STEFKI
ActiveSummary
STEFKI has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.7m and a net result of -€46,947. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 86% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290,000 at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.97 in 2024; short-term debt: 17.7% and cash: 0.6% of total assets), and 17.7% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
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
82.3%
Return on assets
-1%
Age of the figures
9 mo
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
18 d late
2023
20 d late
2022
31 d late
2021
29 d late
2020
20 d late
2019
28 d late
← 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€3.7m▼ 1.2%
2024 · €3.8m
Total assets
€4.5m▼ 7.4%
2024 · €4.9m
Net result
-€46,947
2024 · €12,258
Working capital
€66,247
2024 · -€32,463
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
Line20212022202320242025
Operating result-€12,046€30,398€220▼ 99.3%€11,426▲ 5,084%-€36,927
Net result-€4,384€25,261€4,616▼ 81.7%€12,258▲ 166%-€46,947
Equity€3.7m▼ 0.1%€3.8m▲ 0.7%€3.8m▲ 0.1%€3.8m▲ 0.3%€3.7m▼ 1.2%
Total assets€4.9m▲ 30.3%€5.0m▲ 0.4%€4.9m▼ 1.1%€4.9m▼ 0.3%€4.5m▼ 7.4%
Debt€1.2m▲ 1,933%€1.2m▼ 0.7%€1.1m▼ 4.7%€1.1m▼ 2.5%€802,471▼ 28.3%
Working capital-€302,856-€171,553▲ 43.4%-€172,119▼ 0.3%-€32,463▲ 81.1%€66,247
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 turns negative in 2025: a loss of €36,927 after €11,426 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.5m
Fixed assets
€3.7m ▼ 3.8%
Current assets
€868,718 ▼ 20.0%
Equity and liabilities €4.5m
Equity
€3.7m ▼ 1.2%
Debt
€802,471 ▼ 28.3%
Debt's share of the balance-sheet total falls from 22.9% to 17.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€170,180▼
2024 · €209,539
Cash flow
€160,160▼
2024 · €210,371
Current ratio
1.08▲
2024 · 0.97
Debt to equity
0.22▼
2024 · 0.30
ROE
-1.3%▼
2024 · 0.3%
ROA
-1.0%▼
2024 · 0.3%
Interest coverage
10.49▼
2024 · 134.95
Debt ≤ 1 year
€802,471▼
2024 · €1.1m
Income taxes
€1,732▼
2024 · €5,720
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €168,487 | €185,522 | €188,193 | €198,113 | €207,107 | ▲ 4.5% |
| Other operating charges640/8 | €36,628 | €34,993 | €43,206 | €40,440 | €40,862 | ▲ 1.0% |
| Gross operating margin9900 | €193,069 | €250,913 | €231,619 | €249,979 | €211,041 | ▼ 15.6% |
| Operating profit (loss)9901 | -€12,046 | €30,398 | €220 | €11,426 | -€36,927 | ▼ 423% |
| Financial income75/76B | €9,306 | €7,643 | €7,926 | €8,105 | €7,936 | ▼ 2.1% |
| Recurring financial income75 | €9,306 | €7,643 | €7,926 | €8,105 | €7,936 | ▼ 2.1% |
| Financial charges65/66B | €935 | €1,004 | €1,522 | €1,553 | €16,224 | ▲ 945% |
| Recurring financial charges65 | €935 | €1,004 | €1,522 | €1,553 | €16,224 | ▲ 945% |
| Profit (loss) for the period before taxes9903 | -€3,675 | €37,037 | €6,624 | €17,978 | -€45,215 | ▼ 351% |
| Income taxes67/77 | €709 | €11,776 | €2,008 | €5,720 | €1,732 | ▼ 69.7% |
| Profit (loss) for the period9904 | -€4,384 | €25,261 | €4,616 | €12,258 | -€46,947 | ▼ 483% |
| Profit (loss) for the period to be appropriated9905 | -€4,384 | €25,261 | €4,616 | €12,258 | -€46,947 | ▼ 483% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.9m | €5.0m | €4.9m | €4.9m | €4.5m | ▼ 7.4% |
| Fixed assets21/28 | €4.0m | €3.9m | €3.9m | €3.8m | €3.7m | ▼ 3.8% |
| Tangible fixed assets22/27 | €4.0m | €3.9m | €3.9m | €3.8m | €3.7m | ▼ 3.8% |
| Land and buildings22 | €4.0m | €3.9m | €3.9m | €3.8m | €3.6m | ▼ 4.4% |
| Plant, machinery and equipment23 | €10,903 | €8,871 | €6,840 | €16,170 | €21,235 | ▲ 31.3% |
| Furniture and vehicles24 | - | €1,086 | €610 | €134 | €15,933 | ▲ 11,830% |
| Financial fixed assets28 | €1,639 | €1,639 | €1,720 | €1,720 | €1,720 | = |
| Current assets29/58 | €909,397 | €1.0m | €975,701 | €1.1m | €868,718 | ▼ 20.0% |
