STEFMIR SPRL
ActiveSTEFMIR SPRL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €-40k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-63
Solvency99▼-1
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 2.8 in 2024), and 35.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 2025Solvency, return and age of the figures
Solvency
64.1%
Return on assets
-110.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
31 d early
2023
33 d early
2022
28 d early
2021
37 d early
2020
30 d early
2019
30 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€163k
EBIT margin
3.3%
Net result
€-40k
2024 · €8k
2018: €-11k
2019: €9k
2020: €-8k
2021: €40k
2022: €5k
2023: €5k
2024: €8k
2018 → 2025
Working capital
€20k▼ 62.9%
2024 · €55k
2018: €30k
2019: €41k
2020: €17k
2021: €49k
2022: €59k
2023: €51k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€163k
Equity€74k-€80k▲ 7.1%€70k▼ 12.2%€64k▼ 9.0%€23k▼ 63.2%
Operating result€50k-€6k▼ 88.8%€5k▼ 5.2%€14k▲ 168%€-40k
Net result€40k-€5k▼ 86.8%€5k▲ 0.2%€8k▲ 52.3%€-40k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €40k after €14k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€3k▼ 65.1%
Current assets
€33k▼ 60.7%
Equity and liabilities €37k
Equity
€23k▼ 63.2%
Debt
€13k▼ 56.6%
The debt ratio rises from 32.2% to 35.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-34k▼
2024 · €31k
Cash flow
€-34k▼
2024 · €25k
Solvency
64.1%▼
2024 · 67.8%
Current ratio
2.54▼
2024 · 2.80
Quick ratio
1.86▼
2024 · 2.80
Debt / equity
0.56▲
2024 · 0.48
ROE
-171.7%▼
2024 · 12.6%
ROA
-110.1%▼
2024 · 8.5%
Interest coverage
-158.83▼
2024 · 144.38
Debt
€13k▼
2024 · €30k
Debt ≤ 1 year
€13k▼
2024 · €30k
Income taxes
€144▼
2024 · €6k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€94k€37k▼
Fixed assets21/28€9k€3k▼
Tangible fixed assets22/27€9k€3k▼
Furniture and vehicles24€9k€3k▼
Current assets29/58€85k€33k▼
Stocks and contracts in progress3-€9k
Stocks30/36-€9k
Amounts receivable within one year40/41€49k€6k▼
Trade receivables40€48k-
Other amounts receivable41€1k€6k▲
Cash at bank and in hand54/58€34k€17k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€94k€37k▼
Equity10/15€64k€23k▼
Contributions10/11€3k€3k=
Reserves13€52k€20k▼
Distributable reserves133€52k€20k▼
Profit (loss) carried forward14€8k-
Amounts payable17/49€30k€13k▼
Amounts payable within one year42/48€30k€13k▼
Current portion of amounts payable after more than one year42€7k-
Trade debts44€183€9k▲
Suppliers440/4€183€9k▲
Taxes, remuneration and social security45€13k-
Taxes450/3€13k-
Other amounts payable47/48€10k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€6k▼
Other operating charges640/8€74€149▲
Gross operating margin9900€31k€-34k▼
Operating profit (loss)9901€14k€-40k▼
Financial income75/76B-€30
Recurring financial income75-€30
Financial charges65/66B€217€214▼
Recurring financial charges65€217€214▼
Profit (loss) for the period before taxes9903€14k€-40k▼
Income taxes67/77€6k€144▼
Profit (loss) for the period9904€8k€-40k▼
Profit (loss) for the period to be appropriated9905€8k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-32k▼
Profit (loss) brought forward from the previous period14P€398€8k▲
Transfer from equity791/2€14k€32k▲
Profit to be distributed694/7€14k-
Return on contributions (dividend)694€14k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-40k ▼602%
Net result drops to €-40k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Namur · 1 establishment unit since 2006
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.
Rue Joseph Vincent(BL) 25001 NamurGround area
384 m²
Building footprint
71 m²
Volume, LiDAR
439 m³
Parcel 92010D0147/00Y000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Joseph Vincent(BL) 2, 5001 Namur
since 20062.156.388.687
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92010D0147/00Y000 | Wallonia | 384 m² | 1 · 71 m² | 8.9 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.
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AQUA CONTAINER
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SANEL C.C.
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L'ARGUS
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Of 1,708 companies in sector 47521 we hold annual accounts for 1,275. 475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2006
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
52462
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
52630
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.