stephmeli
ActiveSummary
stephmeli has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €483,716 and a net result of €21,076. Equity is growing by ~55.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability74▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 17.78 against 13.23 in 2023; short-term debt: 4.1% and cash: 37.8% of total assets), and 8.3% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
91.7%
Return on assets
4%
Age of the figures
21 mo
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
19 d late
2023
65 d late
2021
31 d late
2020
30 d late
2019
91 d late
2018
204 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 56 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 August (4 of the last 5 filed years within 36 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2024, abbreviated schema
Equity
€483,716▲ 4.6%
2023 · €462,640
Total assets
€527,568▲ 1.0%
2023 · €522,208
Net result
€21,076▼ 29.9%
2023 · €30,071
Working capital
€365,437▲ 6.2%
2023 · €344,043
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120232024
Operating result-€14,368-€35,826▼ 149%€123,983€42,967-€21,191▼ 50.7%
Net result-€17,601-€36,744below the sector's middle half▼ 109%€103,250within the sector's middle half€30,071within the sector's middle half-€21,076within the sector's middle half▼ 29.9%
Equity€46,477▼ 27.5%€9,733below the sector's middle half▼ 79.1%€112,983within the sector's middle half▲ 1,061%€462,640within the sector's middle half-€483,716within the sector's middle half▲ 4.6%
Total assets€427,261▼ 6.9%€257,387below the sector's middle half▼ 39.8%€244,442below the sector's middle half▼ 5.0%€522,208within the sector's middle half-€527,568within the sector's middle half▲ 1.0%
Debt€380,784▼ 3.6%€247,654▼ 35.0%€131,459▼ 46.9%€59,568-€43,852▼ 26.4%
Working capital-€45,919-€156,874below the sector's middle half▼ 242%€27,129within the sector's middle half€344,043within the sector's middle half-€365,437within the sector's middle half▲ 6.2%
Solvency10.9%▼ 3.1pp3.8%below the sector's middle half▼ 7.1pp46.2%within the sector's middle half▲ 42.4pp88.6%above the sector's middle half-91.7%above the sector's middle half▲ 3.1pp
Current ratio0.79▼ 0.610.36below the sector's middle half▼ 0.431.21within the sector's middle half▲ 0.8413.23above the sector's middle half-17.78above the sector's middle half▲ 4.56
Return on assets (ROA)-4.1%▼ 7.4pp-14.3%below the sector's middle half▼ 10.2pp42.2%above the sector's middle half▲ 56.5pp5.8%within the sector's middle half-4.0%within the sector's middle half▼ 1.8pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 51% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €527,568
Fixed assets
€140,357 ▼ 6.4%
Current assets
€387,211 ▲ 4.0%
Equity and liabilities €527,568
Equity
€483,716 ▲ 4.6%
Debt
€43,852 ▼ 26.4%
Debt's share of the balance-sheet total falls from 11.4% to 8.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34,757▼
2023 · €55,136
Cash flow
€34,642▼
2023 · €42,240
Debt to equity
0.09▼
2023 · 0.13
ROE
4.4%▼
2023 · 6.5%
Interest coverage
19.25▼
2023 · 27.39
Debt ≤ 1 year
€21,774▼
2023 · €28,142
Debt > 1 year
€21,654▼
2023 · €31,426
Income taxes
€9,529▼
2023 · €14,937
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 14,732 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.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €82,143 | €86,643 | €82,143 | €12,168 | €13,566 | ▲ 11.5% |
| Other operating charges640/8 | - | - | €400 | €1,855 | €523 | ▼ 71.8% |
| Gross operating margin9900 | €68,172 | €51,164 | €206,526 | €56,990 | €35,280 | ▼ 38.1% |
| Operating profit (loss)9901 | -€14,368 | -€35,826 | €123,983 | €42,967 | €21,191 | ▼ 50.7% |
| Financial income75/76B | - | - | €1,390 | €4,054 | €11,220 | ▲ 177% |
| Recurring financial income75 | - | - | €1,390 | €4,054 | €11,220 | ▲ 177% |
| Non-recurring financial income76B | - | - | €1,390 | - | - | - |
| Financial charges65/66B | - | - | €1,040 | €2,013 | €1,806 | ▼ 10.3% |
| Recurring financial charges65 | €6,080 | €3,994 | €1,040 | €2,013 | €1,806 | ▼ 10.3% |
| Profit (loss) for the period before taxes9903 | -€20,448 | -€39,820 | €124,333 | €45,008 | €30,605 | ▼ 32.0% |
| Income taxes67/77 | -€2,847 | -€3,076 | €21,083 | €14,937 | €9,529 | ▼ 36.2% |
| Profit (loss) for the period9904 | -€17,601 | -€36,744 | €103,250 | €30,071 | €21,076 | ▼ 29.9% |
| Profit (loss) for the period to be appropriated9905 | -€17,601 | -€36,744 | €103,250 | €30,071 | €21,076 | ▼ 29.9% |
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €427,261 | €257,387 | €244,442 | €522,208 | €527,568 | ▲ 1.0% |
| Fixed assets21/28 | €250,140 | €167,997 | €85,854 | €150,023 | €140,357 | ▼ 6.4% |
