STEPHANIE C
ActiveSummary
STEPHANIE C has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €295k and a net result of €20k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▲+47
Solvency72▲+7
Growth70▲+16
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 2.99 against 0.99 in 2024; short-term debt: 6.8% and cash: 8.4% of total assets), but 53.1% of the assets are financed with debt.
Credit check 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
46.9%
Return on assets
3.2%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
26 d late
2023
on the day
2022
67 d late
2021
29 d late
2020
67 d late
2019
50 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€234k▲ 27.1%
2020 · €184k
2018: €192k
2019: €186k▼ -3.0% vs 2018
2020: €184k▼ -1.1% vs 2019lowest in 4 years
2021: €234k▲ +27.1% vs 2020highest in 4 years
2018 → 2021
EBIT margin
21.0%▼ 4.9pp
2020 · 25.8%
2018: 23.7%
2019: 23.8%▲ +0.2% vs 2018
2020: 25.8%▲ +8.6% vs 2019highest in 4 years
2021: 21.0%▼ -18.8% vs 2020lowest in 4 years
2018 → 2021
Net result
€20k
2024 · €-17k
2018: €20k
2019: €28k▲ +41.9% vs 2018
2020: €31k▲ +11.7% vs 2019
2021: €37k▲ +18.4% vs 2020
2022: €19k▼ -47.8% vs 2021
2023: €76k▲ +297% vs 2022highest in 8 years
2024: €-17k▼ -123% vs 2023lowest in 8 years
2025: €20k▲ +217% vs 2024
2018 → 2025
Working capital
€85k
2024 · €-1k
2018: €30k
2019: €96k▲ +219% vs 2018
2020: €107k▲ +11.3% vs 2019
2021: €108k▲ +0.8% vs 2020
2022: €127k▲ +17.2% vs 2021
2023: €160k▲ +26.1% vs 2022highest in 8 years
2024: €-1k▼ -101% vs 2023lowest in 8 years
2025: €85k▲ +6194% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€234k-
Equity€197k-€216k▲ 9.7%€293k▲ 35.1%€275k▼ 5.9%€295k▲ 7.3%
2021: €197klowest in 5 years
2022: €216k▲ +9.7% vs 2021
2023: €293k▲ +35.1% vs 2022
2024: €275k▼ -5.9% vs 2023
2025: €295k▲ +7.3% vs 2024highest in 5 years
Operating result€49k-€30k▼ 38.7%€101k▲ 236%€-4k€34k
2021: €49k
2022: €30k▼ -38.7% vs 2021
2023: €101k▲ +236% vs 2022highest in 5 years
2024: €-4k▼ -104% vs 2023lowest in 5 years
2025: €34k▲ +979% vs 2024
Net result€37k-€19k▼ 47.8%€76k▲ 297%€-17k€20k
2021: €37k
2022: €19k▼ -47.8% vs 2021
2023: €76k▲ +297% vs 2022highest in 5 years
2024: €-17k▼ -123% vs 2023lowest in 5 years
2025: €20k▲ +217% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €34k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €629k
Fixed assets
€502k ▼ 4.7%
Current assets
€127k ▼ 18.4%
Equity and liabilities €629k
Equity
€295k ▲ 7.3%
Debt
€334k ▼ 18.1%
Debt's share of the balance-sheet total falls from 59.7% to 53.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▲
2024 · €3k
Cash flow
€46k▲
2024 · €-10k
Current ratio
2.99▲
2024 · 0.99
Quick ratio
1.61▲
2024 · 0.73
Debt to equity
1.13▼
2024 · 1.48
ROE
6.8%▲
2024 · -6.3%
ROA
3.2%▲
2024 · -2.5%
Interest coverage
4.90▲
2024 · 0.21
Debt ≤ 1 year
€43k▼
2024 · €157k
Debt > 1 year
€291k▲
2024 · €250k
Income taxes
€3k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€683k€629k▼
Fixed assets21/28€527k€502k▼
Tangible fixed assets22/27€525k€501k▼
Land and buildings22€525k€500k▼
Furniture and vehicles24-€922
Financial fixed assets28€2k€2k=
Current assets29/58€156k€127k▼
Stocks and contracts in progress3€42k€59k▲
Stocks30/36€42k€59k▲
Amounts receivable within one year40/41€10k€14k▲
Other amounts receivable41€10k€14k▲
Cash at bank and in hand54/58€102k€53k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€683k€629k▼
