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STEPHANIE NAGELS

Active
Private limited companyfounded 2009active for 16 yearsVestinglaan 34, 2860 Sint-Katelijne-Waver, BelgiumKBO/BCE: BE 0820.992.855
Summary

The computed 12-month bankruptcy probability of STEPHANIE NAGELS is 1.6% (moderate). The 2025 annual accounts show equity of €64,970 and a net result of -€10,367. Equity has been growing by about 2.7% per year since 2018. Its solvency ranks better than 75% of 5,718 sector peers (NACE 96, financial year 2025). The company has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 20-11-2009 Normal situation
Activity
Other personal services NACE 96999and 3 others
Establishment unit
2.184.043.387 2860 Sint-Katelijne-Waver, since 20-11-2009
Financial year end
31 December
Peppol
Reachable since 20-10-2025

Board and ownership

Board
  • Nagels StephanieDirector

Financial position

55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.6%
Annual accounts 2025
Gross margin
-€12,720
▼ 4.5%
Loss
€10,367
▼ 2.4%
Equity
€64,970
▼ 13.8%
Total assets
€110,728
▲ 21.0%
  • 2025 accounts filed 18 days after the deadline
Turnover not published (micro format)
Score breakdownraises risk1 change of registered office in 24 monthsLiquidity: current ratio 2.33, cash €23, halvedLoss of €10,367, the second in a row (financial year 2025)lowers riskSize: total assets €110,728Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 36% of micro companies in personal services (NACE 96)
Financial strength · tick: 2024
Weak
Solvency 84-16
equity 58.7% of total assets
Liquidity 30-16
short-term debt 41.3% · cash 0.0%
Profitability 7+3
return on assets -9.4%
Bankruptcy probability within 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,626 companies, NACE 96, micro)
Last 24 months 12-2024: 0.7% 01-2025: 0.7%● unchanged vs 12-2024 02-2025: 0.7%● unchanged vs 01-2025 03-2025: 0.6%▼ -0.1 percentage points vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025lowest value 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025 08-2025: 0.9%▲ +0.2 percentage points vs 07-2025 09-2025: 1.3%▲ +0.4 percentage points vs 08-2025 10-2025: 1.3%● unchanged vs 09-2025 11-2025: 1.3%● unchanged vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.3%● unchanged vs 01-2026 03-2026: 2.5%▲ +1.2 percentage points vs 02-2026 04-2026: 2.7%▲ +0.2 percentage points vs 03-2026 05-2026: 2.8%▲ +0.1 percentage points vs 04-2026 06-2026: 2.7%▼ -0.1 percentage points vs 05-2026 07-2026: 2.8%▲ +0.1 percentage points vs 06-2026 08-2026: 3.3%▲ +0.5 percentage points vs 07-2026highest value 09-2026: 1.6%▼ -1.7 percentage points vs 08-2026 10-2026: 1.6%● unchanged vs 09-2026 11-2026: 1.6%● unchanged vs 10-2026
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.33 (5.53 in 2024), above the usual 1.5. Short-term debt is 41.3% and cash 0% of total assets. 41.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 75% of them on solvency, 23% on liquidity, 20% on profitability and 27% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Liquidity: current ratio 2.33, cash €23, halved
NBB · annual accounts
raises risk · Loss of €10,367, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Size: total assets €110,728
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€10,367
raises risk · 2025 accounts filed 18 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
18 days late
2024
21 days late
2023
30 days late
2022
31 days late
2021
61 days late
2020
30 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 40 days after the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 4 loss-making years in a rowloss in financial year 2025 -€10,367 View
  • Caution: Lower net result than 86% of companies in personal servicessector median €2,796 · 5,725 companies -€10,367 View

Recent changes

  1. · Gazette deed Registered office moved from Bonheiden to Sint-Katelijne-WaverNew seat: Vestinglaan 34, 2860 Sint-Katelijne-Waver · Previous seat: Lange Dreef 82, 2820 Bonheiden
  2. · Gazette deed Incorporation
All 14 events

Comparable companies

These companies have the same main activity as STEPHANIE NAGELS: other personal services (NACE 96999). They are comparable in size and age: total assets between €77,100 and €151,000, founded between 2005 and 2012.

CompanyTotal assetsGross margin
STEPHANIE NAGELS Sint-Katelijne-Waver€110,728-€12,720
Genderatwork Jette€124,239-€4,477
N&I Elsene€99,848-€1,913
KIDANI Brasschaat€77,118-€15,268
EmailR Sint-Lambrechts-Woluwe€151,082€633
EUROPEAN ASSOCIATION OF COMMUNICATION DIRECTORS Brussel€86,294-€9,711
Outdoorteam Jabbeke€78,050-€63,914
Full comparison

Key facts about STEPHANIE NAGELS

What is the company number of STEPHANIE NAGELS?
The company number of STEPHANIE NAGELS is 0820.992.855. The VAT number is the same number with BE in front: BE 0820.992.855.
Where is STEPHANIE NAGELS based?
The registered office is at Vestinglaan 34, 2860 Sint-Katelijne-Waver.Company details
What does STEPHANIE NAGELS do?
According to the KBO register, the main activity is other personal services (NACE 96999).
What is the legal form of STEPHANIE NAGELS?
The legal form of STEPHANIE NAGELS is Private limited company (BV).
When was STEPHANIE NAGELS founded?
STEPHANIE NAGELS was founded on 20-11-2009.
Is STEPHANIE NAGELS still active?
Yes, STEPHANIE NAGELS is an active enterprise in the KBO register.
What is the turnover of STEPHANIE NAGELS?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
Is STEPHANIE NAGELS profitable?
In financial year 2025, STEPHANIE NAGELS made a loss of €10,367.
Where can I find the annual accounts of STEPHANIE NAGELS?
STEPHANIE NAGELS filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of STEPHANIE NAGELS due?
STEPHANIE NAGELS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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