STEPHANE GILLET
ActiveSTEPHANE GILLET has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.48M and a net result of €62k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
64
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▲+16
Solvency64▲+1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity short (current ratio 0.59 against 0.47 in 2024), and 49.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
50.9%
Return on assets
2.1%
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
27 d late
2022
70 d late
2021
30 d late
2020
89 d late
2019
81 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.48M▲ 4.3%
2024 · €1.42M
2018: €1.17M
2019: €1.06M
2020: €1.18M
2021: €1.21M
2022: €1.29M
2023: €1.41M
2024: €1.42M
2018 → 2025
Total assets
€2.91M▲ 7.5%
2024 · €2.71M
2018: €2.61M
2019: €2.97M
2020: €2.97M
2021: €3.55M
2022: €2.66M
2023: €2.90M
2024: €2.71M
2018 → 2025
Net result
€62k▲ 321%
2024 · €15k
2018: €30k
2019: €45k
2020: €115k
2021: €30k
2022: €81k
2023: €118k
2024: €15k
2018 → 2025
Working capital
€-367k▼ 10.0%
2024 · €-334k
2018: €804k
2019: €783k
2020: €251k
2021: €146k
2022: €108k
2023: €-255k
2024: €-334k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.21M-€1.29M▲ 6.7%€1.41M▲ 9.2%€1.42M▲ 1.0%€1.48M▲ 4.3%
Operating result€77k-€140k▲ 81.9%€179k▲ 27.9%€55k▼ 69.5%€115k▲ 109%
Net result€30k-€81k▲ 171%€118k▲ 46.5%€15k▼ 87.6%€62k▲ 321%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 109% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.91M
Fixed assets
€2.39M▼ 1.0%
Current assets
€523k▲ 77.6%
Equity and liabilities €2.91M
Equity
€1.48M▲ 4.3%
Debt
€1.43M▲ 11.0%
The debt ratio rises from 47.5% to 49.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€238k▲
2024 · €175k
Cash flow
€185k▲
2024 · €135k
Solvency
50.9%▼
2024 · 52.5%
Current ratio
0.59▲
2024 · 0.47
Quick ratio
0.17▼
2024 · 0.32
Debt / equity
0.96▲
2024 · 0.91
ROE
4.2%▲
2024 · 1.0%
ROA
2.1%▲
2024 · 0.5%
Interest coverage
7.23▲
2024 · 4.89
Debt
€1.43M▲
2024 · €1.29M
Debt ≤ 1 year
€890k▲
2024 · €628k
Debt > 1 year
€524k▼
2024 · €648k
Income taxes
€21k▲
2024 · €6k
Staff costs
€55k▲
2024 · €51k
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€2.71M€2.91M▲
Fixed assets21/28€2.41M€2.39M▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€2.41M€2.39M▼
Land and buildings22€2.33M€2.31M▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€72k€72k▲
Other tangible fixed assets26€11k€4k▼
Financial fixed assets28€137€137=
Current assets29/58€295k€523k▲
Stocks and contracts in progress3€91k€369k▲
Stocks30/36€91k€369k▲
Amounts receivable within one year40/41€17k€6k▼
Trade receivables40€3k€6k▲
Other amounts receivable41€14k-
Current investments50/53€5k€5k=
Cash at bank and in hand54/58€178k€139k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€2.71M€2.91M▲
Equity10/15€1.42M€1.48M▲
Contributions10/11€6k€6k=
Reserves13€68k€68k=
Tax-exempt reserves132€68k€68k=
Profit (loss) carried forward14€1.35M€1.41M▲
Amounts payable17/49€1.29M€1.43M▲
Amounts payable after more than one year17€648k€524k▼
Financial debts170/4€648k€524k▼
Amounts payable within one year42/48€628k€890k▲
Current portion of amounts payable after more than one year42€212k€147k▼
Financial debts43€325k€575k▲
Credit institutions430/8€325k€575k▲
Trade debts44€17k€23k▲
Suppliers440/4€17k€23k▲
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€9k€24k▲
Taxes450/3€2k€15k▲
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€61k€122k▲
Accrued charges and deferred income492/3€12k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€51k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€120k€123k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€43k€53k▲
Non-recurring operating charges66A€943-
Gross operating margin9900€271k€350k▲
Operating profit (loss)9901€55k€115k▲
Financial income75/76B€2k€692▼
Recurring financial income75€2k€692▼
Financial charges65/66B€36k€33k▼
Recurring financial charges65€36k€33k▼
Profit (loss) for the period before taxes9903€21k€82k▲
Income taxes67/77€6k€21k▲
Profit (loss) for the period9904€15k€62k▲
Profit (loss) for the period to be appropriated9905€15k€62k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.35M€1.41M▲
Profit (loss) brought forward from the previous period14P€1.33M€1.35M▲
The notes to these accounts (12 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
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €15k ▼87.6%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Highest result since 2018net €118k ▲46.5%
Net result €118k, the highest in the series.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 81 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Andenne · 5 establishment units 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.
Place des Tilleuls 35300 AndenneGround area
4,496 m²
Building footprint
749 m²
Volume, LiDAR
2,699 m³
5 parcels, Brussels, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
5 establishment units
IMMOBILIERE STEPHANE GILLET
since 20042.135.777.078
IMMOBILIERE STEPHANE GILLET
since 20042.144.560.825
IMMOBILIERE STEPHANE GILLET
since 20092.175.754.639
IMMOBILIERE STEPHANE GILLET
since 20102.191.339.371
IMMOBILIERE STEPHANE GILLET
since 20142.226.382.602
5 parcels
Wallonia
4
(80%)
Brussels
1
(20%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64050B0512/00L000 | Wallonia | 2,952 m² | 1 · 416 m² | 8.1 m · 2 fl. |
| 92003H0493/00E004 | Wallonia | 1,044 m² | 1 · 131 m² | - |
| 91064A0073/00W000 | Wallonia | 240 m² | 1 · 81 m² | - |
| 21383B0020/00C050 | Brussels | 215 m² | 1 · 82 m² | 11.3 m · 3 fl. |
| 91030A0484/00H000 | Wallonia | 46 m² | 1 · 38 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Elde
BE 0406.164.536
Liège · Eq €1.48M
LECOBEL
BE 0436.334.803
Elsene · Eq €1.49M
PICARDIE INVEST
BE 0459.628.560
Brussel · Eq €1.48M
PROTECTIM
BE 0445.269.491
Saint-Ghislain · Eq €1.48M
IMMO VEVA
BE 0438.699.425
Waregem · Eq €1.49M
Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 3,201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2004
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesE-mail:stephanegillet@skynet.be
Phone:0494/58.60.93
Phone:085/71.31.76
Fax:085/71.31.78
E-mail:stephengillet@skynet.be