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STEPHANIE TOWER

Active
Public limited companyfounded 200718 years activeFranklin Rooseveltlaan 11, 1050 Brussel, BelgiumKBO/BCE: BE 0894.496.386
Summary

STEPHANIE TOWER has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €720,453 and a net result of €197,895. Equity is shrinking by ~16.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Activity
Activity not known
Size
€9.7mtotal assets 2025
Equity
€720,453
Profit
€197,895
Financial health
84 Excellent Checked score 2025
Bankruptcy probability, 12 months
0.4%
Structure
Parent
ENSEMBLE IMMOBILIER · 99.99%
Board
2 members
Accounts 5 days early1 of 9 deeds read
Why 84- Liquidity: current ratio 1.53, cash €11,175- No establishment unit in the KBO- Equity €720,453 (7.4% of total assets)+ Size: total assets €9.7mShow the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 51% of its sector peers (no NACE code, small)
Financial strength · tick = 2024
Weak
Solvency 32+2
equity 7.4% of total assets
Liquidity 50=
short-term debt 6.9% · cash 0.1%
Profitability 42+7
return on assets 2.0%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.2%▲ +0.1 percentage points vs 12-2024 02-2025: 0.5%▲ +0.3 percentage points vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.7%▲ +0.2 percentage points vs 12-2025highest value 02-2026: 0.4%▼ -0.3 percentage points vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.4%● unchanged vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.68 in 2024; short-term debt: 6.9% and cash: 0.1% of total assets), but 92.6% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, small): better than 19% on solvency, 48% on liquidity, 47% on profitability and 90% on growth.

The bankruptcy probability was computed on 06-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €9.7m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.53, cash €11,175
NBB · annual accounts
raises risk · No establishment unit in the KBO
KBO · seat and establishments
raises risk · Equity €720,453 (7.4% of total assets)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €720,453
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
5 days early
2024
14 days early
2023
13 days early
2022
62 days early
2021
46 days early
2020
61 days early
2019
44 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 35 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 18 January (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close07-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Reappointments: Thibaut Dumortier (director) and SA…Permanent representative: Jean De Cloedt
  2. Annual accounts filedfiscal year 2025 · full…
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Positive: Result rose in 2025from €61,232 to €197,895 ▲ 223% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Controlled by ENSEMBLE IMMOBILIERultimately: FINANCIAL ROOSEVELT 99.99% View

By topic

Financials

Fiscal year
2025
Total assets
€9.7m
Profit
€197,895
Solvency
7.4%
Total assets▼ 4.0%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-01-2027
  1. 30-06-2024Equity above €500,000
  2. 18-01-2024Annual accounts filed
  3. 30-06-2023Highest result since 2018
Go to Timeline

Company details

Legal form
Public limited company
Founded
27-12-2007
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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