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VAN HOLDER STEPHAN

Active
Private limited companyfounded 200125 yrs activeGodveerdegemstraat 58, 9620 Zottegem, BelgiumKBO/BCE: BE 0473.760.470
Summary

VAN HOLDER STEPHAN has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.1m and a net result of €304,889. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 11770 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
VAN HOLDER STEPHANActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of pharmaceutical products
NACE 47730Warehousing and support activities for transportation NACE 52310
1 site
Size
€1.5mtotal assets 2025
Staff
3.4 FTE
Equity
€1.1m
Profit
€304,889
Turnover not published (abridged schema)
Financial health
98 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Board
1 member
Auditor: Debrabandere - Van BrabandtAccounts 123 d early2 of 5 deeds read
Why 98- Sector Retail trade (NACE 47)+ Liquidity: current ratio 3.60, cash €323,496+ Equity €1.1m (74.8% of total assets)+ Founded in 2001Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Better than 83% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+21
equity 74.8% of total assets
Liquidity 73+3
short-term debt 17.1% · cash 21.9%
Profitability 95+8
return on assets 20.7%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%▼ -4.3% vs 02-2025 04-2025: 0.1%▲ +7.3% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%▲ +0.8% vs 05-2025 07-2025: 0.2%▲ +47.1% vs 06-2025highest value 08-2025: < 0.1%▼ -72.6% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%▼ -2.1% vs 02-2026 04-2026: < 0.1%▼ -17.0% vs 03-2026lowest value 05-2026: < 0.1%● 0.0% vs 04-2026lowest value 06-2026: < 0.1%● 0.0% vs 05-2026lowest value 07-2026: < 0.1%● 0.0% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 3.60, cash €323,496 lowers the probability
  • Equity €1.1m (74.8% of total assets) lowers the probability
  • Founded in 2001 lowers the probability for this profile
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €100,000 at 30 days acceptable
Liquidity ample (current ratio 3.6 against 3.22 in 2024; short-term debt: 17.1% and cash: 21.9% of total assets), and 25.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 84%, liquidity 79%, profitability 89%, growth against the median 81%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 3.60, cash €323,496
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €1.1m (74.8% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2001
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
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 30-03-2026, 123 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
123 d early
2024
29 d early
2023
30 d late
2022
28 d early
2021
48 d early
2020
31 d early
2019
32 d early
← 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 37 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 2 July (4 of the last 5 filed years within 60 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Capital & shares · RestructuringPermanent representatives: Lieselore Debrabandere and…
  2. RestructuringAppointment: DEBRABANDERE - VAN BRABANDT…
  3. Annual accounts filedfiscal year 2025 · abbreviated…

Key points

  • Caution: Board changedlatest change 19-08-2026 · 1 in office 1 joined · 2 left View
  • Positive: Among the best 7% on net resultsector median €28,653 · 11,758 companies €304,889 View
  • Positive: 8 profitable years in a rowprofit 2025: €304,889 8 years View
  • Branch transferred to VH DS Investcontribution on 30-07-2026 2026 View
  • Positive: Result rose in 2025from €221,501 to €304,889 ▲ 37.6% View

By topic

Financials

Fiscal year
2025
Total assets
€1.5m
Profit
€304,889
Solvency
74.8%
Total assets▼ 4.9%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 19-08-2026Capital & shares · Restructuring
  2. 25-06-2026Restructuring
  3. 30-03-2026Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of pharmaceutical productsNACE 47730
Founded
09-01-2001
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
6
Purpose
1.Het administratief en commercieel beheer van één of meer apotheken uitgebaat onder het…
Go to Articles of association

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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 What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark

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