Equity
€114,926 ▲ 15.3%
STEFRE has made a profit without a break since 2022.
STEFRE
Lifetime
20 annual accounts with figures on one time axis, 24 filings since 2002peak €584,451 (2017)
€22,494▲ 13.3%
lowest -€36,645 (2008)
€15,233▲ 22.0%
peak €114,926 (2025)
€114,926▲ 15.3%
€42,670▼ 10.9%
peak 10.2 FTE (2017)
-not published
Board1 name since 2008
1 directorWaignein Tomas
Documentsfilings and deeds
30-08-202630 days late
2025micro format
Gross margin from €19,849 to €22,494Equity from €99,693 to €114,926Cash from €3,117 to €17,993
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 56% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025
09-2025: 0.1%▼ -0.2 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.2 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 3.69, cash €17,993
Equity €114,926 (72.9% of total assets)
Founded in 2001
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 69% of them on solvency, 43% on liquidity, 48% on profitability and 63% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as STEFRE has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STEFRE itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for STEFRE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.69 (3.5 in 2024), above the usual 1.5. Short-term debt is 27.1% and cash 11.4% of total assets. 27.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 30 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
30 days late
2024
28 days late
2023
30 days late
2022
30 days late
2021
30 days late
2020
17 days early
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 19 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0474752741
Registered office moved within Wijnegem
New registered office: Dokter Vandeperrelaan 2 te 2110 Wijnegem · Previous registered office: Turnhoutsebaan 450/1 te 2110 Wijnegem · Board meeting of 04-04-2019 · Gazette deed
First establishment
Dokter Vandeperrelaan 2, Wijnegem
Incorporation
published on 18-05-2001 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEFRE Wijnegem | €157,596 | €22,494 | 72.9% | - |
| XENOPZ SOFTWARE DEVELOPMENT Brecht | €155,322 | €22,646 | 87.9% | - |
| CENTRUM VOOR PRODUCTIVITEITS COACHING Mol | €153,068 | €20,953 | 74.6% | - |
| F. VAN HAESENDONCK Schilde | €153,421 | €20,659 | 67.6% | - |
| VAN HOOF M Kontich | €147,742 | €22,394 | 98.8% | - |
| DAMG! Antwerp | €162,571 | €22,439 | 88.6% | - |
| ALLROUND SECURITY COMPANY Brasschaat | €182,581 | €25,728 | 63.1% | - |
These companies have the same main activity as STEFRE: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €148,000 and €183,000, founded between 1997 and 2003.
Official details
Source: KBO- Status
- Active since 07-05-2001Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.098.192.4492110 Wijnegem, since 19-06-2001
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Insights on STEFRE
STEFRE files the micro format. That format states no turnover. The gross margin fell from €213,874 in 2006 to €22,494 in 2025.
The balance sheet grew most from 2013 to 2015 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STEFRE
- What is the company number of STEFRE?
- The company number of STEFRE is 0474.752.741. The VAT number is the same number with BE in front: BE 0474.752.741.
- Where is STEFRE based?
- The registered office is at Dokter Vandeperrelaan 2, 2110 Wijnegem.Company details
- What does STEFRE do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of STEFRE?
- STEFRE is a private limited company (pre-2019) (BVBA).
- When was STEFRE founded?
- STEFRE was founded on 07-05-2001.
- Is STEFRE still active?
- Yes, STEFRE is an active enterprise in the KBO register.
- How many employees does STEFRE have?
- STEFRE had an average of 5 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
- What is the turnover of STEFRE?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €22,494 and 205 comparable companies (NACE 70200). It probably lies between €51,000 and €210,000. It is a rough estimate. In financial year 2022 turnover was €41,760.
- Is STEFRE profitable?
- In financial year 2025, STEFRE made a profit of €15,233.
- Where can I find the annual accounts of STEFRE?
- STEFRE filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEFRE due?
- STEFRE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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