Van Mieghem Stefan
ActiveThe computed 12-month bankruptcy probability of Van Mieghem Stefan is 2.5% (moderate). The 2025 annual accounts show equity of €32k and a net result of €-19k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 27711 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
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-30
Solvency65▼-32
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 3.1 in 2024; short-term debt: 34.1% and cash: 27.8% of total assets), but 60.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
39.8%
Return on assets
-23.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-03-2026, 51 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
51 d early
2024
160 d early
2023
169 d early
2022
34 d early
2021
24 d early
2020
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▼ 62.7%
2024 · €87k
2020: €52k
2021: €64k
2022: €83k
2023: €94k
2024: €87k
2020 → 2025
Total assets
€81k▼ 32.7%
2024 · €121k
2020: €82k
2021: €154k
2022: €150k
2023: €144k
2024: €121k
2020 → 2025
Net result
€-19k
2024 · €10k
2020: €20k
2021: €13k
2022: €18k
2023: €11k
2024: €10k
2020 → 2025
Working capital
€19k▼ 65.1%
2024 · €54k
2020: €30k
2021: €45k
2022: €61k
2023: €76k
2024: €54k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€83k▲ 28.5%€94k▲ 13.4%€87k▼ 7.6%€32k▼ 62.7%
Operating result€18k-€25k▲ 34.9%€16k▼ 34.9%€15k▼ 6.4%€-18k
Net result€13k-€18k▲ 45.5%€11k▼ 39.8%€10k▼ 5.0%€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €18k after €15k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€35k▼ 14.7%
Current assets
€47k▼ 41.8%
Equity and liabilities €81k
Equity
€32k▼ 62.7%
Debt
€49k▲ 43.8%
The debt ratio rises from 28.2% to 60.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€21k▲
2024 · €17k
Cash flow
€20k▲
2024 · €12k
Solvency
39.8%▼
2024 · 71.8%
Current ratio
1.68▼
2024 · 3.10
Quick ratio
1.68▼
2024 · 3.10
Debt / equity
1.51▲
2024 · 0.39
ROE
-59.6%▼
2024 · 12.1%
ROA
-23.7%▼
2024 · 8.7%
Interest coverage
14.38▲
2024 · 12.28
Debt
€49k▲
2024 · €34k
Debt ≤ 1 year
€28k▲
2024 · €26k
Debt > 1 year
€20k▲
2024 · €7k
Income taxes
€184▼
2024 · €3k
Staff costs
€0▼
2024 · €2k
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€121k€81k▼
Fixed assets21/28€40k€35k▼
Tangible fixed assets22/27€40k€35k▼
Plant, machinery and equipment23€1k€672▼
Furniture and vehicles24€39k€34k▼
Current assets29/58€80k€47k▼
Amounts receivable within one year40/41€12k€21k▲
Trade receivables40€584€7k▲
Other amounts receivable41€11k€13k▲
Cash at bank and in hand54/58€67k€23k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€121k€81k▼
Equity10/15€87k€32k▼
Contributions10/11€32k€32k=
Reserves13€55k€20k▼
Distributable reserves133€55k€20k▼
Profit (loss) carried forward14€0€-19k▼
Amounts payable17/49€34k€49k▲
Amounts payable after more than one year17€7k€20k▲
Financial debts170/4€7k€20k▲
Amounts payable within one year42/48€26k€28k▲
Current portion of amounts payable after more than one year42€17k€14k▼
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€37€10▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€3k€3k▼
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€39k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€20k€23k▲
Operating profit (loss)9901€15k€-18k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€14k€-19k▼
Income taxes67/77€3k€184▼
Profit (loss) for the period9904€10k€-19k▼
Profit (loss) for the period to be appropriated9905€10k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-19k▼
Transfer from equity791/2€18k€35k▲
Transfer to equity691/2€10k€0▼
To other reserves6921€10k€0▼
Profit to be distributed694/7€18k€35k▲
Return on contributions (dividend)694€18k€35k▲
The notes to these accounts (9 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
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-19k ▼284%
Net result drops to €-19k, the lowest in the series.
2024
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
13-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-03
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.
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2019
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.
Luitenant Van Eepoelstraat(BEV) 1029120 Beveren-Kruibeke-ZwijndrechtGround area
492 m²
Building footprint
105 m²
Volume, LiDAR
558 m³
Parcel 46003B0631/00D002, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Van Mieghem Stefan B.V.
since 20192.294.558.853
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46003B0631/00D002 | Flanders | 492 m² | 1 · 105 m² | 7.5 m · 2 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesVan Mieghem Stefan BV40249
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Of 4,013 companies in sector 43310 we hold annual accounts for 1,745. 1,461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2019
Fiscal year end30-09
Activities, NACEBEL
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:stefanvanmieghem@outlook.com
Phone:+32473473550