STENEVI
ActiveSTENEVI has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122k and a net result of €31k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+64
Solvency25▲+6
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.19 against 0.13 in 2024), and 75.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
24.5%
Return on assets
6.2%
Age of the figures
8 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 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
29 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€122k▲ 10.1%
2024 · €110k
2023: €114k
2024: €110k
2023 → 2025
Total assets
€496k▼ 2.1%
2024 · €507k
2023: €532k
2024: €507k
2023 → 2025
Net result
€31k▲ 284%
2024 · €8k
2023: €21k
2024: €8k
2023 → 2025
Working capital
€-258k▲ 3.3%
2024 · €-266k
2023: €-256k
2024: €-266k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€114k-€110k▼ 3.2%€122k▲ 10.1%
Operating result€35k-€42k▲ 22.4%€71k▲ 66.6%
Net result€21k-€8k▼ 62.6%€31k▲ 284%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 67% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €496k
Fixed assets
€438k▼ 6.0%
Current assets
€59k▲ 42.0%
Equity and liabilities €496k
Equity
€122k▲ 10.1%
Debt
€375k▼ 5.5%
The debt ratio falls from 78.2% to 75.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€101k▲
2024 · €73k
Cash flow
€61k▲
2024 · €39k
Solvency
24.5%▲
2024 · 21.8%
Current ratio
0.19▲
2024 · 0.13
Quick ratio
0.19▲
2024 · 0.13
Debt / equity
3.08▼
2024 · 3.59
ROE
25.4%▲
2024 · 7.3%
ROA
6.2%▲
2024 · 1.6%
Interest coverage
4.73▲
2024 · 3.02
Debt
€375k▼
2024 · €397k
Debt ≤ 1 year
€316k▲
2024 · €308k
Debt > 1 year
€58k▼
2024 · €89k
Income taxes
€18k▲
2024 · €10k
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€507k€496k▼
Fixed assets21/28€466k€438k▼
Tangible fixed assets22/27€466k€438k▼
Land and buildings22€383k€377k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€66k€53k▼
Leasing and similar rights25€14k€6k▼
Current assets29/58€41k€59k▲
Amounts receivable within one year40/41€23k€38k▲
Trade receivables40€19k€30k▲
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€15k€17k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€507k€496k▼
Equity10/15€110k€122k▲
Contributions10/11€3k€3k=
Reserves13€107k€119k▲
Distributable reserves133€107k€119k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€397k€375k▼
Amounts payable after more than one year17€89k€58k▼
Financial debts170/4€89k€58k▼
Amounts payable within one year42/48€308k€316k▲
Current portion of amounts payable after more than one year42€38k€30k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€13k€17k▲
Taxes450/3€10k€12k▲
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48€253k€266k▲
Accrued charges and deferred income492/3€450€250▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€77k€105k▲
Operating profit (loss)9901€42k€71k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€24k€21k▼
Recurring financial charges65€24k€21k▼
Profit (loss) for the period before taxes9903€18k€49k▲
Income taxes67/77€10k€18k▲
Profit (loss) for the period9904€8k€31k▲
Profit (loss) for the period to be appropriated9905€8k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€31k▲
Transfer from equity791/2€12k€20k▲
Transfer to equity691/2€8k€31k▲
To other reserves6921€8k€31k▲
Profit to be distributed694/7€12k€20k▲
Return on contributions (dividend)694€12k€20k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €31k ▲284%
Operating result €71k, net result €31k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼62.6%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
Vince Van Broeck
CurrentDirector · since 23-06-2025
Van BROECK Stefan
CurrentDirector · since 10-11-2023
23-06-2025
Vince Van Broeck: Appointed as Director
10-11-2023
Van BROECK Stefan: Appointed as Director
Location & real-estate footprint
Registered office, Temse · 2 establishment units since 2015
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.
Burggravestraat 329140 TemseGround area
2,644 m²
Building footprint
442 m²
Volume, LiDAR
2,144 m³
2 parcels, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
STENEVI
since 20152.246.157.833
Moortelstraat 13, 9140 Temse
since 20252.374.803.488
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46008A0846/00A000 | Flanders | 1,621 m² | 1 · 214 m² | 7.4 m · 1 fl. |
| 46008A0820/00D000 | Flanders | 1,023 m² | 1 · 229 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0745.476.870
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Of 11,174 companies in sector 82100 we hold annual accounts for 3,488. 2,583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2015
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:stenevi@telenet.be