STEPHSOINS
ActiveSummary
The computed 12-month bankruptcy probability of STEPHSOINS is 2.9% (moderate). The 2025 annual accounts show equity of €31,799 and a net result of €25,799. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Turnover and EBIT margin not published: the micro schema does not require them.
Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.9% 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 497,058 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% | 1.6% |
| 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 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 39,275 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 | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €80 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,879 |
| Other operating charges640/8 | €1,512 |
| Gross operating margin9900 | €50,265 |
| Operating profit (loss)9901 | €35,795 |
| Financial charges65/66B | €2,970 |
| Recurring financial charges65 | €2,970 |
| Profit (loss) for the period before taxes9903 | €32,825 |
| Income taxes67/77 | €7,026 |
| Profit (loss) for the period9904 | €25,799 |
| Profit (loss) for the period to be appropriated9905 | €25,799 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €61,162 | |
| Fixed assets21/28 | €21,371 | |
| Tangible fixed assets22/27 | €21,371 | |
| Furniture and vehicles24 | €21,371 | |
| Current assets29/58 | €39,791 | |
| Amounts receivable within one year40/41 | €32,721 | |
| Other amounts receivable41 | €32,721 | |
| Cash at bank and in hand54/58 | €3,303 | |
| Deferred charges and accrued income490/1 | €3,767 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €61,162 | |
| Equity10/15 | €31,799 | |
| Contributions10/11 | €6,000 | |
| Profit (loss) carried forward14 | €25,799 | |
| Amounts payable17/49 | €29,363 | |
| Amounts payable after more than one year17 | €14,769 | |
| Financial debts170/4 | €14,769 | |
| Amounts payable within one year42/48 | €14,594 | |
| Current portion of amounts payable after more than one year42 | €7,568 | |
| Taxes, remuneration and social security45 | €7,026 | |
| Taxes450/3 | €7,026 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €25,799 |
| + Depreciation and write-downs630 | €12,879 |
| Operating cash flow (approximation) | €38,678 |
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
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.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55015A0164/00L029 | Wallonia | 365 m² | 1 · 53 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.