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STEPHANOFF

Active
Private limited companyfounded 2009active for 17 yearsBredabaan 301, 2930 Brasschaat, BelgiumKBO/BCE: BE 0810.210.217
Summary

STEPHANOFF has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318,349 and a net result of €56,045. Equity has been shrinking by about 4.7% per year since 2018. Its solvency ranks better than 73% of 12,775 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 05-03-2009 Normal situation
Activity
Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716and 2 others
Joint committee
201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2025
Establishment unit
2.177.215.379 2930 Brasschaat, since 03-03-2009
Financial year end
31 December
Peppol
Reachable since 18-09-2025

Board and ownership

Financial position

97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€162,097
▲ 9.9%
Turnover
≈ €760,000
estimated
Profit
€56,045
▼ 4.1%
Equity
€318,349
▲ 21.4%
Total assets
€529,821
▼ 3.1%
Employees on 31-12-2025
2
=
Score breakdownraises riskSector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 2.45, cash €124,034Equity €318,349 (60.1% of total assets)Founded in 2009Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 73% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 85+12
equity 60.1% of total assets
Liquidity 64+4
short-term debt 34.7% · cash 23.4%
Profitability 82=
return on assets 10.6%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025highest value 07-2025: 0.1%● unchanged vs 06-2025lowest value 08-2025: 0.1%● unchanged vs 07-2025lowest value 09-2025: 0.1%● unchanged vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.45 (1.85 in 2024), above the usual 1.5. Short-term debt is 34.7% and cash 23.4% of total assets. 39.9% 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 47, micro). It does better than 73% of them on solvency, 71% on liquidity, 75% on profitability and 74% on growth.

The bankruptcy probability was computed on 01-11-2026 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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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 2.45, cash €124,034
NBB · annual accounts
lowers risk · Equity €318,349 (60.1% of total assets)
NBB · annual accounts
lowers risk · Founded in 2009
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
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 €318,349
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 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
39 days early
2024
36 days early
2023
36 days early
2022
42 days early
2021
41 days early
2020
40 days early
2019
39 days early
← 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 39 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 22 June (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
02-11-2026 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

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 5 profitable years in a rowprofit 2025: €56,045 5 years View

Recent changes

  1. · Gazette deed Resignation: OPHOFF Stephan Hilde Ann Guy (manager)Reappointment: OPHOFF Stephan Hilde Ann Guy (director)
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as STEPHANOFF: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €365,000 and €605,000, founded between 2003 and 2010.

CompanyTotal assetsGross margin
STEPHANOFF Brasschaat€529,821€162,097
GRESI Grobbendonk€506,748€154,037
Pulli Online Sint-Martens-Latem€391,494€153,369
COMADES Kortrijk€596,205€171,175
SOHO CONCEPT Grimbergen€605,065€264,230
ORSELLI Beringen€437,571€119,429
VIA TOSCANA Sint-Pieters-Woluwe€365,114€152,260
Full comparison

Key facts about STEPHANOFF

What is the company number of STEPHANOFF?
The company number of STEPHANOFF is 0810.210.217. The VAT number is the same number with BE in front: BE 0810.210.217.
Where is STEPHANOFF based?
The registered office is at Bredabaan 301, 2930 Brasschaat.Company details
What does STEPHANOFF do?
According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
What is the legal form of STEPHANOFF?
The legal form of STEPHANOFF is Private limited company (BV).
When was STEPHANOFF founded?
STEPHANOFF was founded on 05-03-2009.
Is STEPHANOFF still active?
Yes, STEPHANOFF is an active enterprise in the KBO register.
How many employees does STEPHANOFF have?
STEPHANOFF had an average of 1.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does STEPHANOFF fall under?
In its 2025 annual accounts, STEPHANOFF states joint committee 201 (Paritair Comité voor de zelfstandige kleinhandel).
What is the turnover of STEPHANOFF?
The turnover in financial year 2025 is ≈ €760,000. This figure is estimated from the gross margin of €162,097 and 51 comparable companies (NACE 477). It probably lies between €510,000 and €1.5m.
Is STEPHANOFF profitable?
In financial year 2025, STEPHANOFF made a profit of €56,045.
Where can I find the annual accounts of STEPHANOFF?
STEPHANOFF filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of STEPHANOFF due?
STEPHANOFF must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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