Vanderbeck Stéphane
ActiveVanderbeck Stéphane has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €18k. Its solvency ranks better than 62% of 3101 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
84
/ 100
Excellent▲ +36 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency80▲+60
Growth78
Stability94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 0.89 in 2024), and 52.5% of the assets are financed with debt.
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 01
Relative position
BE, all sectors
reference
Sector 01
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
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
47.5%
Return on assets
23.4%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
31 d early
2024
61 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 96.9%
2024 · €18k
2024: €18k
2024 → 2025
Total assets
€75k▼ 30.8%
2024 · €109k
2024: €109k
2024 → 2025
Net result
€18k▲ 33.6%
2024 · €13k
2024: €13k
2024 → 2025
Working capital
€16k
2024 · €-10k
2024: €-10k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€18k-€36k▲ 96.9%
Operating result€18k-€22k▲ 25.7%
Net result€13k-€18k▲ 33.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€20k▼ 31.0%
Current assets
€56k▼ 30.7%
Equity and liabilities €75k
Equity
€36k▲ 96.9%
Debt
€40k▼ 56.3%
The debt ratio falls from 83.3% to 52.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€31k▲
2024 · €31k
Cash flow
€26k▲
2024 · €26k
Solvency
47.5%▲
2024 · 16.7%
Current ratio
1.41▲
2024 · 0.89
Quick ratio
0.78▲
2024 · 0.72
Debt / equity
1.11▼
2024 · 4.99
ROE
49.2%▼
2024 · 72.5%
ROA
23.4%▲
2024 · 12.1%
Interest coverage
570.09▲
2024 · 376.34
Debt
€40k▼
2024 · €91k
Debt ≤ 1 year
€40k▼
2024 · €91k
Income taxes
€4k▲
2024 · €4k
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€109k€75k▼
Fixed assets21/28€28k€20k▼
Tangible fixed assets22/27€22k€13k▼
Plant, machinery and equipment23€22k€13k▼
Financial fixed assets28€6k€6k=
Current assets29/58€81k€56k▼
Stocks and contracts in progress3€15k€25k▲
Stocks30/36€15k€25k▲
Amounts receivable within one year40/41€100€8k▲
Trade receivables40-€8k
Other amounts receivable41€100€532▲
Cash at bank and in hand54/58€65k€22k▼
Deferred charges and accrued income490/1€272€272▼
Equity and liabilities
Total equity and liabilities10/49€109k€75k▼
Equity10/15€18k€36k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€13k€31k▲
Amounts payable17/49€91k€40k▼
Amounts payable within one year42/48€91k€40k▼
Trade debts44€15k€552▼
Suppliers440/4€15k€552▼
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€70k€30k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€9k▼
Other operating charges640/8€1k€521▼
Gross operating margin9900€32k€31k▼
Operating profit (loss)9901€18k€22k▲
Financial income75/76B€154€63▼
Recurring financial income75€154€63▼
Financial charges65/66B€82€54▼
Recurring financial charges65€82€54▼
Profit (loss) for the period before taxes9903€18k€22k▲
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€13k€18k▲
Profit (loss) for the period to be appropriated9905€13k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€31k▲
Profit (loss) brought forward from the previous period14P-€13k
The notes to these accounts (5 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
NBB filing
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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2023
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.
Rue d'Acoz(NAL) 96120 Ham-sur-Heure-NalinnesGround area
1,165 m²
Building footprint
239 m²
Volume, LiDAR
1,318 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vanderbeck Stéphane
since 20232.348.924.185
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058B0359/00Y000 | Wallonia | 822 m² | 1 · 172 m² | 7.7 m · 2 fl. |
| 25008A0122/00K000 | Wallonia | 343 m² | 1 · 67 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteGrez-Doiceau2.348.924.185
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Of 5,163 companies in sector 01110 we hold annual accounts for 611. 338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2023
Fiscal year end31-12
Activities, NACEBEL
01110Growing of cereals (except rice), leguminous crops and oil seeds
01130Growing of vegetables, melons, roots and tubers
01610Support activities for crop production
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:stephane_v68@hotmail.com
E-mail:vanderbeckstephane57@gmail.com
Phone:0475663604