STEPHIMMO
ActiveSummary
The computed 12-month bankruptcy probability of STEPHIMMO is 2.5% (moderate). The 2024 annual accounts show equity of €242,333 and a net result of €239,547. Equity is growing by ~3% per year across the filed fiscal years. The company has been active since 2004 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
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Signals
This company filed its last 6 accounts on average 18 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
History
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Financials · fiscal year 2024, micro schema
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Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,100 | €5,100 | €5,100 | €5,100 | - | - |
| Other operating charges640/8 | - | €879 | €2,696 | €981 | €544 | ▼ 44.6% |
| Gross operating margin9900 | €12,886 | €6,918 | €9,310 | €3,169 | -€20,017 | ▼ 732% |
| Operating profit (loss)9901 | €6,911 | €939 | €1,514 | -€2,912 | -€20,560 | ▼ 606% |
| Financial income75/76B | - | - | - | - | €346,900 | - |
| Recurring financial income75 | - | - | - | - | €346,900 | - |
| Non-recurring financial income76B | - | - | - | - | €346,900 | - |
| Financial charges65/66B | - | €2,467 | €2,229 | €364 | €67 | ▼ 81.5% |
| Recurring financial charges65 | €2,781 | €2,467 | €2,229 | €364 | €67 | ▼ 81.5% |
| Profit (loss) for the period before taxes9903 | €4,130 | -€1,528 | -€716 | -€3,276 | €326,272 | ▲ 10,059% |
| Transfer to deferred taxes680 | - | - | - | - | €86,725 | - |
| Income taxes67/77 | €764 | - | - | - | - | - |
| Profit (loss) for the period9904 | €3,367 | -€1,528 | -€716 | -€3,276 | €239,547 | ▲ 7,412% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €260,175 | - |
| Profit (loss) for the period to be appropriated9905 | €3,367 | -€1,528 | -€716 | -€3,276 | -€20,628 | ▼ 530% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €122,588 | €114,539 | €108,200 | €103,100 | €329,880 | ▲ 220% |
| Fixed assets21/28 | €118,400 | €113,300 | €108,200 | €103,100 | - | - |
| Tangible fixed assets22/27 | €118,400 | €113,300 | €108,200 | €103,100 | - | - |
| Land and buildings22 | - | €113,300 | €108,200 | €103,100 | - | - |
| Current assets29/58 | €4,188 | €1,239 | - | - | €329,880 | - |
| Amounts receivable within one year40/41 | €4,086 | - | - | - | €134,868 | - |
| Other amounts receivable41 | - | - | - | - | €134,868 | - |
| Cash at bank and in hand54/58 | - | - | - | - | €195,000 | - |
| Deferred charges and accrued income490/1 | - | €1,239 | - | - | €13 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €122,588 | €114,539 | €108,200 | €103,100 | €329,880 | ▲ 220% |
| Equity10/15 | €8,304 | €6,777 | €6,061 | €2,785 | €242,333 | ▲ 8,601% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €6 | €6 | €6 | €6 | €260,181 | ▲ 4,336,250% |
| Non-distributable reserves130/1 | - | €6 | €6 | €6 | €6 | = |
| Reserves not available under the articles1311 | - | €6 | €6 | €6 | €6 | = |
| Tax-exempt reserves132 | - | - | - | - | €260,175 | - |
| Profit (loss) carried forward14 | €2,098 | €571 | -€145 | -€3,421 | -€24,048 | ▼ 603% |
| Provisions and deferred taxes16 | - | - | - | - | €86,725 | - |
| Deferred taxes168 | - | - | - | - | €86,725 | - |
| Amounts payable17/49 | €114,284 | €107,763 | €102,139 | €100,315 | €823 | ▼ 99.2% |
| Amounts payable within one year42/48 | €114,284 | €107,763 | €102,139 | €100,315 | €823 | ▼ 99.2% |
| Financial debts43 | - | €14,390 | €14,438 | - | €23 | - |
| Credit institutions430/8 | - | €14,390 | €14,438 | - | €23 | - |
| Trade debts44 | €7,968 | €17,066 | €16,282 | €4,984 | €500 | ▼ 90.0% |
| Suppliers440/4 | - | €17,066 | €16,282 | €4,984 | €500 | ▼ 90.0% |
| Taxes, remuneration and social security45 | - | €764 | - | - | - | - |
| Taxes450/3 | - | €764 | - | - | - | - |
| Other amounts payable47/48 | - | €75,542 | €71,419 | €95,331 | €300 | ▼ 99.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,367 | -€1,528 | -€716 | -€3,276 | €239,547 | ▲ 7,412% |
| + Depreciation and write-downs630 | €5,100 | €5,100 | €5,100 | €5,100 | - | - |
| Operating cash flow (approximation) | €8,467 | €3,573 | €4,385 | €1,824 | €239,547 | ▲ 13,034% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - | - |
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
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About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
2 parcels
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332D0016/00C013 | Brussels | 177 m² | 1 · 121 m² | 16.9 m · 5 fl. |
| 21005A0319/00Y002 | Brussels | 156 m² | 1 · 88 m² | 15.4 m · 4 fl. |
Linked by address, not proof of ownership
Identification & contact
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.