STEFRE
ActiveSummary
STEFRE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €15k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+2
Solvency98▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.69 against 3.5 in 2024; short-term debt: 27.1% and cash: 11.4% of total assets), and 27.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
72.9%
Return on assets
9.7%
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 30-08-2026, 30 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
30 d late
2024
28 d late
2023
30 d late
2022
30 d late
2021
30 d late
2020
17 d early
2019
1 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€42k
EBIT margin
30.8%
Net result
€15k▲ 22.0%
2024 · €12k
2018: €12k
2019: €29k
2020: €-2k
2021: €-8k
2022: €9k
2023: €12k
2024: €12k
2018 → 2025
Working capital
€115k▲ 9.0%
2024 · €105k
2018: €-48k
2019: €82k
2020: €85k
2021: €91k
2022: €98k
2023: €102k
2024: €105k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€42k
Equity€67k-€76k▲ 13.6%€87k▲ 15.4%€100k▲ 14.3%€115k▲ 15.3%
Operating result€-6k-€13k€18k▲ 37.1%€17k▼ 2.3%€21k▲ 20.9%
Net result€-8k-€9k€12k▲ 28.1%€12k▲ 7.4%€15k▲ 22.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €158k
Equity
€115k ▲ 15.3%
Debt
€43k ▼ 10.9%
Debt's share of the balance-sheet total falls from 32.5% to 27.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▲
2024 · €18k
Cash flow
€15k▲
2024 · €13k
Current ratio
3.69▲
2024 · 3.50
Debt to equity
0.37▼
2024 · 0.48
ROE
13.3%▲
2024 · 12.5%
ROA
9.7%▲
2024 · 8.5%
Interest coverage
24.23▲
2024 · 14.52
Debt ≤ 1 year
€43k▲
2024 · €42k
Debt > 1 year
€0▼
2024 · €6k
Income taxes
€9k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€148k€158k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€148k€158k▲
Amounts receivable after more than one year29€92k€92k=
Other amounts receivable291€92k€92k=
Amounts receivable within one year40/41€52k€48k▼
Trade receivables40€7k€3k▼
Other amounts receivable41€46k€45k▼
Cash at bank and in hand54/58€3k€18k▲
Deferred charges and accrued income490/1€635€228▼
Equity and liabilities
Total equity and liabilities10/49€148k€158k▲
Equity10/15€100k€115k▲
Contributions10/11€25k€25k=
Reserves13€75k€90k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€72k€87k▲
Amounts payable17/49€48k€43k▼
Amounts payable after more than one year17€6k€0▼
Financial debts170/4€6k€0▼
Amounts payable within one year42/48€42k€43k▲
Current portion of amounts payable after more than one year42€9k€0▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Advances received on contracts in progress46-€8k
Taxes, remuneration and social security45€16k€18k▲
Taxes450/3€16k€18k▲
Other amounts payable47/48€15k€16k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€908€0▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€20k€22k▲
Operating profit (loss)9901€17k€21k▲
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€1k€860▼
Recurring financial charges65€1k€860▼
Profit (loss) for the period before taxes9903€20k€24k▲
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€12k€15k▲
Profit (loss) for the period to be appropriated9905€12k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€15k▲
Transfer to equity691/2€12k€15k▲
To other reserves6921€12k€15k▲
The notes to these accounts (11 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Equity above €100kEq €115k ▲15.3%
4 profitable years in a row build equity to €115k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 6.04
Current ratio from 2.36 to 6.04; short-term debt falls from €63k to €18k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €29k ▲142%
Operating result €49k, net result €29k, both a record.
Show earlier events
31-12
Financial
Liquidity quadruplescurrent ratio 2.37
Current ratio from 0.60 to 2.37; short-term debt falls from €122k to €60k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
11-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 11 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Wijnegem · 1 establishment unit since 2001
Ground area
943 m²
Building footprint
157 m²
Volume, LiDAR
1,178 m³
Parcel 11050B0323/00T000, Flanders · tallest building 26.4 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
STEFRE
since 20012.098.192.449
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11050B0323/00T000 | Flanders | 943 m² | 1 · 157 m² | 26.4 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
2022 · 1 entry · 354 EUR awarded · 354 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 354 EUR | 354 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900HQ2XM2QVJQ6X68
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SIFRAMA
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,815 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-05-2001
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.