STEFIMMO
ActiveSummary
STEFIMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€87,745) and a net result of -€7,632. Equity is shrinking by ~7% per year across the filed fiscal years. Its solvency ranks better than 5% of 8091 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8091 sector peers (2025).
NBB · sector comparisonPosition among 8091 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
146 d late
2023
61 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
23 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 44 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€87,745▼ 9.5%
2024 · -€80,113
Net result
-€7,632▲ 21.7%
2024 · -€9,744
Total assets
€467,834▼ 6.2%
2024 · €498,844
Solvency
-18.8%▼ 2.7pp
2024 · -16.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€27,311€14,039€29,877▲ 113%-€1,297€434
Net result-€35,700below the sector's middle half▼ 1,163%-€501below the sector's middle half▲ 98.6%€19,305within the sector's middle half-€9,744below the sector's middle half-€7,632below the sector's middle half▲ 21.7%
Equity-€89,173below the sector's middle half▼ 66.8%-€89,673below the sector's middle half▼ 0.6%-€70,368below the sector's middle half▲ 21.5%-€80,113below the sector's middle half▼ 13.8%-€87,745below the sector's middle half▼ 9.5%
Total assets€611,094within the sector's middle half▼ 8.0%€607,686below the sector's middle half▼ 0.6%€518,107below the sector's middle half▼ 14.7%€498,844below the sector's middle half▼ 3.7%€467,834within the sector's middle half▼ 6.2%
Debt€700,266▼ 2.5%€697,359▼ 0.4%€588,476▼ 15.6%€578,957▼ 1.6%€555,579▼ 4.0%
Working capital-€166,867within the sector's middle half▼ 45.3%-€177,555within the sector's middle half▼ 6.4%-€31,542within the sector's middle half▲ 82.2%-€109,587within the sector's middle half▼ 247%-€136,214below the sector's middle half▼ 24.3%
Solvency-14.6%below the sector's middle half▼ 6.5pp-14.8%below the sector's middle half▼ 0.2pp-13.6%below the sector's middle half▲ 1.2pp-16.1%below the sector's middle half▼ 2.5pp-18.8%below the sector's middle half▼ 2.7pp
Current ratio0.19below the sector's middle half▼ 0.140.29below the sector's middle half▲ 0.100.83within the sector's middle half▲ 0.540.60within the sector's middle half▼ 0.230.54below the sector's middle half▼ 0.06
Return on assets (ROA)-5.8%below the sector's middle half▼ 5.4pp-0.1%below the sector's middle half▲ 5.8pp3.7%within the sector's middle half▲ 3.8pp-2.0%below the sector's middle half▼ 5.7pp-1.6%below the sector's middle half▲ 0.3pp
Staff (FTE)0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €434 after a loss of €1,297 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €467,834
Fixed assets
€307,765 ▼ 8.3%
Current assets
€160,069 ▼ 1.9%
Key figures and ratios
Debt ≤ 1 year
€296,283▲
2024 · €272,687
Debt > 1 year
€259,296▼
2024 · €306,269
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €26,906 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36,021 | €36,021 | €27,979 | €27,979 | €27,979 | = |
| Other operating charges640/8 | €1,505 | €583 | €685 | €1,753 | €2,356 | ▲ 34.4% |
| Gross operating margin9900 | €10,215 | €50,643 | €58,541 | €28,434 | €30,769 | ▲ 8.2% |
| Operating profit (loss)9901 | -€27,311 | €14,039 | €29,877 | -€1,297 | €434 | ▲ 133% |
| Financial income75/76B | €569 | €142 | €87 | €200 | €22 | ▼ 88.9% |
| Recurring financial income75 | €569 | €142 | €87 | €200 | €22 | ▼ 88.9% |
| Financial charges65/66B | €8,958 | €14,681 | €10,659 | €8,648 | €8,088 | ▼ 6.5% |
| Recurring financial charges65 | €8,958 | €14,681 | €10,659 | €8,648 | €8,088 | ▼ 6.5% |
| Profit (loss) for the period before taxes9903 | -€35,700 | -€501 | €19,305 | -€9,744 | -€7,632 | ▲ 21.7% |
| Profit (loss) for the period9904 | -€35,700 | -€501 | €19,305 | -€9,744 | -€7,632 | ▲ 21.7% |
| Profit (loss) for the period to be appropriated9905 | -€35,700 | -€501 | €19,305 | -€9,744 | -€7,632 | ▲ 21.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €611,094 | €607,686 | €518,107 | €498,844 | €467,834 | ▼ 6.2% |
| Fixed assets21/28 | €572,049 | €536,028 | €363,722 | €335,744 | €307,765 | ▼ 8.3% |
