STEPHAX
InactiveSTEPHAX was declared bankrupt on 12-02-2024 (Tribunal de l’entreprise du Hainaut, division Mons); the bankruptcy was closed for insufficient assets by judgment of 26-05-2025, published in the Belgian State Gazette on 11-06-2025.
Summary
Inactive; last annual accounts for fiscal year 2022.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline25-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 31-08-2023, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
31 d late
2021
23 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2022, micro schema
Equity
€-20k▼ 208%
2021 · €-6k
2021: €-6k
2022: €-20k▼ -208% vs 2021
2021 → 2022
Total assets
€11k▲ 35.4%
2021 · €8k
2021: €8k
2022: €11k▲ +35.4% vs 2021
2021 → 2022
Net result
€-13k▼ 58.2%
2021 · €-8k
2021: €-8k
2022: €-13k▼ -58.2% vs 2021
2021 → 2022
Working capital
€-16k
2021 · €2k
2021: €2k
2022: €-16k▼ -994% vs 2021
2021 → 2022
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022Trend
Equity€-6k-€-20k▼ 208%
2021: €-6k
2022: €-20k▼ -208% vs 2021
Operating result€-8k-€-13k▼ 52.8%
2021: €-8k
2022: €-13k▼ -52.8% vs 2021
Net result€-8k-€-13k▼ 58.2%
2021: €-8k
2022: €-13k▼ -58.2% vs 2021
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2022 against €8k in 2021; the loss grows.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €11k
Fixed assets
€363 =
Current assets
€10k ▲ 37.1%
Key figures and ratios
Solvency
-183.8%▼
2021 · -80.9%
Current ratio
0.40▼
2021 · 1.30
Quick ratio
0.34▼
2021 · 1.13
Debt to equity
-1.54▲
2021 · -2.24
ROA
-124.1%▼
2021 · -106.2%
Debt
€30k▲
2021 · €14k
Debt ≤ 1 year
€26k▲
2021 · €6k
Income taxes
€95
Staff costs
€17k▲
2021 · €11k
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 · 2022 against 2021 · 38 lines
Balance sheet
Code20212022
Assets
Total assets20/58€8k€11k▲
Fixed assets21/28€363€363=
Financial fixed assets28€363€363=
Current assets29/58€8k€10k▲
Stocks and contracts in progress3€1k€2k▲
Stocks30/36€1k€2k▲
Amounts receivable within one year40/41€194€5k▲
Trade receivables40-€221
Other amounts receivable41€194€4k▲
Cash at bank and in hand54/58€6k€3k▼
Deferred charges and accrued income490/1-€904
Equity and liabilities
Total equity and liabilities10/49€8k€11k▲
Equity10/15€-6k€-20k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-8k€-22k▼
Amounts payable17/49€14k€30k▲
Amounts payable within one year42/48€6k€26k▲
Trade debts44€832€14k▲
Suppliers440/4€832€14k▲
Taxes, remuneration and social security45€4k€4k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€1k€8k▲
Accrued charges and deferred income492/3€9k€4k▼
Income statement
Code20212022
Remuneration, social security and pensions62€11k€17k▲
Other operating charges640/8€695€711▲
Gross operating margin9900€4k€5k▲
Operating profit (loss)9901€-8k€-13k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€27€396▲
Recurring financial charges65€27€396▲
Profit (loss) for the period before taxes9903€-8k€-13k▼
Income taxes67/77-€95
Profit (loss) for the period9904€-8k€-13k▼
Profit (loss) for the period to be appropriated9905€-8k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-22k▼
Profit (loss) brought forward from the previous period14P-€-8k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €11k | €17k | ▲ 53.1% |
| Other operating charges640/8 | €695 | €711 | ▲ 2.3% |
| Gross operating margin9900 | €4k | €5k | ▲ 44.1% |
| Operating profit (loss)9901 | €-8k | €-13k | ▼ 52.8% |
| Financial income75/76B | - | €0 | - |
| Recurring financial income75 | - | €0 | - |
| Financial charges65/66B | €27 | €396 | ▲ 1,377% |
| Recurring financial charges65 | €27 | €396 | ▲ 1,377% |
| Profit (loss) for the period before taxes9903 | €-8k | €-13k | ▼ 57.1% |
| Income taxes67/77 | - | €95 | - |
| Profit (loss) for the period9904 | €-8k | €-13k | ▼ 58.2% |
| Profit (loss) for the period to be appropriated9905 | €-8k | €-13k | ▼ 58.2% |
| Line | 2021 | 2022 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €8k | €11k | ▲ 35.4% |
| Fixed assets21/28 | €363 | €363 | = |
| Financial fixed assets28 | €363 | €363 | = |
| Current assets29/58 | €8k | €10k | ▲ 37.1% |
| Stocks and contracts in progress3 | €1k | €2k | ▲ 51.2% |
| Stocks30/36 | €1k | €2k | ▲ 51.2% |
| Amounts receivable within one year40/41 | €194 | €5k | ▲ 2,314% |
| Trade receivables40 | - | €221 | - |
| Other amounts receivable41 | €194 | €4k | ▲ 2,200% |
| Cash at bank and in hand54/58 | €6k | €3k | ▼ 49.3% |
| Deferred charges and accrued income490/1 | - | €904 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €8k | €11k | ▲ 35.4% |
| Equity10/15 | €-6k | €-20k | ▼ 208% |
| Contributions10/11 | €2k | €2k | = |
| Profit (loss) carried forward14 | €-8k | €-22k | ▼ 158% |
| Amounts payable17/49 | €14k | €30k | ▲ 112% |
| Amounts payable within one year42/48 | €6k | €26k | ▲ 351% |
| Trade debts44 | €832 | €14k | ▲ 1,639% |
| Suppliers440/4 | €832 | €14k | ▲ 1,639% |
| Taxes, remuneration and social security45 | €4k | €4k | ▲ 8.9% |
| Taxes450/3 | €2k | €2k | ▲ 1.5% |
| Remuneration and social security454/9 | €1k | €2k | ▲ 21.5% |
| Other amounts payable47/48 | €1k | €8k | ▲ 452% |
| Accrued charges and deferred income492/3 | €9k | €4k | ▼ 49.6% |
| Line | 2021 | 2022 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €-8k | €-13k | ▼ 58.2% |
| Operating cash flow (approximation) | €-8k | €-13k | ▼ 58.2% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €-3k | - |
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
11-06
Bankruptcy
Bankruptcy closure (insufficient assets)
Tribunal de l’entreprise du Hainaut, division Mons · event 26-05-2025
2024
22-02
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Mons · event 12-02-2024
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
SignalNBB filing
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | DAVID DEMOL GRAND PLACE 11, 7090 BRAINE-LE-
COMTE- .
26640 BELGISCH STAATSBLAD — 22.02.2024 — MONITEUR BELGE
Date provisoire de cessation de paiement : 12/02/2024 |
12-02-2024 → 26-05-2025 |