StephY
ActiveSummary
The computed 12-month bankruptcy probability of StephY is 5.3% (elevated). The 2025 annual accounts show equity of €37,249 and a net result of €14,882. Equity is growing by ~58.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 13484 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+19
Solvency93▲+24
Growth78=
Track record100
Bankruptcy probability, 12 months
5.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.54 against 1.42 in 2024; short-term debt: 32.5% and cash: 69.7% of total assets), and 32.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67.5%
Return on assets
27%
Age of the figures
9 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 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
13 d early
2023
22 d late
2022
20 d early
2021
11 d early
2020
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit simulator 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 2025, micro schema
Equity
€37,249▲ 66.5%
2024 · €22,367
Total assets
€55,151▲ 7.7%
2024 · €51,217
Net result
€14,882▲ 200%
2024 · €4,955
Working capital
€27,507▲ 129%
2024 · €12,027
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€15,667€25,583▲ 63.3%€4,266▼ 83.3%€7,280▲ 70.7%€20,615▲ 183%
Net result€13,751€20,384▲ 48.2%€2,537▼ 87.6%€4,955▲ 95.4%€14,882▲ 200%
Equity-€5,509▲ 71.4%€14,875€17,411▲ 17.1%€22,367▲ 28.5%€37,249▲ 66.5%
Total assets€91,170▲ 6.7%€69,199▼ 24.1%€51,922▼ 25.0%€51,217▼ 1.4%€55,151▲ 7.7%
Debt€96,679▼ 7.7%€54,324▼ 43.8%€34,511▼ 36.5%€28,850▼ 16.4%€17,902▼ 37.9%
Working capital-€30,613▲ 35.0%-€4,392▲ 85.7%€3,809€12,027▲ 216%€27,507▲ 129%
Staff (FTE)0.9▲ 350%2.6▲ 189%1.7▼ 34.6%1.6▼ 5.9%2.6▲ 62.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 183% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55,151
Fixed assets
€9,741 ▼ 5.8%
Current assets
€45,410 ▲ 11.1%
Equity and liabilities €55,151
Equity
€37,249 ▲ 66.5%
Debt
€17,902 ▼ 37.9%
Debt's share of the balance-sheet total falls from 56.3% to 32.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21,214▲
2024 · €15,222
Cash flow
€15,481▲
2024 · €12,897
Current ratio
2.54▲
2024 · 1.42
Quick ratio
2.43▲
2024 · 1.35
Debt to equity
0.48▼
2024 · 1.29
ROE
40.0%▲
2024 · 22.2%
ROA
27.0%▲
2024 · 9.7%
Interest coverage
122.08▲
2024 · 108.17
Debt ≤ 1 year
€17,902▼
2024 · €28,850
Income taxes
€5,641▲
2024 · €2,219
Staff costs
€22,128▲
2024 · €9,496
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 5.3% 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 26,964 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €8,717 | €14,027 | €10,486 | €9,496 | €22,128 | ▲ 133% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,413 | €14,892 | €14,892 | €7,942 | €599 | ▼ 92.5% |
| Other operating charges640/8 | €174 | €1,095 | €112 | €1,090 | €1,040 | ▼ 4.7% |
| Gross operating margin9900 | €38,971 | €55,597 | €29,755 | €25,808 | €44,381 | ▲ 72.0% |
| Operating profit (loss)9901 | €15,667 | €25,583 | €4,266 | €7,280 | €20,615 | ▲ 183% |
| Financial income75/76B | €246 | €58 | €2 | €34 | €81 | ▲ 136% |
| Recurring financial income75 | €246 | €58 | €2 | €34 | €81 | ▲ 136% |
| Financial charges65/66B | €2,162 | €776 | €622 | €141 | €174 | ▲ 23.5% |
| Recurring financial charges65 | €2,162 | €776 | €622 | €141 | €174 | ▲ 23.5% |
| Profit (loss) for the period before taxes9903 | €13,751 | €24,865 | €3,645 | €7,174 | €20,523 | ▲ 186% |
| Income taxes67/77 | - | €4,481 | €1,109 | €2,219 | €5,641 | ▲ 154% |
| Profit (loss) for the period9904 | €13,751 | €20,384 | €2,537 | €4,955 | €14,882 | ▲ 200% |
| Profit (loss) for the period to be appropriated9905 | €13,751 | €20,384 | €2,537 | €4,955 | €14,882 | ▲ 200% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €91,170 | €69,199 | €51,922 | €51,217 | €55,151 | ▲ 7.7% |
