STEFONSONS
ActiveThe computed 12-month bankruptcy probability of STEFONSONS is 2.9% (moderate). The 2025 annual accounts show negative equity (€-7k) and a net result of €-30k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 27711 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
18
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency20▼-18
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.0 in 2024; short-term debt: 104.5% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
-4.5%
Return on assets
-18.6%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-7k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
22 d early
2023
20 d early
2022
27 d early
2021
33 d early
2020
2 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-7k
2024 · €23k
2020: €10k
2021: €-1k
2022: €20k
2023: €57k
2024: €23k
2020 → 2025
Total assets
€161k▼ 9.6%
2024 · €178k
2020: €118k
2021: €133k
2022: €229k
2023: €187k
2024: €178k
2020 → 2025
Net result
€-30k▲ 12.9%
2024 · €-34k
2020: €-10k
2021: €-11k
2022: €21k
2023: €37k
2024: €-34k
2020 → 2025
Working capital
€-167k▼ 8.4%
2024 · €-154k
2020: €-77k
2021: €-133k
2022: €-161k
2023: €-127k
2024: €-154k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-1k-€20k€57k▲ 182%€23k▼ 60.3%€-7k
Operating result€-11k-€26k€52k▲ 99.9%€-30k€-25k▲ 15.3%
Net result€-11k-€21k€37k▲ 72.7%€-34k€-30k▲ 12.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €30k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €161k
Fixed assets
€160k▼ 9.5%
Current assets
€520▼ 24.7%
Key figures and ratios
EBITDA
€-6k▲
2024 · €-11k
Cash flow
€-11k▲
2024 · €-15k
Solvency
-4.5%▼
2024 · 12.7%
Current ratio
0.00▼
2024 · 0.00
Quick ratio
0.00▼
2024 · 0.00
Debt / equity
-23.05▼
2024 · 6.89
ROA
-18.6%▲
2024 · -19.3%
Interest coverage
-1.48▲
2024 · -2.63
Debt
€168k▲
2024 · €155k
Debt ≤ 1 year
€168k▲
2024 · €155k
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€178k€161k▼
Fixed assets21/28€177k€160k▼
Tangible fixed assets22/27€177k€160k▼
Land and buildings22€139k€120k▼
Plant, machinery and equipment23€367€94▼
Assets under construction and advance payments27€38k€40k▲
Financial fixed assets28€20€20=
Current assets29/58€690€520▼
Amounts receivable within one year40/41€76€486▲
Trade receivables40€76€0▼
Other amounts receivable41€0€486▲
Cash at bank and in hand54/58€614€34▼
Equity and liabilities
Total equity and liabilities10/49€178k€161k▼
Equity10/15€23k€-7k▼
Contributions10/11€20k€20k=
Reserves13€3k€0▼
Distributable reserves133€3k€0▼
Profit (loss) carried forward14-€-27k
Amounts payable17/49€155k€168k▲
Amounts payable within one year42/48€155k€168k▲
Financial debts43€128k€144k▲
Other loans439€128k€144k▲
Trade debts44€751€452▼
Suppliers440/4€751€452▼
Taxes, remuneration and social security45€41€0▼
Taxes450/3€41€0▼
Other amounts payable47/48€26k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-10k€-5k▲
Operating profit (loss)9901€-30k€-25k▲
Financial income75/76B€17€0▼
Recurring financial income75€17€0▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€-34k€-30k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-34k€-30k▲
Profit (loss) for the period to be appropriated9905€-34k€-30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-30k▲
Transfer from equity791/2€34k€3k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (14 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-34k ▼194%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €37k ▲72.7%
Operating result €52k, net result €37k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mechelen · 1 establishment unit since 2019
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.
Tervuursesteenweg 1922800 MechelenGround area
254 m²
Building footprint
62 m²
Volume, LiDAR
447 m³
Parcel 12403E0344/00A011, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STEFONSONS
since 20192.291.186.619
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0344/00A011 | Flanders | 254 m² | 1 · 62 m² | 10.4 m · 3 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.
Similar companies · same sector, comparable size
PDR Construct
BE 0800.426.182
Halle · Eq €23k
RESTRUCT BXL
BE 0686.567.879
Anderlecht · Eq €23k
ACAD CONSTRUCT
BE 0697.675.072
Anderlecht · Eq €23k
E&G Projects
BE 0771.738.730
Lochristi · Eq €22k
ETS DECOT
BE 1002.534.689
Sint-Genesius-Rode · Eq €22k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2019
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43995Specialised construction activities
31001Manufacture of furniture
43320Joinery installation
43343Specialised construction activities
43999Specialised construction activities
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.