STEPHAN JANSSENS
ActiveSTEPHAN JANSSENS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €146k. Equity is shrinking by ~15.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 21% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency37▼-26
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.47 in 2024; short-term debt: 87.5% and cash: 69.2% of total assets), and 87.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
12.5%
Return on assets
56.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 7723 sector peers (2025).
NBB · sector comparisonPosition among 7723 sector peers
Solvency
better than 21%
← weakest
strongest →
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 17-02-2026, 164 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
164 d early
2024
8 d early
2023
64 d early
2022
56 d early
2021
54 d early
2020
45 d early
2019
39 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, micro schema
Equity
€32k▼ 65.1%
2024 · €92k
2018: €202k
2019: €222k
2020: €247k
2021: €253k
2022: €190k
2023: €100k
2024: €92k
2018 → 2025
Total assets
€257k▲ 5.9%
2024 · €243k
2018: €368k
2019: €303k
2020: €309k
2021: €306k
2022: €190k
2023: €273k
2024: €243k
2018 → 2025
Net result
€146k▲ 39.7%
2024 · €104k
2018: €62k
2019: €14k
2020: €26k
2021: €5k
2022: €-63k
2023: €66k
2024: €104k
2018 → 2025
Working capital
€11k▼ 83.8%
2024 · €70k
2018: €126k
2019: €166k
2020: €214k
2021: €245k
2022: €164k
2023: €76k
2024: €70k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€253k-€190k▼ 25.0%€100k▼ 47.4%€92k▼ 7.9%€32k▼ 65.1%
Operating result€17k-€-64k€70k€134k▲ 91.1%€185k▲ 38.6%
Net result€5k-€-63k€66k€104k▲ 57.5%€146k▲ 39.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €257k
Fixed assets
€21k▼ 4.0%
Current assets
€236k▲ 6.8%
Equity and liabilities €257k
Equity
€32k▼ 65.1%
Debt
€225k▲ 49.1%
The debt ratio rises from 62.1% to 87.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€187k▲
2024 · €136k
Cash flow
€148k▲
2024 · €106k
Solvency
12.5%▼
2024 · 37.9%
Current ratio
1.05▼
2024 · 1.47
Quick ratio
1.05▼
2024 · 1.47
Debt / equity
7.01▲
2024 · 1.64
ROE
455.1%▲
2024 · 113.7%
ROA
56.8%▲
2024 · 43.1%
Interest coverage
74332.41▲
2024 · 1964.12
Debt
€225k▲
2024 · €151k
Debt ≤ 1 year
€225k▲
2024 · €151k
Income taxes
€43k▲
2024 · €31k
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€243k€257k▲
Fixed assets21/28€22k€21k▼
Tangible fixed assets22/27€22k€21k▼
Land and buildings22€21k€19k▼
Plant, machinery and equipment23€144€74▼
Furniture and vehicles24€415€1k▲
Current assets29/58€221k€236k▲
Amounts receivable within one year40/41€28k€57k▲
Trade receivables40€28k€24k▼
Other amounts receivable41€38€34k▲
Current investments50/53€100k-
Cash at bank and in hand54/58€88k€178k▲
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€243k€257k▲
Equity10/15€92k€32k▼
Contributions10/11€19k€19k=
Revaluation surpluses12€1k€1k=
Reserves13€72k€12k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€70k€10k▼
Amounts payable17/49€151k€225k▲
Amounts payable within one year42/48€151k€225k▲
Trade debts44€8k€813▼
Suppliers440/4€8k€813▼
Taxes, remuneration and social security45€30k€18k▼
Taxes450/3€28k€16k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€113k€206k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€661€735▲
Gross operating margin9900€136k€188k▲
Operating profit (loss)9901€134k€185k▲
Financial income75/76B€1k€4k▲
Recurring financial income75€1k€4k▲
Financial charges65/66B€69€3▼
Recurring financial charges65€69€3▼
Profit (loss) for the period before taxes9903€135k€189k▲
Income taxes67/77€31k€43k▲
Profit (loss) for the period9904€104k€146k▲
Profit (loss) for the period to be appropriated9905€104k€146k▲
Appropriation of the result
Profit (loss) to be appropriated9906€104k€146k▲
Transfer from equity791/2€8k€60k▲
Profit to be distributed694/7€112k€206k▲
Return on contributions (dividend)694€112k€206k▲
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
17-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €146k ▲39.7%
Operating result €185k, net result €146k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-63k ▼1258%
Net result drops to €-63k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 908current ratio 22672.78
Current ratio from 24.98 to 22672.78; short-term debt falls from €10k to €7.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 13.92
Current ratio from 5.30 to 13.92; short-term debt falls from €39k to €17k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 5.30
Current ratio from 2.02 to 5.30; short-term debt falls from €123k to €39k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Etterbeek · 1 establishment unit since 2016
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.
Beckersstraat 41040 EtterbeekGround area
6,716 m²
Building footprint
3,042 m²
Volume, LiDAR
69,935 m³
Parcel 21363B0494/00D000, Brussels · tallest building 30.2 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
STEPHAN JANSSENS
since 20162.253.206.367
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21363B0494/00D000 | Brussels | 6,716 m² | 1 · 3,041 m² | 30.2 m · 8 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 24,501 companies in sector 82990 we hold annual accounts for 9,402. 6,435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-05-2016
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.