VAN ROIE STEFAN
ActiveVAN ROIE STEFAN has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €-2k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-64
Solvency92▲+12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 2.12 in 2024; short-term debt: 33.5% and cash: 21.4% of total assets), and 33.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
66.5%
Return on assets
-4.3%
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 14-04-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
15 d early
2023
47 d early
2022
47 d early
2021
45 d early
2020
38 d early
2019
45 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
€38k▼ 6.1%
2024 · €40k
2018: €30k
2019: €31k
2020: €32k
2021: €34k
2022: €35k
2023: €35k
2024: €40k
2018 → 2025
Total assets
€57k▼ 22.0%
2024 · €73k
2018: €37k
2019: €32k
2020: €40k
2021: €51k
2022: €50k
2023: €40k
2024: €73k
2018 → 2025
Net result
€-2k
2024 · €5k
2018: €819
2019: €824
2020: €878
2021: €3k
2022: €217
2023: €471
2024: €5k
2018 → 2025
Working capital
€35k▼ 3.5%
2024 · €37k
2018: €29k
2019: €29k
2020: €31k
2021: €34k
2022: €35k
2023: €35k
2024: €37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€35k▲ 0.6%€35k▲ 1.4%€40k▲ 14.4%€38k▼ 6.1%
Operating result€4k-€2k▼ 53.3%€772▼ 62.0%€13k▲ 1,590%€-2k
Net result€3k-€217▼ 92.0%€471▲ 117%€5k▲ 975%€-2k
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 €2k after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€2k▼ 33.3%
Current assets
€54k▼ 21.4%
Equity and liabilities €57k
Equity
€38k▼ 6.1%
Debt
€19k▼ 41.7%
The debt ratio falls from 44.8% to 33.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-708▼
2024 · €13k
Cash flow
€-1k▼
2024 · €5k
Solvency
66.5%▲
2024 · 55.2%
Current ratio
2.86▲
2024 · 2.12
Quick ratio
2.86▲
2024 · 2.12
Debt / equity
0.50▼
2024 · 0.81
ROE
-6.5%▼
2024 · 12.6%
ROA
-4.3%▼
2024 · 6.9%
Interest coverage
-2.43▼
2024 · 42.02
Debt
€19k▼
2024 · €33k
Debt ≤ 1 year
€19k▼
2024 · €33k
Income taxes
€272▼
2024 · €8k
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€73k€57k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€69k€54k▼
Amounts receivable within one year40/41€31k€23k▼
Trade receivables40€25k€17k▼
Other amounts receivable41€6k€6k=
Current investments50/53€10k€10k=
Cash at bank and in hand54/58€20k€12k▼
Deferred charges and accrued income490/1€9k€9k=
Equity and liabilities
Total equity and liabilities10/49€73k€57k▼
Equity10/15€40k€38k▼
Contributions10/11€19k€19k=
Reserves13€24k€24k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€-3k€-5k▼
Amounts payable17/49€33k€19k▼
Amounts payable within one year42/48€33k€19k▼
Trade debts44€4k€33▼
Suppliers440/4€4k€33▼
Taxes, remuneration and social security45€10k€1k▼
Taxes450/3€10k€1k▼
Other amounts payable47/48€19k€18k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36€1k▲
Other operating charges640/8€384€387▲
Gross operating margin9900€13k€-321▼
Operating profit (loss)9901€13k€-2k▼
Financial income75/76B€311-
Recurring financial income75€311-
Financial charges65/66B€311€291▼
Recurring financial charges65€311€291▼
Profit (loss) for the period before taxes9903€13k€-2k▼
Income taxes67/77€8k€272▼
Profit (loss) for the period9904€5k€-2k▼
Profit (loss) for the period to be appropriated9905€5k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-5k▼
Profit (loss) brought forward from the previous period14P€-3k€-3k=
Transfer to equity691/2€5k-
To other reserves6921€5k-
The notes to these accounts (4 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
14-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-2k ▼149%
Net result drops to €-2k, the lowest in the series.
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €5k ▲975%
Operating result €13k, net result €5k, both a record.
14-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity doublescurrent ratio 8.12
Current ratio from 3.28 to 8.12; short-term debt falls from €15k to €5k.
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity times 5current ratio 29.20
Current ratio from 5.35 to 29.20; short-term debt falls from €7k to €1k.
12-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Aarschot · 1 establishment unit since 1987
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.
Volkensvoortstraat 113201 AarschotGround area
1,891 m²
Building footprint
178 m²
Volume, LiDAR
854 m³
Parcel 24060A0342/00D000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAN ROIE STEFAN
since 19872.031.056.769
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24060A0342/00D000 | Flanders | 1,891 m² | 1 · 178 m² | 7.2 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.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,337 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-1987
Fiscal year end30-09
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.