STEPHANE DEBELS MANAGEMENT
ActiveSTEPHANE DEBELS MANAGEMENT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €242k and a net result of €108k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 8.43 against 7.52 in 2024; short-term debt: 11.6% and cash: 80.8% of total assets), and 11.6% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
88.4%
Return on assets
39.4%
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 17-08-2026, 17 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 · 9 filingsDeviation from the deadline
2025
17 d late
2024
1 d early
2023
on the day
2022
17 d late
2021
18 d late
2020
37 d late
2019
62 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€242k▲ 39.7%
2024 · €173k
2018: €38k
2019: €49k
2020: €60k
2021: €77k
2022: €101k
2023: €132k
2024: €173k
2018 → 2025
Total assets
€274k▲ 39.7%
2024 · €196k
2018: €59k
2019: €67k
2020: €74k
2021: €86k
2022: €113k
2023: €155k
2024: €196k
2018 → 2025
Net result
€108k▲ 25.3%
2024 · €86k
2018: €13k
2019: €12k
2020: €16k
2021: €18k
2022: €25k
2023: €76k
2024: €86k
2018 → 2025
Working capital
€236k▲ 59.2%
2024 · €148k
2018: €29k
2019: €40k
2020: €46k
2021: €67k
2022: €80k
2023: €109k
2024: €148k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€101k▲ 31.7%€132k▲ 30.5%€173k▲ 31.1%€242k▲ 39.7%
Operating result€25k-€36k▲ 41.5%€104k▲ 193%€112k▲ 8.0%€149k▲ 32.3%
Net result€18k-€25k▲ 43.5%€76k▲ 201%€86k▲ 13.4%€108k▲ 25.3%
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 four years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €274k
Fixed assets
€7k▼ 74.1%
Current assets
€268k▲ 56.6%
Equity and liabilities €274k
Equity
€242k▲ 39.7%
Debt
€32k▲ 39.7%
The debt ratio stays at 11.6%.
Key figures and ratios
EBITDA
€150k▲
2024 · €113k
Cash flow
€109k▲
2024 · €87k
Solvency
88.4%=
2024 · 88.4%
Current ratio
8.43▲
2024 · 7.52
Quick ratio
8.43▲
2024 · 7.52
Debt / equity
0.13=
2024 · 0.13
ROE
44.5%▼
2024 · 49.7%
ROA
39.4%▼
2024 · 43.9%
Interest coverage
1367.51▲
2024 · 1080.95
Debt
€32k▲
2024 · €23k
Debt ≤ 1 year
€32k▲
2024 · €23k
Income taxes
€44k▲
2024 · €27k
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€196k€274k▲
Fixed assets21/28€25k€7k▼
Tangible fixed assets22/27€5k€7k▲
Furniture and vehicles24€5k€7k▲
Financial fixed assets28€20k€0▼
Current assets29/58€171k€268k▲
Amounts receivable after more than one year29€16k€14k▼
Other amounts receivable291€16k€14k▼
Amounts receivable within one year40/41€23k€30k▲
Trade receivables40€20k€28k▲
Other amounts receivable41€2k€2k▼
Current investments50/53€80k€0▼
Cash at bank and in hand54/58€51k€221k▲
Deferred charges and accrued income490/1€813€2k▲
Equity and liabilities
Total equity and liabilities10/49€196k€274k▲
Equity10/15€173k€242k▲
Contributions10/11€14k€14k=
Reserves13€129k€190k▲
Distributable reserves133€129k€190k▲
Profit (loss) carried forward14€30k€38k▲
Amounts payable17/49€23k€32k▲
Amounts payable within one year42/48€23k€32k▲
Trade debts44€1k€46▼
Suppliers440/4€1k€46▼
Taxes, remuneration and social security45€3k€16k▲
Taxes450/3€3k€13k▲
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€18k€16k▼
Income statement
Code20242025
Non-recurring operating income76A-€42k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€624€1k▲
Other operating charges640/8€745€880▲
Gross operating margin9900€114k€151k▲
Operating profit (loss)9901€112k€149k▲
Financial income75/76B€854€3k▲
Recurring financial income75€854€3k▲
Financial charges65/66B€104€110▲
Recurring financial charges65€104€110▲
Profit (loss) for the period before taxes9903€113k€152k▲
Income taxes67/77€27k€44k▲
Profit (loss) for the period9904€86k€108k▲
Profit (loss) for the period to be appropriated9905€86k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€105k€138k▲
Profit (loss) brought forward from the previous period14P€19k€30k▲
Transfer from equity791/2-€39k
Transfer to equity691/2€30k€100k▲
To contributions691€30k€100k▲
Profit to be distributed694/7€45k€39k▼
Return on contributions (dividend)694€45k€39k▼
The notes to these accounts (10 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Highest result since 2018net €108k ▲25.3%
Operating result €149k, net result €108k, both a record.
31-12
Financial
Equity above €200kEq €242k ▲39.7%
8 profitable years in a row build equity to €242k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €173k ▲31.1%
7 profitable years in a row build equity to €173k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Equity above €100kEq €101k ▲31.7%
5 profitable years in a row build equity to €101k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
06-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 37 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
31-12
Financial
Weakest financial yearnet €12k ▼7.2%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 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.
Jennevalstraat 371000 BrusselGround area
142 m²
Building footprint
84 m²
Volume, LiDAR
966 m³
Parcel 21806F0066/00X000, Brussels · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
STEPHANE DEBELS MANAGEMENT
since 20162.259.866.507
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0066/00X000 | Brussels | 142 m² | 1 · 84 m² | 15.1 m · 4 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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MAPIGEST
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N-LAW
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 39,044 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
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.