Thuisverpleging Stefan
ActiveThuisverpleging Stefan has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-21k) and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 16491 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+66
Solvency8▲+8
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.52 against 0.47 in 2024; short-term debt: 93.8% and cash: 6.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-17.2%
Return on assets
15.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 16491 sector peers (2025).
NBB · sector comparisonPosition among 16491 sector peers
Solvency
better than 5%
← weakest
strongest →
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 20-07-2026, 11 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
11 d early
2024
17 d early
2023
26 d late
2022
25 d late
2021
60 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-21k▲ 46.8%
2024 · €-39k
2021: €-2k
2022: €2k
2023: €-23k
2024: €-39k
2021 → 2025
Total assets
€122k▲ 7.2%
2024 · €113k
2021: €167k
2022: €130k
2023: €108k
2024: €113k
2021 → 2025
Net result
€18k
2024 · €-17k
2021: €-8k
2022: €4k
2023: €-25k
2024: €-17k
2021 → 2025
Working capital
€-55k▲ 2.8%
2024 · €-57k
2021: €-132k
2022: €-93k
2023: €-52k
2024: €-57k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€2k€-23k€-39k▼ 72.8%€-21k▲ 46.8%
Operating result€-8k-€9k€-21k€-12k▲ 44.7%€26k
Net result€-8k-€4k€-25k€-17k▲ 32.7%€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €26k after a loss of €12k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€63k▲ 0.2%
Current assets
€59k▲ 15.7%
Key figures and ratios
EBITDA
€45k▲
2024 · €12k
Cash flow
€38k▲
2024 · €7k
Solvency
-17.2%▲
2024 · -34.6%
Current ratio
0.52▲
2024 · 0.47
Quick ratio
0.52▲
2024 · 0.47
Debt / equity
-6.82▼
2024 · -3.89
ROA
15.1%▲
2024 · -14.6%
Interest coverage
6.49▲
2024 · 2.58
Debt
€142k▼
2024 · €153k
Debt ≤ 1 year
€114k▲
2024 · €108k
Debt > 1 year
€28k▼
2024 · €45k
Income taxes
€455▲
2024 · €193
Staff costs
€89k▲
2024 · €11k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€113k€122k▲
Fixed assets21/28€63k€63k▲
Intangible fixed assets21€60k€42k▼
Tangible fixed assets22/27€2k€18k▲
Land and buildings22€1k€1k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€1k€16k▲
Financial fixed assets28-€2k
Current assets29/58€51k€59k▲
Amounts receivable within one year40/41€35k€49k▲
Trade receivables40€35k€49k▲
Cash at bank and in hand54/58€15k€8k▼
Deferred charges and accrued income490/1€958€3k▲
Equity and liabilities
Total equity and liabilities10/49€113k€122k▲
Equity10/15€-39k€-21k▲
Contributions10/11€6k€6k=
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€-50k€-31k▲
Amounts payable17/49€153k€142k▼
Amounts payable after more than one year17€45k€28k▼
Financial debts170/4€45k€28k▼
Amounts payable within one year42/48€108k€114k▲
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€33k€35k▲
Suppliers440/4€33k€35k▲
Taxes, remuneration and social security45€7k€18k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€6k€17k▲
Other amounts payable47/48€52k€44k▼
Income statement
Code20242025
Non-recurring operating income76A€10k-
Remuneration, social security and pensions62€11k€89k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€20k▼
Other operating charges640/8€6k€3k▼
Gross operating margin9900€28k€138k▲
Operating profit (loss)9901€-12k€26k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€-16k€19k▲
Income taxes67/77€193€455▲
Profit (loss) for the period9904€-17k€18k▲
Profit (loss) for the period to be appropriated9905€-17k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-50k€-31k▲
Profit (loss) brought forward from the previous period14P€-33k€-50k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €-25k ▼675%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hasselt
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.
Genkersteenweg 553500 HasseltGround area
421 m²
Building footprint
126 m²
Volume, LiDAR
1,056 m³
Parcel 71323C0398/00F002, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71323C0398/00F002 | Flanders | 421 m² | 1 · 126 m² | 12.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
NURSING CARE
BE 0501.625.503
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Calme et Détente
BE 0533.998.757
Walhain · Eq €2k
FARELL
BE 1030.727.542
Boussu · Eq €2k
Thuisverpleging Maarten Berben
BE 1006.021.543
Oudsbergen · Eq €2k
SATIMARAU
BE 0805.601.628
Ukkel · Eq €2k
Of 5,984 companies in sector 86940 we hold annual accounts for 1,809. 385 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2021
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.