| Tangible fixed assets22/27 | €572,049 | €536,028 | €363,722 | €335,744 | €307,765 | ▼ 8.3% |
| Land and buildings22 | €571,332 | €535,670 | €363,722 | €335,744 | €307,765 | ▼ 8.3% |
| Plant, machinery and equipment23 | €716 | €358 | €0 | - | - | - |
| Current assets29/58 | €39,045 | €71,658 | €154,385 | €163,100 | €160,069 | ▼ 1.9% |
| Amounts receivable within one year40/41 | €39,045 | €38,043 | €88,372 | €159,034 | €155,876 | ▼ 2.0% |
| Trade receivables40 | €1,000 | €72 | €0 | - | - | - |
| Other amounts receivable41 | €38,045 | €37,971 | €88,372 | €159,034 | €155,876 | ▼ 2.0% |
| Cash at bank and in hand54/58 | - | - | €33,898 | €4,066 | €4,194 | ▲ 3.1% |
| Deferred charges and accrued income490/1 | - | €33,615 | €32,115 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €611,094 | €607,686 | €518,107 | €498,844 | €467,834 | ▼ 6.2% |
| Equity10/15 | -€89,173 | -€89,673 | -€70,368 | -€80,113 | -€87,745 | ▼ 9.5% |
| Contributions10/11 | €35,000 | €35,000 | €35,000 | €35,000 | €35,000 | = |
| Reserves13 | €514 | €514 | €514 | €514 | €514 | = |
| Non-distributable reserves130/1 | €514 | €514 | €514 | €514 | €514 | = |
| Reserves not available under the articles1311 | €514 | €514 | €514 | €514 | - | - |
| Other1319 | - | - | - | - | €514 | - |
| Profit (loss) carried forward14 | -€124,687 | -€125,187 | -€105,882 | -€115,627 | -€123,259 | ▼ 6.6% |
| Amounts payable17/49 | €700,266 | €697,359 | €588,476 | €578,957 | €555,579 | ▼ 4.0% |
| Amounts payable after more than one year17 | €494,355 | €448,146 | €402,548 | €306,269 | €259,296 | ▼ 15.3% |
| Financial debts170/4 | €494,355 | €448,146 | €402,548 | €306,269 | €259,296 | ▼ 15.3% |
| Amounts payable within one year42/48 | €205,912 | €249,213 | €185,927 | €272,687 | €296,283 | ▲ 8.7% |
| Current portion of amounts payable after more than one year42 | €51,037 | €52,613 | €45,598 | €96,279 | €96,973 | ▲ 0.7% |
| Financial debts43 | €16,005 | €57,241 | €11,832 | €6,403 | €14,728 | ▲ 130% |
| Credit institutions430/8 | €16,005 | €57,241 | €11,832 | €6,403 | €14,728 | ▲ 130% |
| Trade debts44 | €2,856 | €1,275 | €3,663 | €2,905 | €1,481 | ▼ 49.0% |
| Suppliers440/4 | €2,856 | €1,275 | €3,663 | €2,905 | €1,481 | ▼ 49.0% |
| Taxes, remuneration and social security45 | €305 | €268 | €0 | - | - | - |
| Taxes450/3 | €268 | €268 | €0 | - | - | - |
| Remuneration and social security454/9 | €37 | €0 | - | - | - | - |
| Other amounts payable47/48 | €135,708 | €137,816 | €124,834 | €167,100 | €183,100 | ▲ 9.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€35,700 | -€501 | €19,305 | -€9,744 | -€7,632 | ▲ 21.7% |
| + Depreciation and write-downs630 | €36,021 | €36,021 | €27,979 | €27,979 | €27,979 | = |
| Operating cash flow (approximation) | €321 | €35,520 | €47,284 | €18,234 | €20,347 | ▲ 11.6% |
| Investment in fixed assets (approximation) | - | €0 | €144,327 | €0 | €0 | - |
| Change in cash | - | - | - | -€29,833 | €128 | ▲ 100% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 146 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Back to profitnet €19,305
Net result €19,305 after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €16,430
Net result €16,430 after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Middelkerke · 1 establishment unit since 2018
Ground area
1.0 ha
Building footprint
460 m²
Volume, LiDAR
2,689 m³
Parcel 35016B0209/00N000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Stefimmo
since 20182.277.192.883
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35016B0209/00N000 | Flanders | 1.0 ha | 1 · 460 m² | 8.6 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.
Similar companies · same sector and region
Altofin
BE 0739.757.533
Middelkerke
ANNIMO
BE 0875.508.340
Middelkerke
Berunosa
BE 0733.783.125
Middelkerke
CINE LIGHT
BE 0432.909.614
Middelkerke
DIRK DE JONGHE
BE 0679.792.232
Middelkerke
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded13-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
E-mail
antonyvuylsteke@hotmail.com
Phone
050212314
E-invoicing
Reachable via Peppol
Peppol ID
0208:0832806168
Also
9925:BE0832806168
Registered
24-03-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.