Stephen VAN
ActiveThe computed 12-month bankruptcy probability of Stephen VAN is 2.0% (moderate). The 2024 annual accounts show equity of €11k and a net result of €7k. Its solvency ranks better than 32% of 15868 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability82
Solvency41
Growth-
Track record67
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.95; short-term debt: 36.6% and cash: 5.3% of total assets), and 83.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
16.2%
Return on assets
10.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 1 filingDeviation from the deadline
2024
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€11k
Total assets
€66k
Net result
€7k
Working capital
€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €66k
Fixed assets
€43k
Current assets
€23k
Equity and liabilities €66k
Equity
€11k
Debt
€55k
Debt finances 83.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€27k
Cash flow
€21k
Solvency
16.2%
Current ratio
0.95
Quick ratio
0.95
Debt / equity
5.18
ROE
67.0%
ROA
10.8%
Interest coverage
11.57
Debt
€55k
Debt ≤ 1 year
€24k
Debt > 1 year
€31k
Income taxes
€4k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€66k
Fixed assets21/28€43k
Intangible fixed assets21€24k
Tangible fixed assets22/27€19k
Furniture and vehicles24€19k
Financial fixed assets28€375
Current assets29/58€23k
Amounts receivable within one year40/41€19k
Trade receivables40€18k
Other amounts receivable41€1k
Cash at bank and in hand54/58€3k
Deferred charges and accrued income490/1€357
Equity and liabilities
Total equity and liabilities10/49€66k
Equity10/15€11k
Contributions10/11€4k
Reserves13€7k
Distributable reserves133€7k
Amounts payable17/49€55k
Amounts payable after more than one year17€31k
Financial debts170/4€31k
Amounts payable within one year42/48€24k
Current portion of amounts payable after more than one year42€14k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€5k
Taxes450/3€5k
Other amounts payable47/48€2k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k
Other operating charges640/8€126
Non-recurring operating charges66A€6k
Gross operating margin9900€32k
Operating profit (loss)9901€13k
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€11k
Income taxes67/77€4k
Profit (loss) for the period9904€7k
Profit (loss) for the period to be appropriated9905€7k
Appropriation of the result
Profit (loss) to be appropriated9906€7k
Transfer to equity691/2€7k
To other reserves6921€7k
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
NBB filing
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, Wingene · 1 establishment unit since 2024
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.
Hillesteenweg 438750 WingeneGround area
1,508 m²
Building footprint
211 m²
Volume, LiDAR
882 m³
Parcel 37018F0533/00F000, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Stephen VAN
since 20242.356.280.349
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37018F0533/00F000 | Flanders | 1,508 m² | 1 · 211 m² | 6.5 m · 1 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.
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MB SOLUTION
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IMMOFARIN
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AKME
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Of 732 companies in sector 46820 we hold annual accounts for 388. 55 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2024
Fiscal year end31-12
Activities, NACEBEL
46820Wholesale trade
46120Wholesale trade
46494Wholesale of non-electrical household articles
46649Wholesale of other machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.