Equity10/15€275k€295k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€211k€211k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€152k€152k=
Distributable reserves133€53k€53k=
Profit (loss) carried forward14€2k€22k▲
Amounts payable17/49€408k€334k▼
Amounts payable after more than one year17€250k€291k▲
Financial debts170/4€250k€291k▲
Amounts payable within one year42/48€157k€43k▼
Current portion of amounts payable after more than one year42€43k€21k▼
Trade debts44€17k€17k▲
Suppliers440/4€17k€17k▲
Taxes, remuneration and social security45€28k€2k▼
Taxes450/3€28k€17▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€70k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€26k▲
Other operating charges640/8€52k€4k▼
Gross operating margin9900€55k€64k▲
Operating profit (loss)9901€-4k€34k▲
Financial income75/76B€2k€939▼
Recurring financial income75€2k€939▼
Financial charges65/66B€15k€12k▼
Recurring financial charges65€15k€12k▼
Profit (loss) for the period before taxes9903€-16k€23k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€-17k€20k▲
Profit (loss) for the period to be appropriated9905€-17k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€22k▲
Profit (loss) brought forward from the previous period14P€19k€2k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €234k | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €200k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €29k | €8k | €7k | €26k | ▲ 277% |
| Other operating charges640/8 | €3k | €3k | €5k | €52k | €4k | ▼ 92.3% |
| Gross operating margin9900 | €60k | €62k | €114k | €55k | €64k | ▲ 17.1% |
| Operating profit (loss)9901 | €49k | €30k | €101k | €-4k | €34k | ▲ 979% |
| Financial income75/76B | €2k | €7 | €6k | €2k | €939 | ▼ 61.9% |
| Recurring financial income75 | €2k | €7 | €6k | €2k | €939 | ▼ 61.9% |
| Financial charges65/66B | €4k | €4k | €5k | €15k | €12k | ▼ 16.4% |
| Recurring financial charges65 | €4k | €4k | €5k | €15k | €12k | ▼ 16.4% |
| Profit (loss) for the period before taxes9903 | €47k | €26k | €102k | €-16k | €23k | ▲ 241% |
| Income taxes67/77 | €10k | €7k | €26k | €1k | €3k | ▲ 122% |
| Profit (loss) for the period9904 | €37k | €19k | €76k | €-17k | €20k | ▲ 217% |
| Profit (loss) for the period to be appropriated9905 | €37k | €19k | €76k | €-17k | €20k | ▲ 217% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €381k | €363k | €441k | €683k | €629k | ▼ 7.8% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €193k | €164k | €176k | €527k | €502k | ▼ 4.7% |
| Tangible fixed assets22/27 | €191k | €162k | €175k | €525k | €501k | ▼ 4.7% |
| Land and buildings22 | €191k | €162k | €175k | €525k | €500k | ▼ 4.9% |
| Plant, machinery and equipment23 | €0 | - | - | - | - | - |
| Furniture and vehicles24 | €540 | €216 | €108 | - | €922 | - |
| Financial fixed assets28 | €2k | €2k | €2k | €2k | €2k | = |
| Current assets29/58 | €188k | €199k | €265k | €156k | €127k | ▼ 18.4% |
| Stocks and contracts in progress3 | €47k | €47k | €69k | €42k | €59k | ▲ 40.1% |
| Stocks30/36 | €47k | €47k | €69k | €42k | €59k | ▲ 40.1% |
| Amounts receivable within one year40/41 | €12k | €833 | €833 | €10k | €14k | ▲ 43.9% |
| Trade receivables40 | €0 | - | - | - | - | - |
| Other amounts receivable41 | €12k | €833 | €833 | €10k | €14k | ▲ 43.9% |
| Cash at bank and in hand54/58 | €129k | €151k | €191k | €102k | €53k | ▼ 48.4% |
