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Generated 19-07-2026
Active BE 0735.372.737Private limited company

STEFKER

Haltstraat 50 ·3900 Pelt, Belgium· 6 yrs active
Sector: Financial services (64210)
Conclusion Checked

STEFKER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €34k and a net result of €59k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 19% of 3135 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €34k
Net result €59k
Better than sector 19%
Active 6 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency25Growth78Stability100
61 / 100

Strong profile, led by profitability.

Health 0
Profitability 100
Solvency 25
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health 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.
Financial overview5 NBB filings
Annual accounts filed on 24-06-2025 with the NBB · fiscal year 2024 · micro
€0€50k€100kOperating result 2020: €20k€20kNet result 2020: €11k€11kOperating result 2021: €33k€33kNet result 2021: €20k€20kOperating result 2022: €59k€59kNet result 2022: €43k€43kOperating result 2023: €122k€122kNet result 2023: €92k€92kOperating result 2024: €85k€85kNet result 2024: €59k€59k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~7%/year over 5 fiscal years, indicative, assuming unchanged policy.
€0€20k€40k€60k€80k2025: €39k (€31k - €48k)2026: €42k (€28k - €56k)2027: €44k (€25k - €63k)2020: €15k2021: €34k2022: €77k2023: €34k2024: €34k20202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 12.2% 52.4%
better than 19% of 3135 sector peers
Net result €59k €32k
better than 68% of 3131 sector peers
Equity €34k €75k
better than 31% of 3136 sector peers
Gross operating margin €103k €52k
better than 74% of 3128 sector peers
Total assets €282k €191k
better than 62% of 3137 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€59k
-36.5% far above sector median
Total assets
€282k
-23.0% -38% vs sector
Equity
€34k
0.0% -86% vs sector
Income taxes
€23k
-16.4% far above sector median
Dividends
€59k
-56.6% far above sector median
Debt
€248k
-25.3% far above sector median
Debt ≤ 1y
€82k
-47.5% far above sector median
Debt > 1y
€166k
-5.9% +84% vs sector
Solvency
12.2%
+29.8% -86% vs sector
ROE
170.6%
-36.5% far above sector median
ROA
20.8%
-17.6% far above sector median
Figures by fiscal year
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€59k
Cash flown/a
Staff costs-
Income taxes€23k
Dividends€59k
Total assets€282k
Equity€34k
Debt€248k
of which ≤ 1y€82k
of which > 1y€166k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency12.2%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA20.8%
ROE170.6%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€282k
Fixed assets 21/28€181k
Tangible fixed assets 22/27€181k
Current assets 29/58€102k
Amounts receivable within one year 40/41€17k
Cash & bank 54/58€84k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€282k
Equity 10/15€34k
Contributions / capital 10/11€5k
Reserves 13€29k
Accumulated profits (losses) 14€0
Amounts payable 17/49€248k
Amounts payable after one year 17€166k
Amounts payable within one year 42/48€82k
Trade debts payable within one year 44€677
Income statement
Gross operating margin 9900€103k
Operating result 9901€85k
Financial income 75€0
Financial charges 65€3k
Result before taxes 9903€81k
Income taxes 67/77€23k
Net result for the period 9904€59k
Result to be appropriated 9905€59k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation27-09-2019
StatusActive
Postal code3900
Establishment units 1 location
Stefker
Haltstraat 50, 3900 PeltManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20192.295.200.835
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72502E0102/00D154 Flanders 5,323 m² 1 · 747 m² 7.6 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
24-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
25-10-2024
State Gazette act Registered-office change
10-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
23-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
16-12-2022
State Gazette act Registered-office change
22-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
31-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
Belgisch Staatsblad, acts 2 acts
Address history · 2
25-10-2024
Registered-office move
16-12-2022
Registered-office move
All acts · 2 updated 1 year ago
2024
25-10-2024 Registered office moved from Hasselt to Pelt Registered-office change
  • Boerenkrijgsingel 44 bus D3.02, 3500 Hasselt, België → Haltstraat 50, 3900 Pelt
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_administratif",
      "new_address": {
        "raw": "Haltstraat 50, 3900 Pelt",
        "city": "Pelt",
        "region": "vlaams_gewest",
        "street": "Haltstraat",
        "country": "BE",
        "postcode": "3900",
        "box_number": null,
        "street_number": "50",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Boerenkrijgsingel 44 bus D3.02, 3500 Hasselt, Belgi\u00EB",
        "city": "Hasselt",
        "region": "vlaams_gewest",
        "street": "Boerenkrijgsingel",
        "country": "BE",
        "postcode": "3500",
        "box_number": "D3.02",
        "street_number": "44",
        "locality_suffix": null
      },
      "effective_date": "2024-10-01",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-10-25",
    "filing_date": "2024-10-16",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "enige_bestuurder",
    "date": "2024-10-01",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0735.372.737",
    "name_full": null,
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Stef Kerkhofs",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "Bijlagen bij het Belgisch Staatsblad-25/10/2024- Annexes du Moniteur belge"
  ]
}
2022
16-12-2022 Registered office moved within Hasselt Registered-office change
  • Hassaluthdreef 74, 3500 Hasselt → Boerenkrijgsingel 44 /D3.02, 3500 Hasselt
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Boerenkrijgsingel 44 /D3.02, 3500 Hasselt",
        "city": "Hasselt",
        "region": "vlaams_gewest",
        "street": "Boerenkrijgsingel",
        "country": "BE",
        "postcode": "3500",
        "box_number": "D3.02",
        "street_number": "44",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Hassaluthdreef 74, 3500 Hasselt",
        "city": "Hasselt",
        "region": "vlaams_gewest",
        "street": "Hassaluthdreef",
        "country": "BE",
        "postcode": "3500",
        "box_number": null,
        "street_number": "74",
        "locality_suffix": null
      },
      "effective_date": "2022-11-21",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2022-12-06",
    "act_kind_objet": "Zetel (zetelverplaatsing)"
  },
  "decision": {
    "body": "bijzondere_algemene_vergadering",
    "date": "2022-11-14",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0735.372.737",
    "name_full": "BV CreaFig",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Jaak Thirion",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "verslag van de zaakvoerder dd. 09/11/2022",
    "notulen van de bijzondere algemene vergadering van vennoten dd. 14/11/2022"
  ]
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
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Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en lease van luchtvaartuigen77350Verhuur en lease van luchtvaartuigen77350
Primary activity highlighted.
Names & trade names
Legal nameNL STEFKER
Registered office
Haltstraat 50
3900 Pelt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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BORSACO BE 0425.391.421 · Leuven
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative