Stephens Motors
ActiveThe computed 12-month bankruptcy probability of Stephens Motors is 1.9% (moderate). The 2025 annual accounts show equity of €2k and a net result of €6k. Its solvency ranks better than 23% of 18281 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+56
Solvency26▲+6
Growth78
Track record82
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0.7%
Return on assets
2.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 18281 sector peers (2025).
NBB · sector comparisonPosition among 18281 sector peers
Solvency
better than 23%
← weakest
strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
7 d early
2024
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k
2024 · €-5k
2024: €-5k
2024 → 2025
Total assets
€238k▲ 153%
2024 · €94k
2024: €94k
2024 → 2025
Net result
€6k
2024 · €-6k
2024: €-6k
2024 → 2025
Working capital
€31k
2024 · €-10k
2024: €-10k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€-5k-€2k
Operating result€-6k-€10k
Net result€-6k-€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238k
Fixed assets
€33k▲ 598%
Current assets
€204k▲ 129%
Equity and liabilities €238k
Equity
€2k
Debt
€236k
Debt finances 99.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€15k▲
2024 · €-5k
Cash flow
€11k▲
2024 · €-5k
Solvency
0.7%▲
2024 · -5.2%
Current ratio
1.18▲
2024 · 0.90
Quick ratio
0.19▲
2024 · 0.10
ROE
408.7%
ROA
2.7%▲
2024 · -6.3%
Interest coverage
5.35▲
2024 · -23.24
Debt
€236k▲
2024 · €99k
Debt ≤ 1 year
€173k▲
2024 · €99k
Debt > 1 year
€61k
Income taxes
€1k
A ratio outside any meaningful range has been withheld (balance sheet total €238k, equity €2k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€94k€238k▲
Fixed assets21/28€5k€33k▲
Tangible fixed assets22/27€4k€33k▲
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€479€24k▲
Other tangible fixed assets26-€3k
Financial fixed assets28€500€500=
Current assets29/58€89k€204k▲
Stocks and contracts in progress3€79k€171k▲
Stocks30/36€79k€171k▲
Amounts receivable within one year40/41€2k€284▼
Trade receivables40€2k€0▼
Other amounts receivable41€212€284▲
Cash at bank and in hand54/58€7k€30k▲
Deferred charges and accrued income490/1€382€3k▲
Equity and liabilities
Total equity and liabilities10/49€94k€238k▲
Equity10/15€-5k€2k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€-6k€590▲
Amounts payable17/49€99k€236k▲
Amounts payable after more than one year17-€61k
Financial debts170/4-€61k
Amounts payable within one year42/48€99k€173k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Advances received on contracts in progress46€3k€0▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€92k€158k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€869€5k▲
Other operating charges640/8€130€63▼
Gross operating margin9900€-5k€15k▲
Operating profit (loss)9901€-6k€10k▲
Financial income75/76B€14€267▲
Recurring financial income75€14€267▲
Financial charges65/66B€208€3k▲
Recurring financial charges65€208€3k▲
Profit (loss) for the period before taxes9903€-6k€8k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-6k€6k▲
Profit (loss) for the period to be appropriated9905€-6k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€590▲
Profit (loss) brought forward from the previous period14P-€-6k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Vilvoorde · 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.
Leliestraat 211800 VilvoordeGround area
463 m²
Building footprint
101 m²
Volume, LiDAR
584 m³
Parcel 23643G0263/00C002, Flanders · tallest building 20.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stephens Motors
since 20242.354.900.771
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23643G0263/00C002 | Flanders | 463 m² | 1 · 101 m² | 20.4 m · 2 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.
Similar companies · same sector, comparable size
ETS. BROUILLARD
BE 0471.481.861
Chièvres · Eq €1k
Lavi Works
BE 0757.834.670
Mol · Eq €1k
A&O DISTRIBUTION
BE 0757.586.430
Grâce-Hollogne · Eq €1k
Sven Motoren
BE 0756.550.015
Tongeren-Borgloon · Eq €2k
DV Services
BE 0474.100.267
Mouscron · Eq €2k
Of 1,128 companies in sector 47830 we hold annual accounts for 468. 50 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2024
Fiscal year end31-12
Activities, NACEBEL
45402
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.