STEFAN COMPUTER SERVICES
ActiveSTEFAN COMPUTER SERVICES has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €11k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 8.82 against 11.63 in 2024; short-term debt: 5.5% and cash: 19.2% of total assets), and 5.6% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
94.4%
Return on assets
9.1%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
41 d early
2023
22 d early
2022
34 d early
2021
26 d early
2020
9 d late
2019
31 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 10.7%
2024 · €102k
2018: €41k
2019: €49k
2020: €69k
2021: €80k
2022: €95k
2023: €96k
2024: €102k
2018 → 2025
Total assets
€119k▲ 8.9%
2024 · €109k
2018: €65k
2019: €71k
2020: €96k
2021: €97k
2022: €108k
2023: €104k
2024: €109k
2018 → 2025
Net result
€11k▲ 107%
2024 · €5k
2018: €4k
2019: €8k
2020: €21k
2021: €11k
2022: €15k
2023: €2k
2024: €5k
2018 → 2025
Working capital
€51k▼ 34.7%
2024 · €78k
2018: €35k
2019: €34k
2020: €40k
2021: €66k
2022: €49k
2023: €61k
2024: €78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€95k▲ 18.2%€96k▲ 1.8%€102k▲ 5.5%€113k▲ 10.7%
Operating result€17k-€15k▼ 13.8%€3k▼ 79.5%€8k▲ 166%€15k▲ 89.7%
Net result€11k-€15k▲ 37.6%€2k▼ 88.2%€5k▲ 206%€11k▲ 107%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 90% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€62k▲ 157%
Current assets
€58k▼ 32.7%
Equity and liabilities €119k
Equity
€113k▲ 10.7%
Debt
€7k▼ 15.1%
The debt ratio falls from 7.1% to 5.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▲
2024 · €20k
Cash flow
€23k▲
2024 · €17k
Solvency
94.4%▲
2024 · 92.9%
Current ratio
8.82▼
2024 · 11.63
Quick ratio
4.87▼
2024 · 9.68
Debt / equity
0.06▼
2024 · 0.08
ROE
9.7%▲
2024 · 5.2%
ROA
9.1%▲
2024 · 4.8%
Interest coverage
168.32▲
2024 · 74.15
Debt
€7k▼
2024 · €8k
Debt ≤ 1 year
€7k▼
2024 · €7k
Income taxes
€5k▲
2024 · €3k
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€119k▲
Fixed assets21/28€24k€62k▲
Tangible fixed assets22/27€24k€61k▲
Plant, machinery and equipment23€4k€8k▲
Furniture and vehicles24€20k€53k▲
Financial fixed assets28-€475
Current assets29/58€86k€58k▼
Stocks and contracts in progress3€14k€26k▲
Stocks30/36€14k€26k▲
Amounts receivable within one year40/41€17k€9k▼
Trade receivables40€6k€7k▲
Other amounts receivable41€11k€2k▼
Current investments50/53€571€53▼
Cash at bank and in hand54/58€51k€23k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€109k€119k▲
Equity10/15€102k€113k▲
Contributions10/11€6k€6k=
Reserves13€95k€106k▲
Distributable reserves133€95k€106k▲
Amounts payable17/49€8k€7k▼
Amounts payable within one year42/48€7k€7k▼
Current portion of amounts payable after more than one year42€512-
Financial debts43€930-
Credit institutions430/8€930-
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48-€957
Accrued charges and deferred income492/3€470€110▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€513€591▲
Gross operating margin9900€21k€28k▲
Operating profit (loss)9901€8k€15k▲
Financial income75/76B€86€290▲
Recurring financial income75€86€290▲
Financial charges65/66B€274€166▼
Recurring financial charges65€274€166▼
Profit (loss) for the period before taxes9903€8k€16k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€5k€11k▲
Profit (loss) for the period to be appropriated9905€5k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€11k▲
Transfer to equity691/2€5k€11k▲
To other reserves6921€5k€11k▲
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €102k ▲5.5%
7 profitable years in a row build equity to €102k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €2k ▼88.2%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 7.60
Current ratio from 3.63 to 7.60; short-term debt falls from €15k to €10k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Highest result since 2018net €21k ▲172%
Operating result €30k, net result €21k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brugge · 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.
Marguerite Yourcenarstraat 88000 BruggeGround area
561 m²
Building footprint
159 m²
Volume, LiDAR
801 m³
Parcel 31014B0379/00E000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stefan Computer Services
since 20032.137.690.057
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31014B0379/00E000 | Flanders | 561 m² | 1 · 159 m² | 6.7 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.
Similar companies · same sector, comparable size
LEDOUX INVEST
BE 0426.437.734
Mouscron · Eq €112k
PHONE CORNER ATH
BE 0642.620.743
Tubize · Eq €112k
AXELLERIZE
BE 0797.086.909
Nijlen · Eq €114k
PWRfull
BE 0508.652.558
Antwerpen · Eq €111k
C & N Services
BE 0807.977.138
Pittem · Eq €111k
Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,444 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2003
Fiscal year end31-12
Abbreviation NL
S.C.S.
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
52487
26200Manufacture of computer, electronic and optical products
30020
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72100
72220
72300
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.