STEFRA
ActiveSTEFRA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €32k and a net result of €10k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 5495 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
21 d early
2022
2 d late
2021
1 d early
2020
13 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€32k▲ 45.8%
2024 · €22k
2018: €13k
2019: €12k
2020: €16k
2021: €17k
2022: €-14k
2023: €8k
2024: €22k
2018 → 2025
Net result
€10k▼ 33.3%
2024 · €15k
2018: €670
2019: €-652
2020: €4k
2021: €692
2022: €-30k
2023: €22k
2024: €15k
2018 → 2025
Total assets
€77k▼ 10.5%
2024 · €86k
2018: €160k
2019: €141k
2020: €193k
2021: €166k
2022: €109k
2023: €102k
2024: €86k
2018 → 2025
Solvency
41.9%▲ 16.2pp
2024 · 25.7%
2018: 8.0%
2019: 8.5%
2020: 8.2%
2021: 10.0%
2022: -12.6%
2023: 8.3%
2024: 25.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€-14k€8k€22k▲ 159%€32k▲ 45.8%
Operating result€7k-€-26k€26k€20k▼ 21.9%€16k▼ 21.3%
Net result€692-€-30k€22k€15k▼ 31.8%€10k▼ 33.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€57k▲ 66.5%
Current assets
€20k▼ 61.8%
Equity and liabilities €77k
Equity
€32k▲ 45.8%
Debt
€44k▼ 30.0%
The debt ratio falls from 74.3% to 58.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
41.9%▲
2024 · 25.7%
ROE
31.4%▼
2024 · 68.7%
ROA
13.2%▼
2024 · 17.7%
Debt
€44k▼
2024 · €64k
Debt ≤ 1 year
€44k▲
2024 · €36k
Income taxes
€4k▲
2024 · €2k
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€86k€77k▼
Fixed assets21/28€34k€57k▲
Tangible fixed assets22/27€34k€57k▲
Furniture and vehicles24-€16k
Other tangible fixed assets26€34k€41k▲
Current assets29/58€51k€20k▼
Amounts receivable within one year40/41€30k€2k▼
Trade receivables40€1k€2k▲
Other amounts receivable41€29k€233▼
Cash at bank and in hand54/58€21k€14k▼
Deferred charges and accrued income490/1€330€3k▲
Equity and liabilities
Total equity and liabilities10/49€86k€77k▼
Equity10/15€22k€32k▲
Contributions10/11€13k€13k=
Reserves13€9k€20k▲
Tax-exempt reserves132€570€570=
Distributable reserves133€9k€19k▲
Amounts payable17/49€64k€44k▼
Amounts payable after more than one year17€28k-
Financial debts170/4€28k-
Amounts payable within one year42/48€36k€44k▲
Current portion of amounts payable after more than one year42€30k€28k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€1k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€8k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€43k€26k▼
Operating profit (loss)9901€20k€16k▼
Financial income75/76B€75€173▲
Recurring financial income75€75€173▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€17k€15k▼
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€15k€10k▼
Profit (loss) for the period to be appropriated9905€15k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€10k▲
Profit (loss) brought forward from the previous period14P€-6k-
Transfer to equity691/2€7k€10k▲
To other reserves6921€7k€10k▲
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (5 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
30-09
Financial
Weakest financial yearnet €-30k ▼4472%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
2020
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Roeselare · 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.
Jan Breydelstraat 128800 RoeselareGround area
1,041 m²
Building footprint
197 m²
Volume, LiDAR
1,196 m³
Parcel 36502B0615/00R000, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stefra
since 20062.154.710.686
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B0615/00R000 | Flanders | 1,041 m² | 1 · 197 m² | 11.2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,545 EUR awarded · 1,545 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,545 EUR | 1,545 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 8,947 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2006
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.