STEPHEX SERVICE
The computed 12-month bankruptcy probability of STEPHEX SERVICE is 0.8% (low). The 2025 annual accounts show negative equity (€-405k) and a net result of €-467k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 39 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €-405k |
| Net result | €-467k |
| Staff (FTE) | 6.6 |
| Better than sector | 12% |
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
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The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -4.5% | 39.9% | |
| Net result | €-467k | €70k | |
| Equity | €-405k | €485k | |
| Gross operating margin | €297k | €415k | |
| Staff costs | €503k | €289k |
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €-396k |
| Net profit | €-467k |
| Cash flow | €-449k |
| Staff costs | €503k |
| Income taxes | - |
| Dividends | - |
| Total assets | €9.02M |
| Equity | €-405k |
| Debt | €9.42M |
| of which ≤ 1y | €1.36M |
| of which > 1y | €8.06M |
| Working capital | €7.57M |
| Employees (FTE) | 6.6 |
| 2025 | |
|---|---|
| Current ratio | 6.55 |
| Quick ratio | 6.02 |
| Working capital ratio | 84.0% |
| Solvency | -4.5% |
| Debt / equity | -23.24 |
| Long-term debt ratio | -19.87 |
| Interest coverage | -1.40 |
| Gross margin | - |
| Net margin | - |
| ROA | -5.2% |
| ROE | 115.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €9.02M |
| Fixed assets | 21/28 | €76k |
| Tangible fixed assets | 22/27 | €76k |
| Current assets | 29/58 | €8.94M |
| Stocks & contracts in progress | 3 | €733k |
| Amounts receivable within one year | 40/41 | €1.72M |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €9.02M |
| Equity | 10/15 | €-405k |
| Contributions / capital | 10/11 | €6k |
| Reserves | 13 | €49k |
| Accumulated profits (losses) | 14 | €-460k |
| Amounts payable | 17/49 | €9.42M |
| Amounts payable after one year | 17 | €8.06M |
| Amounts payable within one year | 42/48 | €1.36M |
| Trade debts payable within one year | 44 | €1.05M |
| Income statement | ||
| Gross operating margin | 9900 | €297k |
| Operating result | 9901 | €-414k |
| Financial income | 75 | €230k |
| Financial charges | 65 | €283k |
| Result before taxes | 9903 | €-467k |
| Net result for the period | 9904 | €-467k |
| Result to be appropriated | 9905 | €-467k |
-
STEPHEX HOLDINGLegal entityDirector· perm. rep.: CONTER StephanState Gazette act 24002917 (05-01-2024)Current05-01-2024 → present
Historic, not recently confirmed (1)
-
DEFI Management SPRLLegal entityManaging director· perm. rep.: Delestrée DavidState Gazette act 14211163 (21-11-2014)Not recently confirmedlast confirmed in an act from 2014
Former directors (5)
-
Former08-12-2021 → 05-01-2024
2 events
- 05-01-2024 Resigned· Manager
- 08-12-2021 Appointed· Director
-
Former08-12-2021 → 05-01-2024
2 events
- 05-01-2024 Resigned· Manager
- 08-12-2021 Appointed· Director
-
Former08-12-2021 → 05-01-2024
2 events
- 05-01-2024 Resigned· Manager
- 08-12-2021 Appointed· Director
-
Former- → 04-08-2014
-
Former- → 04-08-2014
| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| SD BedrijfsrevisorenCurrent Statutory auditor · represented by Gerre Debraekeer |
- | 04-05-2023 → present |
| Bvba Ravert, Stevens & C° Statutory auditor · represented by Luc Ravert succeeded by SD Bedrijfsrevisoren in 2023 |
- | 17-05-2019 → 04-05-2023 |
| Luc Ravert Commissaire succeeded by Bvba Ravert, Stevens & C° in 2019 |
- | 15-03-2016 → 17-05-2019 |
| NACE primary | Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)(95311) |
| Legal form | Private limited company(610) |
| Incorporation | 31-03-2014 |
| Status | Active |
| Postal code | 1861 |
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602I0172/00M005 | Flanders | 2,825 m² | 1 · 720 m² | 6.9 m · 2 fl. |
| 23093E0199/00F000 | Flanders | 557 m² | - | - |
| 23602I0172/00K002 | Flanders | 445 m² | 1 · 185 m² | 4.4 m · 1 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
24-04-2026 Act object · Officer resignation · Permanent representative
- Filing: 2026-04-17 · Stephex Service
- Publication: 2026-04-24 · Stephex Service
- Act object: Intrekking bevoegdheden bijzonder gevolmachtigde · Stephex Service
- Officer resignation: date: 2025-09-30, role: bijzonder gevolmachtigde voor het dagelijks bestuur · Ellen Van Guyse
- Permanent representative: role: vast vertegenwoordigd door · Stephan Conter
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}04-08-2025 Gerre Debraekeer reappointed as statutory auditor
- Gerre Debraekeer, Commissaris
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}05-01-2024 1 director appointed, 3 resigning
- CONTER Stephan, Bestuurder
- CONTER Stephan, Zaakvoerder
- CONTER Zoë, Zaakvoerder
- CONTER Emilie, Zaakvoerder
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}04-05-2023 Kristien Stevens reappointed as statutory auditor
- Kristien Stevens, Commissaris
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}06-01-2022 3 directors appointed
- Stephan CONTER, Bestuurder
- Zoé CONTER, Bestuurder
- Emilie CONTER, Bestuurder
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}17-05-2019 Luc Ravert reappointed as statutory auditor
- Luc Ravert, Commissaris
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}03-01-2018 Articles of association amended
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}10-11-2017 Registered office moved from Genappe to Wolvertem
- Rue Emile François 13-14, 74 Genappe → Lovegemstraat 8, 1861 Wolvertem
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}15-03-2016 Publication in the Belgian Official Gazette, Minor change
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}21-11-2014 1 director appointed, 2 resigning
- Delestrée David, Gedelegeerd bestuurder
- Le Saouet Marie-Armel, Gedelegeerd bestuurder
- Palluaud Philippe, Gedelegeerd bestuurder
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}15-04-2014 Incorporation of a new SRL
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"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1969-10-03",
"name": "Philippe Palluaud",
"niss": null,
"address": "41150 Mesland (France), La Mailleterie"
},
"share_class": "ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 3100,
"holder_person_name": "Philippe Palluaud",
"is_subscriber_only": false,
"n_shares_subscribed": 100,
"amount_subscribed_eur": 9275,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1972-01-18",
"name": "Marie-Armel Le Saout",
"niss": null,
"address": "41150 Mesland (France), La Mailleterie"
},
"share_class": "ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 3100,
"holder_person_name": "Marie-Armel Le Saout",
"is_subscriber_only": false,
"n_shares_subscribed": 100,
"amount_subscribed_eur": 9275,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 18550,
"subject_company": {
"kbo": "0549.984.456",
"name_full": "EQUITRANS",
"legal_form": "SRL"
},
"initial_directors": [],
"incorporation_date": "2014-03-31",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
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