research and public opinion polling (NACE 73200).
- What is the legal form of STEFFECTIVE?
- STEFFECTIVE is a private limited company (BV).
- When was STEFFECTIVE founded?
- STEFFECTIVE was founded on 07-01-2016.
- Is STEFFECTIVE still active?
- Yes, STEFFECTIVE is an active enterprise in the KBO register.
- What is the turnover of STEFFECTIVE?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €85,602 and 30 comparable companies (NACE 73). It probably lies between €160,000 and €240,000.Financials
- Is STEFFECTIVE profitable?
- In financial year 2025, STEFFECTIVE made a profit of €41,575.
- Where can I find the annual accounts of STEFFECTIVE?
- STEFFECTIVE filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEFFECTIVE due?
- STEFFECTIVE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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