Stephiou Infi
ActiveStephiou Infi has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €112k and a net result of €60k. Its solvency ranks better than 76% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.96 against 4.14 in 2023; short-term debt: 13.9% and cash: 6% of total assets), and 13.9% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
37 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€112k▲ 115%
2023 · €52k
2023: €52k
2023 → 2024
Total assets
€131k▲ 92.3%
2023 · €68k
2023: €68k
2023 → 2024
Net result
€60k▲ 24.9%
2023 · €48k
2023: €48k
2023 → 2024
Working capital
€109k▲ 120%
2023 · €49k
2023: €49k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€52k-€112k▲ 115%
Operating result€63k-€76k▲ 21.0%
Net result€48k-€60k▲ 24.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 21% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €131k
Fixed assets
€4k▲ 36.8%
Current assets
€127k▲ 94.6%
Equity and liabilities €131k
Equity
€112k▲ 115%
Debt
€18k▲ 15.7%
The debt ratio falls from 23.2% to 13.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€77k▲
2023 · €63k
Cash flow
€61k▲
2023 · €49k
Solvency
86.1%▲
2023 · 76.8%
Current ratio
6.96▲
2023 · 4.14
Quick ratio
6.96▲
2023 · 4.14
Debt / equity
0.16▼
2023 · 0.30
ROE
53.6%▼
2023 · 92.3%
ROA
46.1%▼
2023 · 70.9%
Interest coverage
73.34▲
2023 · 36.58
Debt
€18k▲
2023 · €16k
Debt ≤ 1 year
€18k▲
2023 · €16k
Income taxes
€16k▲
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€68k€131k▲
Fixed assets21/28€3k€4k▲
Tangible fixed assets22/27€3k€4k▲
Plant, machinery and equipment23€3k€4k▲
Current assets29/58€65k€127k▲
Amounts receivable after more than one year29-€51k
Other amounts receivable291-€51k
Amounts receivable within one year40/41€52k€52k▼
Other amounts receivable41€52k€52k▼
Cash at bank and in hand54/58€1k€8k▲
Deferred charges and accrued income490/1€12k€16k▲
Equity and liabilities
Total equity and liabilities10/49€68k€131k▲
Equity10/15€52k€112k▲
Contributions10/11€4k€4k=
Outside capital11€4k€4k=
Other1109/19€4k€4k=
Reserves13€48k€108k▲
Distributable reserves133€48k€108k▲
Amounts payable17/49€16k€18k▲
Amounts payable within one year42/48€16k€18k▲
Trade debts44€2k€995▼
Suppliers440/4€2k€995▼
Taxes, remuneration and social security45€14k€17k▲
Taxes450/3€14k€17k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€394€1k▲
Other operating charges640/8€1k€657▼
Gross operating margin9900€64k€78k▲
Operating profit (loss)9901€63k€76k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€61k€76k▲
Income taxes67/77€13k€16k▲
Profit (loss) for the period9904€48k€60k▲
Profit (loss) for the period to be appropriated9905€48k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€60k▲
Transfer to equity691/2€48k€60k▲
To other reserves6921€48k€60k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €112k ▲115%
2 profitable years in a row build equity to €112k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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
Registered office, La Louvière · 1 establishment unit since 2023
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.
Rue Achille Chavée(L.L) 527100 La LouvièreGround area
1,029 m²
Building footprint
745 m²
Volume, LiDAR
10,843 m³
2 parcels, Wallonia · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Stephiou Infi
since 20232.342.446.169
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55022A0434/00T005 | Wallonia | 909 m² | 1 · 691 m² | 19.2 m · 5 fl. |
| 55373B0002/00A007 | Wallonia | 120 m² | 1 · 54 m² | 10.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
2549007HK09G39ZY6A16
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Of 5,984 companies in sector 86940 we hold annual accounts for 1,808. 1,521 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2023
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress 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.