Stéphanie Thys
ActiveStéphanie Thys has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €29k. Equity is growing by ~206.5% per year across the filed fiscal years. Its solvency ranks better than 58% of 9386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +60 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency99▲+12
Growth78▲+46
Stability94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 1.67 in 2024), and 37.5% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
62.5%
Return on assets
55.1%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-04-2026, 4 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
4 d early
2024
18 d early
2023
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 744%
2024 · €4k
2023: €6k
2024: €4k
2023 → 2025
Total assets
€53k▲ 560%
2024 · €8k
2023: €7k
2024: €8k
2023 → 2025
Net result
€29k
2024 · €-3k
2023: €403
2024: €-3k
2023 → 2025
Working capital
€31k▲ 1,030%
2024 · €3k
2023: €5k
2024: €3k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€6k-€4k▼ 39.2%€33k▲ 744%
Operating result€658-€-2k€36k
Net result€403-€-3k€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €36k after a loss of €2k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€2k▲ 62.9%
Current assets
€51k▲ 644%
Equity and liabilities €53k
Equity
€33k▲ 744%
Debt
€20k▲ 384%
The debt ratio falls from 51.1% to 37.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€37k▲
2024 · €-2k
Cash flow
€30k▲
2024 · €-2k
Solvency
62.5%▲
2024 · 48.9%
Current ratio
2.57▲
2024 · 1.67
Quick ratio
2.38▲
2024 · 0.75
Debt / equity
0.60▼
2024 · 1.05
ROE
88.2%▲
2024 · -64.5%
ROA
55.1%▲
2024 · -31.5%
Interest coverage
137.00▲
2024 · -8.45
Debt
€20k▲
2024 · €4k
Debt ≤ 1 year
€20k▲
2024 · €4k
Income taxes
€7k▲
2024 · €-4
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€8k€53k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€7k€51k▲
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€1k€12k▲
Trade receivables40€709€11k▲
Other amounts receivable41€566€355▼
Cash at bank and in hand54/58€2k€35k▲
Equity and liabilities
Total equity and liabilities10/49€8k€53k▲
Equity10/15€4k€33k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-2k€27k▲
Amounts payable17/49€4k€20k▲
Amounts payable within one year42/48€4k€20k▲
Trade debts44€575€9k▲
Suppliers440/4€575€9k▲
Taxes, remuneration and social security45-€7k
Taxes450/3-€7k
Other amounts payable47/48€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€382€901▲
Other operating charges640/8€64€417▲
Gross operating margin9900€-2k€37k▲
Operating profit (loss)9901€-2k€36k▲
Financial income75/76B-€9
Recurring financial income75-€9
Financial charges65/66B€226€269▲
Recurring financial charges65€226€269▲
Profit (loss) for the period before taxes9903€-3k€36k▲
Income taxes67/77€-4€7k▲
Profit (loss) for the period9904€-3k€29k▲
Profit (loss) for the period to be appropriated9905€-3k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€27k▲
Profit (loss) brought forward from the previous period14P€403€-2k▼
The notes to these accounts (5 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
26-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
12-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-3k ▼723%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Tongeren-Borgloon · 1 establishment unit since 2022
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.
Kroonstraat 33840 Tongeren-BorgloonGround area
373 m²
Building footprint
171 m²
Volume, LiDAR
1,347 m³
Parcel 73009F0156/00E000, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Stéphanie Thys
since 20222.333.223.251
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73009F0156/00E000 | Flanders | 373 m² | 1 · 171 m² | 11.4 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 3,911 companies in sector 71112 we hold annual accounts for 1,290. 1,040 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2022
Fiscal year end30-09
Activities, NACEBEL
71112Activities of interior architects
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
74103Other professional, scientific and technical activities
74104Other professional, scientific and technical activities
74109Other professional, scientific and technical activities
74120Graphic design and visual communication
74130Interior design
74140Other specialised design activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.