STEFIMAT
ActiveSTEFIMAT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €203k and a net result of €-9k. Equity is growing by ~27.1% per year across the filed fiscal years. Its solvency ranks better than 94% of 26056 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
70
/ 100
Healthy▼ -23 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 6.02 against 4.57 in 2023), and 9.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
90.7%
Return on assets
-4%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
35 d early
2022
26 d early
2021
18 d early
2020
36 d early
2019
41 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€203k▼ 11.0%
2023 · €227k
2018: €69k
2019: €84k
2020: €109k
2021: €145k
2022: €192k
2023: €227k
2018 → 2024
Total assets
€223k▼ 14.8%
2023 · €262k
2018: €79k
2019: €90k
2020: €123k
2021: €173k
2022: €231k
2023: €262k
2018 → 2024
Net result
€-9k
2023 · €48k
2018: €3k
2019: €15k
2020: €33k
2021: €43k
2022: €59k
2023: €48k
2018 → 2024
Working capital
€102k▼ 14.7%
2023 · €119k
2018: €61k
2019: €72k
2020: €97k
2021: €96k
2022: €86k
2023: €119k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€109k-€145k▲ 33.1%€192k▲ 32.7%€227k▲ 18.5%€203k▼ 11.0%
Operating result€54k-€66k▲ 22.7%€86k▲ 30.3%€70k▼ 18.7%€-7k
Net result€33k-€43k▲ 33.5%€59k▲ 34.7%€48k▼ 18.8%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €7k after €70k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €223k
Fixed assets
€101k▼ 7.5%
Current assets
€122k▼ 20.0%
Equity and liabilities €223k
Equity
€203k▼ 11.0%
Debt
€21k▼ 40.1%
The debt ratio falls from 13.3% to 9.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€21k▼
2023 · €96k
Cash flow
€19k▼
2023 · €73k
Solvency
90.7%▲
2023 · 86.7%
Current ratio
6.02▲
2023 · 4.57
Quick ratio
3.67▼
2023 · 3.76
Debt / equity
0.10▼
2023 · 0.15
ROE
-4.4%▼
2023 · 20.9%
ROA
-4.0%▼
2023 · 18.1%
Interest coverage
7.20▼
2023 · 26.07
Debt
€21k▼
2023 · €35k
Debt ≤ 1 year
€20k▼
2023 · €33k
Income taxes
€256▼
2023 · €19k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€262k€223k▼
Fixed assets21/28€109k€101k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€109k€101k▼
Plant, machinery and equipment23€462€479▲
Furniture and vehicles24€74k€52k▼
Other tangible fixed assets26€35k€49k▲
Financial fixed assets28€195€195=
Current assets29/58€153k€122k▼
Stocks and contracts in progress3€27k€48k▲
Stocks30/36€27k€48k▲
Amounts receivable within one year40/41€22k€21k▼
Trade receivables40€14k€3k▼
Other amounts receivable41€8k€18k▲
Cash at bank and in hand54/58€102k€51k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€262k€223k▼
Equity10/15€227k€203k▼
Contributions10/11€17k€7k▼
Reserves13€210k€202k▼
Distributable reserves133€210k€202k▼
Profit (loss) carried forward14€0€-6k▼
Amounts payable17/49€35k€21k▼
Amounts payable within one year42/48€33k€20k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€24k€13k▼
Taxes450/3€22k€13k▼
Remuneration and social security454/9€2k€0▼
Accrued charges and deferred income492/3€1k€566▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€28k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€97k€22k▼
Operating profit (loss)9901€70k€-7k▼
Financial income75/76B€394€2k▲
Recurring financial income75€394€2k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€66k€-9k▼
Income taxes67/77€19k€256▼
Profit (loss) for the period9904€48k€-9k▼
Profit (loss) for the period to be appropriated9905€48k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€-9k▼
Transfer from equity791/2€12k€8k▼
Transfer to equity691/2€48k€0▼
To other reserves6921€48k€0▼
Profit to be distributed694/7€12k€6k▼
Return on contributions (dividend)694€12k€6k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-9k ▼119%
Net result drops to €-9k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €227k ▲18.5%
6 profitable years in a row build equity to €227k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €59k ▲34.7%
Operating result €86k, net result €59k, both a record.
31-12
Financial
Equity above €150kEq €192k ▲32.7%
5 profitable years in a row build equity to €192k.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €109k ▲29.2%
3 profitable years in a row build equity to €109k.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 15.25
Current ratio from 7.18 to 15.25; short-term debt falls from €10k to €5k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kampenhout · 1 establishment unit since 2003
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.
Tiendeschuurstraat 2051910 KampenhoutGround area
123 m²
Building footprint
125 m²
Volume, LiDAR
777 m³
Parcel 23008D0203/00P000, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tiendeschuurstraat 205, 1910 Kampenhout
since 20032.131.904.206
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23008D0203/00P000 | Flanders | 123 m² | 1 · 124 m² | 11.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKampenhout2.131.904.206
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LA FERME FLEURIE
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SABOOGA
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OUTIJARDIN
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Of 3,374 companies in sector 47761 we hold annual accounts for 1,152. 915 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2003
Fiscal year end31-12
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
70200Business and other management consultancy
70220Business consulting
74142
47910Intermediation services for non-specialised retail
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.