STEF E&C
ActiveSTEF E&C has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139k and a net result of €27k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 61% of 4478 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
98
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+45
Solvency95▲+5
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 1.68 in 2024), and 49.5% 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.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
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
50.5%
Return on assets
9.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
21 d late
2023
30 d early
2022
32 d late
2021
9 d late
2020
107 d late
2019
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€139k▼ 24.0%
2024 · €183k
2018: €41k
2019: €59k
2020: €99k
2021: €130k
2022: €155k
2023: €202k
2024: €183k
2018 → 2025
Total assets
€276k▼ 15.1%
2024 · €325k
2018: €97k
2019: €121k
2020: €172k
2021: €179k
2022: €199k
2023: €351k
2024: €325k
2018 → 2025
Net result
€27k▲ 43.6%
2024 · €19k
2018: €19k
2019: €18k
2020: €47k
2021: €30k
2022: €27k
2023: €47k
2024: €19k
2018 → 2025
Working capital
€125k▲ 31.6%
2024 · €95k
2018: €36k
2019: €51k
2020: €79k
2021: €108k
2022: €133k
2023: €185k
2024: €95k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€155k▲ 19.9%€202k▲ 30.0%€183k▼ 9.3%€139k▼ 24.0%
Operating result€43k-€38k▼ 11.0%€65k▲ 69.3%€32k▼ 50.9%€30k▼ 5.8%
Net result€30k-€27k▼ 12.0%€47k▲ 75.5%€19k▼ 60.1%€27k▲ 43.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 6% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €276k
Fixed assets
€67k▼ 25.8%
Current assets
€209k▼ 11.0%
Equity and liabilities €276k
Equity
€139k▼ 24.0%
Debt
€137k▼ 3.5%
The debt ratio rises from 43.6% to 49.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€55k▲
2024 · €45k
Cash flow
€52k▲
2024 · €31k
Solvency
50.5%▼
2024 · 56.4%
Current ratio
2.48▲
2024 · 1.68
Quick ratio
2.48▲
2024 · 1.68
Debt / equity
0.98▲
2024 · 0.77
ROE
19.2%▲
2024 · 10.2%
ROA
9.7%▲
2024 · 5.7%
Interest coverage
54.55▲
2024 · 16.00
Debt
€137k▼
2024 · €142k
Debt ≤ 1 year
€85k▼
2024 · €140k
Debt > 1 year
€52k
Income taxes
€11k▼
2024 · €11k
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€325k€276k▼
Fixed assets21/28€90k€67k▼
Tangible fixed assets22/27€90k€67k▼
Plant, machinery and equipment23€521€273▼
Furniture and vehicles24€89k€66k▼
Current assets29/58€235k€209k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€14k€5k▼
Trade receivables40€12k€5k▼
Other amounts receivable41€1k€0▼
Current investments50/53€35k€49k▲
Cash at bank and in hand54/58€185k€156k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€325k€276k▼
Equity10/15€183k€139k▼
Contributions10/11€19k€19k=
Reserves13€162k€118k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€160k€116k▼
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€142k€137k▼
Amounts payable after more than one year17-€52k
Financial debts170/4-€52k
Amounts payable within one year42/48€140k€85k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€91k€3k▼
Suppliers440/4€91k€3k▼
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€10k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€46k€72k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€25k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€25k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€47k€56k▲
Operating profit (loss)9901€32k€30k▼
Financial income75/76B€446€9k▲
Recurring financial income75€446€9k▲
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€29k€38k▲
Income taxes67/77€11k€11k▼
Profit (loss) for the period9904€19k€27k▲
Profit (loss) for the period to be appropriated9905€19k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€29k▲
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer from equity791/2€37k€71k▲
Transfer to equity691/2€18k€27k▲
To other reserves6921€18k€27k▲
Profit to be distributed694/7€37k€71k▲
Return on contributions (dividend)694€37k€71k▲
The notes to these accounts (13 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €202k ▲30%
6 profitable years in a row build equity to €202k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Equity above €150kEq €155k ▲19.9%
5 profitable years in a row build equity to €155k.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Equity above €100kEq €130k ▲30.4%
4 profitable years in a row build equity to €130k.
15-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 107 days late
2020
31-12
Financial
Highest result since 2018net €47k ▲166%
Operating result €65k, net result €47k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €18k ▼8.3%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
15-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 15 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Destelbergen · 1 establishment unit since 2003
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.
Steenvoordestraat(HEU) 1539070 DestelbergenGround area
1,033 m²
Building footprint
191 m²
Volume, LiDAR
1,014 m³
Parcel 44028C0661/02G002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Steenvoordestraat(HEU) 153, 9070 Destelbergen
since 20032.131.566.585
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028C0661/02G002 | Flanders | 1,033 m² | 1 · 191 m² | 9.4 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 324 EUR awarded · 324 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 279 EUR | 279 EUR |
| 2024 | 1 | 45 EUR | 45 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
9845008E0E8FDBCY4E95
Similar companies · same sector, comparable size
JATRACO
BE 0804.909.958
Deinze · Eq €139k
KATIA
BE 0422.496.861
Haacht · Eq €139k
OF COMPANY
BE 0737.960.162
Dendermonde · Eq €139k
ALESSIOTRANS
BE 0859.967.653
Zedelgem · Eq €140k
BDX Transports
BE 1016.195.655
Courcelles · Eq €140k
Of 12,446 companies in sector 49410 we hold annual accounts for 8,085. 6,279 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2003
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
70200Business and other management consultancy
70220Business consulting
74142
45204
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.