| Fixed assets21/28 | €48,066 | €33,174 | €18,282 | €10,340 | €9,741 | ▼ 5.8% |
| Intangible fixed assets21 | €1,950 | €1,170 | €390 | - | - | - |
| Tangible fixed assets22/27 | €36,854 | €22,742 | €8,629 | €1,078 | €479 | ▼ 55.6% |
| Land and buildings22 | €29,596 | €17,812 | €6,028 | €0 | - | - |
| Plant, machinery and equipment23 | €4,051 | €2,967 | €1,883 | €1,054 | €479 | ▼ 54.5% |
| Furniture and vehicles24 | €3,207 | €1,963 | €718 | €24 | - | - |
| Financial fixed assets28 | €9,263 | €9,263 | €9,263 | €9,263 | €9,263 | = |
| Current assets29/58 | €43,104 | €36,025 | €33,640 | €40,877 | €45,410 | ▲ 11.1% |
| Stocks and contracts in progress3 | €3,000 | €1,807 | €1,807 | €1,807 | €1,957 | ▲ 8.3% |
| Stocks30/36 | €3,000 | €1,807 | €1,807 | €1,807 | €1,957 | ▲ 8.3% |
| Amounts receivable within one year40/41 | - | - | - | €5,245 | €5,000 | ▼ 4.7% |
| Trade receivables40 | - | - | - | €245 | - | - |
| Other amounts receivable41 | - | - | - | €5,000 | €5,000 | = |
| Cash at bank and in hand54/58 | €40,104 | €34,218 | €31,833 | €33,825 | €38,453 | ▲ 13.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €91,170 | €69,199 | €51,922 | €51,217 | €55,151 | ▲ 7.7% |
| Equity10/15 | -€5,509 | €14,875 | €17,411 | €22,367 | €37,249 | ▲ 66.5% |
| Profit (loss) carried forward14 | -€5,509 | €14,875 | €17,411 | €22,367 | €37,249 | ▲ 66.5% |
| Amounts payable17/49 | €96,679 | €54,324 | €34,511 | €28,850 | €17,902 | ▼ 37.9% |
| Amounts payable after more than one year17 | €22,962 | €13,908 | €4,680 | - | - | - |
| Financial debts170/4 | €22,962 | €13,908 | €4,680 | - | - | - |
| Amounts payable within one year42/48 | €73,717 | €40,416 | €29,831 | €28,850 | €17,902 | ▼ 37.9% |
| Current portion of amounts payable after more than one year42 | €16,030 | €12,200 | €11,683 | €6,284 | - | - |
| Trade debts44 | €2,018 | €2,127 | €9,405 | €7,940 | €218 | ▼ 97.3% |
| Suppliers440/4 | €2,018 | €2,127 | €9,405 | €7,940 | €218 | ▼ 97.3% |
| Taxes, remuneration and social security45 | €5,669 | €10,590 | €8,744 | €13,088 | €16,146 | ▲ 23.4% |
| Taxes450/3 | €4,180 | €10,090 | €7,445 | €11,627 | €14,089 | ▲ 21.2% |
| Remuneration and social security454/9 | €1,489 | €500 | €1,299 | €1,461 | €2,057 | ▲ 40.8% |
| Other amounts payable47/48 | €50,000 | €15,500 | - | €1,538 | €1,538 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,751 | €20,384 | €2,537 | €4,955 | €14,882 | ▲ 200% |
| + Depreciation and write-downs630 | €14,413 | €14,892 | €14,892 | €7,942 | €599 | ▼ 92.5% |
| Operating cash flow (approximation) | €28,164 | €35,276 | €17,429 | €12,897 | €15,481 | ▲ 20.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€5,886 | -€2,384 | €1,992 | €4,627 | ▲ 132% |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €20,384 ▲48.2%
Operating result €25,583, net result €20,384, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €13,751
Net result €13,751 after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2019
Ground area
91 m²
Building footprint
90 m²
Volume, LiDAR
1,209 m³
Parcel 21013B0040/00E007, Brussels · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
StephY
since 20192.290.717.356
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0040/00E007 | Brussels | 91 m² | 1 · 90 m² | 19.2 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis2.290.717.356
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Of 14,005 companies in sector 56301 we hold annual accounts for 4,893. 4,100 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
Founded13-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
47252Retail sale of beverages, general range
47761Retail sale of flowers, plants, seeds and fertilisers
85592Vocational training
E-invoicing
Reachable via Peppol
Peppol ID
0208:0728472869
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.