Stebofisc
ActiveStebofisc is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €218k and a net result of €37k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 5495 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-10-2025, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
2 d early
2023
33 d early
2022
7 d early
2021
2 d early
2020
6 d late
2019
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€218k▲ 20.5%
2024 · €180k
2019: €180k
2020: €180k
2021: €173k
2022: €183k
2023: €201k
2024: €180k
2019 → 2025
Net result
€37k
2024 · €-21k
2019: €27k
2020: €-320
2021: €-6k
2022: €10k
2023: €18k
2024: €-21k
2019 → 2025
Total assets
€896k▼ 1.0%
2024 · €906k
2019: €735k
2020: €722k
2021: €712k
2022: €706k
2023: €698k
2024: €906k
2019 → 2025
Solvency
24.3%▲ 4.3pp
2024 · 19.9%
2019: 24.5%
2020: 24.9%
2021: 24.4%
2022: 25.9%
2023: 28.9%
2024: 19.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€183k▲ 5.6%€201k▲ 10.0%€180k▼ 10.4%€218k▲ 20.5%
Operating result€10k-€26k▲ 176%€41k▲ 54.9%€5k▼ 86.9%€57k▲ 974%
Net result€-6k-€10k€18k▲ 89.6%€-21k€37k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 974% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €896k
Fixed assets
€879k▼ 1.5%
Current assets
€18k▲ 28.3%
Equity and liabilities €896k
Equity
€218k▲ 20.5%
Debt
€679k▼ 6.4%
The debt ratio falls from 80.1% to 75.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
24.3%▲
2024 · 19.9%
ROE
17.0%▲
2024 · -11.6%
ROA
4.1%▲
2024 · -2.3%
Debt
€679k▼
2024 · €725k
Debt ≤ 1 year
€286k▼
2024 · €387k
Debt > 1 year
€390k▲
2024 · €335k
Income taxes
€440
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€906k€896k▼
Fixed assets21/28€892k€879k▼
Tangible fixed assets22/27€642k€629k▼
Land and buildings22€642k€629k▼
Financial fixed assets28€250k€250k=
Current assets29/58€14k€18k▲
Amounts receivable within one year40/41€10k€10k▼
Trade receivables40€10k€10k▼
Current investments50/53€540€540=
Cash at bank and in hand54/58€2k€6k▲
Deferred charges and accrued income490/1€495€521▲
Equity and liabilities
Total equity and liabilities10/49€906k€896k▼
Equity10/15€180k€218k▲
Contributions10/11€12k€12k=
Reserves13€168k€205k▲
Distributable reserves133€168k€205k▲
Amounts payable17/49€725k€679k▼
Amounts payable after more than one year17€335k€390k▲
Financial debts170/4€335k€390k▲
Amounts payable within one year42/48€387k€286k▼
Current portion of amounts payable after more than one year42€28k€54k▲
Financial debts43€128k-
Credit institutions430/8€128k-
Trade debts44€5k€5k=
Suppliers440/4€5k€5k=
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€7k€8k▲
Other amounts payable47/48€219k€219k=
Accrued charges and deferred income492/3€4k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€13k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€54k€72k▲
Operating profit (loss)9901€5k€57k▲
Financial income75/76B-€15k
Recurring financial income75-€15k
Financial charges65/66B€26k€35k▲
Recurring financial charges65€26k€35k▲
Profit (loss) for the period before taxes9903€-21k€37k▲
Income taxes67/77-€440
Profit (loss) for the period9904€-21k€37k▲
Profit (loss) for the period to be appropriated9905€-21k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€37k▲
Transfer from equity791/2€21k-
Transfer to equity691/2-€37k
To other reserves6921-€37k
The notes to these accounts (14 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
2025
26-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
31-03
Financial
Equity above €200kEq €218k ▲20.5%
Equity rises from €180k to €218k.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-21k ▼214%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Equity above €200kEq €201k ▲10%
2 profitable years in a row build equity to €201k.
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 6 days late
2019
16-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-09
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
7 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, Mol · 1 establishment unit since 2006
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.
Leeuwerikheide 862400 MolGround area
1,201 m²
Building footprint
229 m²
Volume, LiDAR
1,748 m³
Parcel 13025G1097/00E003, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEBOFISC
since 20062.252.770.263
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13025G1097/00E003 | Flanders | 1,201 m² | 1 · 229 m² | 12.1 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 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2001
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
68201Renting and operating of own or leased residential real estate, excluding social housing
70322
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.