STEFMAR
ActiveSummary
The computed 12-month bankruptcy probability of STEFMAR is 2.5% (moderate). The 2024 annual accounts show negative equity (-€84,218) and a net result of -€600. Equity remains stable across the filed fiscal years (±1.4% per year). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 6 accounts on average 40 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
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Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€1,672 | -€483 | - | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | -€1,400 | -€2,100 | ▼ 50.0% |
| Other operating charges640/8 | - | €459 | €460 | €499 | €513 | ▲ 2.8% |
| Gross operating margin9900 | -€55 | -€55 | -€4,259 | -€1,468 | -€2,143 | ▼ 46.0% |
| Operating profit (loss)9901 | -€511 | €1,159 | -€4,236 | -€567 | -€557 | ▲ 1.9% |
| Financial income75/76B | - | - | €15,196 | - | - | - |
| Recurring financial income75 | - | - | €15,196 | - | - | - |
| Financial charges65/66B | - | €141 | €2,395 | €36 | €44 | ▲ 21.7% |
| Recurring financial charges65 | €139 | €141 | €2,395 | €36 | €44 | ▲ 21.7% |
| Profit (loss) for the period before taxes9903 | -€650 | €1,018 | €8,565 | -€603 | -€600 | ▲ 0.5% |
| Income taxes67/77 | - | - | €1,369 | - | - | - |
| Profit (loss) for the period9904 | -€650 | €1,018 | €7,196 | -€603 | -€600 | ▲ 0.5% |
| Profit (loss) for the period to be appropriated9905 | -€650 | €1,018 | €7,196 | -€603 | -€600 | ▲ 0.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3,688 | €3,820 | - | €134 | €91 | ▼ 32.4% |
| Current assets29/58 | €3,688 | €3,820 | - | €134 | €91 | ▼ 32.4% |
| Cash at bank and in hand54/58 | €3,688 | €3,820 | - | €134 | €91 | ▼ 32.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3,688 | €3,820 | - | €134 | €91 | ▼ 32.4% |
| Equity10/15 | -€91,229 | -€90,211 | -€83,015 | -€83,618 | -€84,218 | ▼ 0.7% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €5,162 | €5,162 | €5,162 | €5,162 | €5,162 | = |
| Non-distributable reserves130/1 | - | €600 | €600 | €600 | €600 | = |
| Reserves not available under the articles1311 | - | €600 | €600 | €600 | €600 | = |
| Distributable reserves133 | - | €4,562 | €4,562 | €4,562 | €4,562 | = |
| Profit (loss) carried forward14 | -€114,991 | -€113,973 | -€106,777 | -€107,380 | -€107,980 | ▼ 0.6% |
| Provisions and deferred taxes16 | €10,000 | €10,000 | €10,000 | €8,600 | €6,500 | ▼ 24.4% |
| Provisions for liabilities and charges160/5 | - | €10,000 | €10,000 | €8,600 | €6,500 | ▼ 24.4% |
| Other liabilities and charges164/5 | - | €10,000 | €10,000 | €8,600 | €6,500 | ▼ 24.4% |
| Amounts payable17/49 | €84,917 | €84,031 | €73,015 | €75,152 | €77,809 | ▲ 3.5% |
| Amounts payable within one year42/48 | €84,917 | €84,031 | €73,015 | €75,152 | €77,809 | ▲ 3.5% |
| Trade debts44 | €1,264 | €1,375 | €3,814 | €5,222 | €1,420 | ▼ 72.8% |
| Suppliers440/4 | - | €1,375 | €3,814 | €5,222 | €1,420 | ▼ 72.8% |
| Taxes, remuneration and social security45 | - | €13,433 | €1,369 | €1,369 | - | - |
| Taxes450/3 | - | - | €1,369 | €1,369 | - | - |
| Remuneration and social security454/9 | - | €13,433 | - | - | - | - |
| Other amounts payable47/48 | - | €69,223 | €67,831 | €68,561 | €76,388 | ▲ 11.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€650 | €1,018 | €7,196 | -€603 | -€600 | ▲ 0.5% |
| Operating cash flow (approximation) | -€650 | €1,018 | €7,196 | -€603 | -€600 | ▲ 0.5% |
| Change in cash | - | €132 | - | - | -€44 | - |
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
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38002C1810/00A000 | Flanders | 6,450 m² | 1 · 192 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Identification & contact
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.