| Intangible fixed assets21 | €164,286 | €82,143 | - | - | - | - |
| Tangible fixed assets22/27 | €1,800 | €1,800 | €1,800 | €118,491 | €108,825 | ▼ 8.2% |
| Land and buildings22 | - | - | - | €69,162 | €67,478 | ▼ 2.4% |
| Furniture and vehicles24 | - | - | €1,800 | €49,330 | €41,347 | ▼ 16.2% |
| Financial fixed assets28 | €84,054 | €84,054 | €84,054 | €31,532 | €31,532 | = |
| Current assets29/58 | €177,121 | €89,390 | €158,588 | €372,184 | €387,211 | ▲ 4.0% |
| Stocks and contracts in progress3 | €104,500 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €64,135 | €80,229 | €135,645 | €76,090 | €185,268 | ▲ 143% |
| Trade receivables40 | - | - | €57,745 | - | - | - |
| Other amounts receivable41 | - | - | €77,900 | €76,090 | €185,268 | ▲ 143% |
| Current investments50/53 | - | - | - | €150,000 | - | - |
| Cash at bank and in hand54/58 | €8,486 | €9,161 | €22,943 | €146,094 | €199,669 | ▲ 36.7% |
| Deferred charges and accrued income490/1 | - | - | - | - | €2,274 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €427,261 | €257,387 | €244,442 | €522,208 | €527,568 | ▲ 1.0% |
| Equity10/15 | €46,477 | €9,733 | €112,983 | €462,640 | €483,716 | ▲ 4.6% |
| Contributions10/11 | €6,500 | - | €6,500 | €6,500 | €6,500 | = |
| Reserves13 | €1,860 | €1,860 | €101,860 | €431,860 | €451,860 | ▲ 4.6% |
| Non-distributable reserves130/1 | - | - | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | - | - | - |
| Distributable reserves133 | - | - | €100,000 | €431,860 | €451,860 | ▲ 4.6% |
| Profit (loss) carried forward14 | €38,117 | €1,373 | €4,623 | €24,280 | €25,356 | ▲ 4.4% |
| Amounts payable17/49 | €380,784 | €247,654 | €131,459 | €59,568 | €43,852 | ▼ 26.4% |
| Amounts payable after more than one year17 | €157,616 | - | - | €31,426 | €21,654 | ▼ 31.1% |
| Financial debts170/4 | - | - | - | €31,426 | €21,654 | ▼ 31.1% |
| Amounts payable within one year42/48 | €223,040 | €246,264 | €131,459 | €28,142 | €21,774 | ▼ 22.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €9,390 | €9,772 | ▲ 4.1% |
| Taxes, remuneration and social security45 | - | - | €14,416 | €7,171 | €795 | ▼ 88.9% |
| Taxes450/3 | - | - | €12,003 | €4,655 | €795 | ▼ 82.9% |
| Remuneration and social security454/9 | - | - | €2,413 | €2,516 | - | - |
| Other amounts payable47/48 | - | - | €117,043 | €11,581 | €11,207 | ▼ 3.2% |
| Accrued charges and deferred income492/3 | - | - | - | - | €424 | - |
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€17,601 | -€36,744 | €103,250 | €30,071 | €21,076 | ▼ 29.9% |
| + Depreciation and write-downs630 | €82,143 | €86,643 | €82,143 | €12,168 | €13,566 | ▲ 11.5% |
| Operating cash flow (approximation) | €64,542 | €49,899 | €185,393 | €42,240 | €34,642 | ▼ 18.0% |
| Investment in fixed assets (approximation) | - | -€4,500 | -€0 | - | -€3,900 | - |
| Change in cash | - | €675 | €13,782 | - | €53,575 | - |
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
Next filing, fiscal year 2026, expected by
2026
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 65 days late
2023
31-12
Financial
Liquidity times 11current ratio 13.23
Current ratio from 1.21 to 13.23; short-term debt falls from €131,459 to €28,142.
31-12
Financial
Equity above €200,000Eq €462,640 ▲309%
2 profitable years in a row build equity to €462,640.
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €103,250
Net result €103,250 after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.21
Current ratio from 0.36 to 1.21; short-term debt falls from €246,264 to €131,459.
31-12
Financial
Equity above €100,000Eq €112,983 ▲1,061%
Equity rises from €9,733 to €112,983.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet -€36,744
Net result drops to -€36,744, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
Show earlier events
20-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 204 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 17 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
15-11
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 107 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Grimbergen
Ground area
765 m²
Building footprint
197 m²
Volume, LiDAR
1,155 m³
Parcel 23036B0253/00F000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23036B0253/00F000 | Flanders | 765 m² | 1 · 197 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 82,641 companies in sector 70200 we hold annual accounts for 52,636. 34,948 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-04-2006
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0880747132
Also
9925:BE0880747132
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.