| Deferred charges and accrued income490/1 | €0 | €104 | €3k | €2k | €2k | ▼ 18.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €381k | €363k | €441k | €683k | €629k | ▼ 7.8% |
| Equity10/15 | €197k | €216k | €293k | €275k | €295k | ▲ 7.3% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | €62k | €62k | €62k | €62k | €62k | = |
| Issued capital100 | €62k | €62k | €62k | €62k | €62k | = |
| Reserves13 | €205k | €205k | €211k | €211k | €211k | = |
| Non-distributable reserves130/1 | - | - | €6k | €6k | €6k | = |
| Legal reserve130 | - | - | €6k | €6k | €6k | = |
| Tax-exempt reserves132 | €152k | €152k | €152k | €152k | €152k | = |
| Distributable reserves133 | €53k | €53k | €53k | €53k | €53k | = |
| Profit (loss) carried forward14 | €-70k | €-51k | €19k | €2k | €22k | ▲ 976% |
| Amounts payable17/49 | €184k | €146k | €148k | €408k | €334k | ▼ 18.1% |
| Amounts payable after more than one year17 | €104k | €74k | €44k | €250k | €291k | ▲ 16.4% |
| Financial debts170/4 | €104k | €74k | €44k | €250k | €291k | ▲ 16.4% |
| Amounts payable within one year42/48 | €80k | €72k | €105k | €157k | €43k | ▼ 72.9% |
| Current portion of amounts payable after more than one year42 | €30k | €30k | €31k | €43k | €21k | ▼ 50.7% |
| Trade debts44 | €25k | €13k | €9k | €17k | €17k | ▲ 3.3% |
| Suppliers440/4 | €25k | €13k | €9k | €17k | €17k | ▲ 3.3% |
| Taxes, remuneration and social security45 | €11k | €29k | €28k | €28k | €2k | ▼ 91.7% |
| Taxes450/3 | €11k | €14k | €28k | €28k | €17 | ▼ 99.9% |
| Remuneration and social security454/9 | - | €15k | - | - | €2k | - |
| Other amounts payable47/48 | €15k | - | €37k | €70k | €2k | ▼ 96.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37k | €19k | €76k | €-17k | €20k | ▲ 217% |
| + Depreciation and write-downs630 | €8k | €29k | €8k | €7k | €26k | ▲ 277% |
| Operating cash flow (approximation) | €45k | €48k | €84k | €-10k | €46k | ▲ 546% |
| Investment in fixed assets (approximation) | - | €0 | €-21k | €-358k | €-1k | ▲ 99.7% |
| Change in cash | - | €22k | €41k | €-89k | €-49k | ▲ 44.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.99
Current ratio from 0.99 to 2.99; short-term debt falls from €157k to €43k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €76k ▲297%
Operating result €101k, net result €76k, both a record.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
31-12
Financial
Equity above €200kEq €216k ▲9.7%
5 profitable years in a row build equity to €216k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
06-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 67 days late
2020
31-12
Financial
Equity above €150kEq €176k ▲21.4%
3 profitable years in a row build equity to €176k.
Show earlier events
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Saint-Ghislain · 1 establishment unit since 1998
Ground area
509 m²
Building footprint
100 m²
Volume, LiDAR
1,153 m³
2 parcels, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
STEPHANIE
since 19982.087.748.123
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53070B0389/00S000 | Wallonia | 393 m² | 1 · 56 m² | 13.6 m · 4 fl. |
| 53070B0342/00K000 | Wallonia | 116 m² | 1 · 44 m² | 13.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 1,034 companies in sector 47721 we hold annual accounts for 582. 418 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded12-06-1998
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
47722Retail trade
Scores and ratios are computed by Checked and are not a credit decision.