STEPHAN JANSSEN
ActiveSTEPHAN JANSSEN has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.14M and a net result of €121k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 2680 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 4.54 against 0.9 in 2024; short-term debt: 3.5% and cash: 13% of total assets), and 3.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
96.3%
Return on assets
10.3%
Age of the figures
9 mo
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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
24 d early
2023
29 d early
2022
24 d early
2021
24 d early
2020
26 d early
2019
23 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.14M▲ 11.9%
2024 · €1.02M
2018: €504k
2019: €575k
2020: €641k
2021: €693k
2022: €790k
2023: €903k
2024: €1.02M
2018 → 2025
Total assets
€1.18M▲ 7.3%
2024 · €1.10M
2018: €1.37M
2019: €1.25M
2020: €1.20M
2021: €1.17M
2022: €1.16M
2023: €1.16M
2024: €1.10M
2018 → 2025
Net result
€121k▲ 5.6%
2024 · €115k
2018: €63k
2019: €71k
2020: €67k
2021: €52k
2022: €97k
2023: €112k
2024: €115k
2018 → 2025
Working capital
€146k
2024 · €-8k
2018: €-716k
2019: €-612k
2020: €-513k
2021: €-428k
2022: €-301k
2023: €-157k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€693k-€790k▲ 14.1%€903k▲ 14.2%€1.02M▲ 12.7%€1.14M▲ 11.9%
Operating result€92k-€146k▲ 58.9%€161k▲ 10.2%€158k▼ 1.5%€163k▲ 2.9%
Net result€52k-€97k▲ 88.7%€112k▲ 15.2%€115k▲ 2.2%€121k▲ 5.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€996k▼ 3.2%
Current assets
€187k▲ 152%
Equity and liabilities €1.18M
Equity
€1.14M▲ 11.9%
Debt
€44k▼ 48.2%
The debt ratio falls from 7.7% to 3.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€195k▲
2024 · €191k
Cash flow
€154k▲
2024 · €147k
Solvency
96.3%▲
2024 · 92.3%
Current ratio
4.54▲
2024 · 0.90
Quick ratio
4.54▲
2024 · 0.90
Debt / equity
0.04▼
2024 · 0.08
ROE
10.6%▼
2024 · 11.3%
ROA
10.3%▼
2024 · 10.4%
Interest coverage
818.76▲
2024 · 45.17
Debt
€44k▼
2024 · €85k
Debt ≤ 1 year
€41k▼
2024 · €82k
Income taxes
€41k▲
2024 · €39k
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€1.10M€1.18M▲
Fixed assets21/28€1.03M€996k▼
Tangible fixed assets22/27€1.03M€996k▼
Land and buildings22€1.02M€990k▼
Furniture and vehicles24€631€304▼
Other tangible fixed assets26€5k€5k=
Current assets29/58€74k€187k▲
Amounts receivable within one year40/41€735€27k▲
Trade receivables40-€26k
Other amounts receivable41€735€735=
Cash at bank and in hand54/58€68k€154k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.10M€1.18M▲
Equity10/15€1.02M€1.14M▲
Contributions10/11€219k€219k=
Reserves13€799k€920k▲
Distributable reserves133€799k€920k▲
Amounts payable17/49€85k€44k▼
Amounts payable within one year42/48€82k€41k▼
Trade debts44€366€280▼
Suppliers440/4€366€280▼
Taxes, remuneration and social security45€26k€17k▼
Taxes450/3€20k€17k▼
Remuneration and social security454/9€6k€0▼
Other amounts payable47/48€56k€24k▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€33k=
Other operating charges640/8€12k€12k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€203k€208k▲
Operating profit (loss)9901€158k€163k▲
Financial charges65/66B€4k€239▼
Recurring financial charges65€4k€239▼
Profit (loss) for the period before taxes9903€154k€163k▲
Income taxes67/77€39k€41k▲
Profit (loss) for the period9904€115k€121k▲
Profit (loss) for the period to be appropriated9905€115k€121k▲
Appropriation of the result
Profit (loss) to be appropriated9906€115k€121k▲
Transfer to equity691/2€115k€121k▲
To other reserves6921€115k€121k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (4 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
02-09
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-08-31
- Registered-office move, Prinses Paolalaan 8, 8310 Brugge
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €121k ▲5.6%
Operating result €163k, net result €121k, both a record.
31-12
Financial
Liquidity times 5current ratio 4.54
Current ratio from 0.90 to 4.54; short-term debt falls from €82k to €41k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1MEq €1.02M ▲12.7%
7 profitable years in a row build equity to €1.02M.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €52k ▼22.6%
Net result drops to €52k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2004
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.
Prinses Paolalaan 88310 BruggeGround area
498 m²
Building footprint
128 m²
Volume, LiDAR
922 m³
Parcel 31434C0204/00N000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA STEPHAN JANSSEN
since 20042.136.748.266
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0204/00N000 | Flanders | 498 m² | 1 · 128 m² | 10.0 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.
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Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 7,871 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2004
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:kle@jcs.be
Phone:0475/694790
Fax:050/675792