STEPHANZYCH
ActiveSummary
STEPHANZYCH has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €40k and a net result of €13k. Its solvency ranks better than 68% of 1546 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability94▼-6
Solvency88▲+15
Growth52
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.63 against 1.94 in 2023; short-term debt: 37.3% and cash: 54.1% of total assets), and 37.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
62.7%
Return on assets
20.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-06-2025, 57 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
57 d early
2023
6 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k▼ 47.4%
2023 · €25k
2023: €25k
2024: €13k▼ -47.4% vs 2023
2023 → 2024
Working capital
€39k▲ 43.7%
2023 · €27k
2023: €27k
2024: €39k▲ +43.7% vs 2023
2023 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€27k-€40k▲ 47.8%
2023: €27k
2024: €40k▲ +47.8% vs 2023
Operating result€31k-€18k▼ 43.2%
2023: €31k
2024: €18k▼ -43.2% vs 2023
Net result€25k-€13k▼ 47.4%
2023: €25k
2024: €13k▼ -47.4% vs 2023
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 43% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €65k
Fixed assets
€1k
Current assets
€63k
Equity and liabilities €65k
Equity
€40k ▲ 47.8%
Debt
€24k ▼ 17.1%
Debt's share of the balance-sheet total falls from 51.5% to 37.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k
Cash flow
€13k
Current ratio
2.63▲
2023 · 1.94
Debt to equity
0.60▼
2023 · 1.06
ROE
32.3%▼
2023 · 90.9%
ROA
20.3%▼
2023 · 44.1%
Interest coverage
21.10
Debt ≤ 1 year
€24k▼
2023 · €29k
Income taxes
€4k▼
2023 · €6k
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 · 2024 against 2023 · 33 lines
Balance sheet
Code20232024
Assets
Total assets20/58€56k€65k▲
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Current assets29/58€56k€63k▲
Amounts receivable within one year40/41-€29k
Trade receivables40-€22k
Other amounts receivable41-€6k
Cash at bank and in hand54/58€56k€35k▼
Equity and liabilities
Total equity and liabilities10/49€56k€65k▲
Equity10/15€27k€40k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€25k€38k▲
Amounts payable17/49€29k€24k▼
Amounts payable within one year42/48€29k€24k▼
Trade debts44-€750
Suppliers440/4-€750
Taxes, remuneration and social security45€23k€6k▼
Taxes450/3€23k€6k▼
Other amounts payable47/48€6k€17k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€382
Gross operating margin9900€31k€18k▼
Operating profit (loss)9901€31k€18k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€0€854▲
Recurring financial charges65€0€854▲
Profit (loss) for the period before taxes9903€31k€17k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€25k€13k▼
Profit (loss) for the period to be appropriated9905€25k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€38k▲
Profit (loss) brought forward from the previous period14P-€25k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €382 | - |
| Gross operating margin9900 | €31k | €18k | ▼ 42.0% |
| Operating profit (loss)9901 | €31k | €18k | ▼ 43.2% |
| Financial income75/76B | - | €0 | - |
| Recurring financial income75 | - | €0 | - |
| Financial charges65/66B | €0 | €854 | ▲ 1,423,883% |
| Recurring financial charges65 | €0 | €854 | ▲ 1,423,883% |
| Profit (loss) for the period before taxes9903 | €31k | €17k | ▼ 46.0% |
| Income taxes67/77 | €6k | €4k | ▼ 40.2% |
| Profit (loss) for the period9904 | €25k | €13k | ▼ 47.4% |
| Profit (loss) for the period to be appropriated9905 | €25k | €13k | ▼ 47.4% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €56k | €65k | ▲ 14.3% |
| Fixed assets21/28 | - | €1k | - |
| Tangible fixed assets22/27 | - | €1k | - |
| Furniture and vehicles24 | - | €1k | - |
| Current assets29/58 | €56k | €63k | ▲ 12.4% |
| Amounts receivable within one year40/41 | - | €29k | - |
| Trade receivables40 | - | €22k | - |
| Other amounts receivable41 | - | €6k | - |
| Cash at bank and in hand54/58 | €56k | €35k | ▼ 38.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €56k | €65k | ▲ 14.3% |
| Equity10/15 | €27k | €40k | ▲ 47.8% |
| Contributions10/11 | €3k | €3k | = |
| Profit (loss) carried forward14 | €25k | €38k | ▲ 52.6% |
| Amounts payable17/49 | €29k | €24k | ▼ 17.1% |
| Amounts payable within one year42/48 | €29k | €24k | ▼ 17.1% |
| Trade debts44 | - | €750 | - |
| Suppliers440/4 | - | €750 | - |
| Taxes, remuneration and social security45 | €23k | €6k | ▼ 72.5% |
| Taxes450/3 | €23k | €6k | ▼ 72.5% |
| Other amounts payable47/48 | €6k | €17k | ▲ 192% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €25k | €13k | ▼ 47.4% |
| + Depreciation and write-downs630 | - | €382 | - |
| Operating cash flow (approximation) | €25k | €13k | ▼ 45.9% |
| Change in cash | - | €-22k | - |
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
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 6 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Elsene · 1 establishment unit since 2023
Ground area
492 m²
Building footprint
193 m²
Volume, LiDAR
5,066 m³
Parcel 21445C0262/00P004, Brussels · tallest building 29.8 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
STEPHANZYCH
since 20232.350.263.082
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0262/00P004 | Brussels | 492 m² | 1 · 193 m² | 29.8 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
AT RUNTIME
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JPSanIT
BE 1009.337.854
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SUPVIEW
BE 0740.780.288
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DATAGNOSIS
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The Resonance
BE 1003.742.142
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Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 6,652 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
61200Telecommunications resale and intermediation services
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63910Web portal activities
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.