Dr. Stefanie Verhelst
ActiveSummary
The computed 12-month bankruptcy probability of Dr. Stefanie Verhelst is 1.9% (moderate). The 2025 annual accounts show equity of €308k and a net result of €265k. Equity is growing by ~112.8% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+62
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 11.88 against 1.04 in 2024; short-term debt: 6.5% and cash: 66.3% of total assets), and 16.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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
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
83.2%
Return on assets
71.5%
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 02-06-2026, 59 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
59 d early
2024
137 d late
2023
37 d early
2022
34 d early
2021
32 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€308k▲ 611%
2024 · €43k
2021: €11k
2022: €64k
2023: €168k
2024: €43k
2021 → 2025
Total assets
€370k▲ 12.3%
2024 · €330k
2021: €19k
2022: €119k
2023: €321k
2024: €330k
2021 → 2025
Net result
€265k▲ 51.0%
2024 · €175k
2021: €8k
2022: €53k
2023: €104k
2024: €175k
2021 → 2025
Working capital
€261k▲ 3,056%
2024 · €8k
2021: €11k
2022: €-12k
2023: €147k
2024: €8k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€64k▲ 461%€168k▲ 163%€43k▼ 74.2%€308k▲ 611%
Operating result€12k-€72k▲ 474%€139k▲ 93.7%€232k▲ 67.1%€354k▲ 52.4%
Net result€8k-€53k▲ 525%€104k▲ 98.0%€175k▲ 68.6%€265k▲ 51.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €370k
Fixed assets
€85k ▼ 7.2%
Current assets
€285k ▲ 19.8%
Equity and liabilities €370k
Equity
€308k ▲ 611%
Debt
€62k ▼ 78.3%
Debt's share of the balance-sheet total falls from 86.9% to 16.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€362k▲
2024 · €240k
Cash flow
€272k▲
2024 · €183k
Current ratio
11.88▲
2024 · 1.04
Debt to equity
0.20▼
2024 · 6.61
ROE
85.9%▼
2024 · 404.9%
ROA
71.5%▲
2024 · 53.2%
Interest coverage
139.48▲
2024 · 100.33
Debt ≤ 1 year
€24k▼
2024 · €230k
Debt > 1 year
€38k▼
2024 · €57k
Income taxes
€87k▲
2024 · €55k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€330k€370k▲
Fixed assets21/28€92k€85k▼
Tangible fixed assets22/27€13k€7k▼
Plant, machinery and equipment23€812€1k▲
Furniture and vehicles24€12k€5k▼
Financial fixed assets28€78k€78k=
Current assets29/58€238k€285k▲
Amounts receivable within one year40/41-€40k
Other amounts receivable41-€40k
Cash at bank and in hand54/58€238k€245k▲
Equity and liabilities
Total equity and liabilities10/49€330k€370k▲
Equity10/15€43k€308k▲
Contributions10/11€3k€3k=
Reserves13€40k€305k▲
Distributable reserves133€40k€305k▲
Amounts payable17/49€286k€62k▼
Amounts payable after more than one year17€57k€38k▼
Financial debts170/4€57k€38k▼
Amounts payable within one year42/48€230k€24k▼
Current portion of amounts payable after more than one year42€19k€19k▼
Trade debts44€4k-
Suppliers440/4€4k-
Taxes, remuneration and social security45€83k€5k▼
Taxes450/3€79k€2k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€124k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8-€171
Gross operating margin9900€240k€362k▲
Operating profit (loss)9901€232k€354k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€230k€352k▲
Income taxes67/77€55k€87k▲
Profit (loss) for the period9904€175k€265k▲
Profit (loss) for the period to be appropriated9905€175k€265k▲
Appropriation of the result
Profit (loss) to be appropriated9906€175k€265k▲
Transfer from equity791/2€300k-
Transfer to equity691/2€175k€265k▲
To other reserves6921€175k€265k▲
Profit to be distributed694/7€300k-
Return on contributions (dividend)694€300k-
The notes to these accounts (7 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €265k ▲51%
Operating result €354k, net result €265k, both a record.
31-12
Financial
Liquidity times 11current ratio 11.88
Current ratio from 1.04 to 11.88; short-term debt falls from €230k to €24k.
31-12
Financial
Equity above €200kEq €308k ▲611%
5 profitable years in a row build equity to €308k.
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 137 days late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 7current ratio 2.91
Current ratio from 0.42 to 2.91.
31-12
Financial
Equity above €150kEq €168k ▲163%
3 profitable years in a row build equity to €168k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Keerbergen · 1 establishment unit since 2020
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.
Vlieghavenlaan 373140 KeerbergenGround area
2,755 m²
Building footprint
176 m²
Volume, LiDAR
2,872 m³
Parcel 24472F0453/00L000, Flanders · tallest building 23.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Stefanie Verhelst
since 20202.306.409.877
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472F0453/00L000 | Flanders | 2,755 m² | 1 · 176 m² | 23.1 m · 6 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-2020
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.