| Amounts receivable within one year40/41 | €793,316 | €868,613 | €874,530 | €911,169 | €824,901 | ▼ 9.5% |
| Trade receivables40 | €508 | €508 | €508 | €4,762 | €4,097 | ▼ 14.0% |
| Other amounts receivable41 | €792,807 | €868,105 | €874,022 | €906,407 | €820,804 | ▼ 9.4% |
| Cash at bank and in hand54/58 | €104,935 | €148,240 | €85,439 | €161,660 | €26,611 | ▼ 83.5% |
| Deferred charges and accrued income490/1 | €11,147 | €15,923 | €15,732 | €13,451 | €17,206 | ▲ 27.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.9m | €5.0m | €4.9m | €4.9m | €4.5m | ▼ 7.4% |
| Equity10/15 | €3.7m | €3.8m | €3.8m | €3.8m | €3.7m | ▼ 1.2% |
| Contributions10/11 | €1.8m | €1.8m | €1.8m | €1.8m | €1.8m | = |
| Capital10 | €1.8m | €1.8m | €1.8m | €1.8m | €1.8m | = |
| Issued capital100 | €1.8m | €1.8m | €1.8m | €1.8m | €1.8m | = |
| Reserves13 | €186,021 | €211,282 | €215,898 | €228,156 | €228,156 | = |
| Non-distributable reserves130/1 | €184,760 | €184,760 | €184,760 | €184,760 | €184,760 | = |
| Legal reserve130 | €184,760 | €184,760 | €184,760 | €184,760 | €184,760 | = |
| Distributable reserves133 | €1,261 | €26,522 | €31,138 | €43,396 | €43,396 | = |
| Profit (loss) carried forward14 | €1.7m | €1.7m | €1.7m | €1.7m | €1.6m | ▼ 2.8% |
| Amounts payable17/49 | €1.2m | €1.2m | €1.1m | €1.1m | €802,471 | ▼ 28.3% |
| Amounts payable within one year42/48 | €1.2m | €1.2m | €1.1m | €1.1m | €802,471 | ▼ 28.3% |
| Financial debts43 | €10,069 | €10,068 | €10,231 | €10,236 | €6,782 | ▼ 33.7% |
| Credit institutions430/8 | €10,069 | €10,068 | €10,231 | €10,236 | €6,782 | ▼ 33.7% |
| Trade debts44 | €1,947 | €7,072 | €1,281 | €23,058 | €15,254 | ▼ 33.8% |
| Suppliers440/4 | €1,947 | €7,072 | €1,281 | €23,058 | €15,254 | ▼ 33.8% |
| Taxes, remuneration and social security45 | €709 | €1,234 | €0 | €18,814 | €2,800 | ▼ 85.1% |
| Taxes450/3 | €709 | €1,234 | €0 | €18,814 | €0 | ▼ 100% |
| Remuneration and social security454/9 | - | - | - | - | €2,800 | - |
| Other amounts payable47/48 | €1.2m | €1.2m | €1.1m | €1.1m | €777,635 | ▼ 27.1% |
| Accrued charges and deferred income492/3 | €700 | €700 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,384 | €25,261 | €4,616 | €12,258 | -€46,947 | ▼ 483% |
| + Depreciation and write-downs630 | €168,487 | €185,522 | €188,193 | €198,113 | €207,107 | ▲ 4.5% |
| Operating cash flow (approximation) | €164,103 | €210,782 | €192,809 | €210,371 | €160,160 | ▼ 23.9% |
| Investment in fixed assets (approximation) | - | -€79,479 | -€192,675 | -€70,715 | -€61,450 | ▲ 13.1% |
| Change in cash | - | €43,305 | -€62,801 | €76,222 | -€135,050 | ▼ 277% |
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 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet -€46,947
Net result drops to -€46,947, the lowest in the series.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €25,261
Net result €25,261 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Highest result since 2018net €74,500 ▲8%
Operating result €106,010, net result €74,500, both a record.
31-12
Financial
Liquidity doublescurrent ratio 11.57
Current ratio from 5.72 to 11.57; short-term debt falls from €205,697 to €105,980.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 1994
Ground area
385 m²
Building footprint
303 m²
Volume, LiDAR
2,332 m³
Parcel 11006A0296/00R009, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
STEFKI
since 19942.066.578.961
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0296/00R009 | Flanders | 385 m² | 1 · 302 m² | 12.7 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 9,143 companies in sector 68201 we hold annual accounts for 6,769. 3,559 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded14-03-1994
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Scores and ratios are computed by Checked and are not a credit decision.