STEFANDAK
ActiveSummary
STEFANDAK has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €-11k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 44% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-25
Solvency67▲+2
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.39 in 2024; short-term debt: 21% and cash: 14.4% of total assets), and 58.4% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
41.6%
Return on assets
-10.1%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
125 d early
2023
7 d early
2022
7 d early
2021
10 d early
2020
8 d early
2019
9 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
€45k▼ 36.7%
2024 · €70k
2018: €56k
2019: €78k
2020: €95k
2021: €65k
2022: €79k
2023: €78k
2024: €70k
2018 → 2025
Total assets
€107k▼ 38.6%
2024 · €174k
2018: €110k
2019: €118k
2020: €196k
2021: €134k
2022: €125k
2023: €110k
2024: €174k
2018 → 2025
Net result
€-11k
2024 · €16k
2018: €-413
2019: €23k
2020: €18k
2021: €-4k
2022: €24k
2023: €3k
2024: €16k
2018 → 2025
Working capital
€3k▼ 83.7%
2024 · €18k
2018: €-2k
2019: €20k
2020: €12k
2021: €-2k
2022: €19k
2023: €25k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€79k▲ 21.6%€78k▼ 1.8%€70k▼ 9.5%€45k▼ 36.7%
Operating result€-2k-€30k€3k▼ 88.5%€25k▲ 619%€-8k
Net result€-4k-€24k€3k▼ 88.6%€16k▲ 482%€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €25k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€82k ▼ 25.4%
Current assets
€25k ▼ 60.8%
Equity and liabilities €107k
Equity
€45k ▼ 36.7%
Debt
€63k ▼ 39.8%
Debt's share of the balance-sheet total falls from 59.6% to 58.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €65k
Cash flow
€18k▼
2024 · €56k
Current ratio
1.13▼
2024 · 1.39
Debt to equity
1.40▼
2024 · 1.48
ROE
-24.3%▼
2024 · 23.0%
ROA
-10.1%▼
2024 · 9.3%
Interest coverage
5.87▼
2024 · 16.84
Debt ≤ 1 year
€23k▼
2024 · €47k
Debt > 1 year
€40k▼
2024 · €57k
Income taxes
€309▼
2024 · €7k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€174k€107k▼
Fixed assets21/28€109k€82k▼
Tangible fixed assets22/27€109k€82k▼
Land and buildings22€24k€20k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€2k€1k▼
Leasing and similar rights25€78k€56k▼
Current assets29/58€65k€25k▼
Amounts receivable within one year40/41€17k€10k▼
Trade receivables40-€7k
Other amounts receivable41€17k€2k▼
Cash at bank and in hand54/58€48k€15k▼
Deferred charges and accrued income490/1€430€338▼
Equity and liabilities
Total equity and liabilities10/49€174k€107k▼
Equity10/15€70k€45k▼
Contributions10/11€15k-
Reserves13€55k€55k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€54k€55k▲
Profit (loss) carried forward14-€-11k
Amounts payable17/49€104k€63k▼
Amounts payable after more than one year17€57k€40k▼
Financial debts170/4€57k€40k▼
Amounts payable within one year42/48€47k€23k▼
Current portion of amounts payable after more than one year42€20k€17k▼
Trade debts44€681€3k▲
Suppliers440/4€681€3k▲
Taxes, remuneration and social security45€2k€309▼
Taxes450/3€2k€309▼
Other amounts payable47/48€24k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€29k▼
Other operating charges640/8€9k€5k▼
Gross operating margin9900€74k€26k▼
Operating profit (loss)9901€25k€-8k▼
Financial income75/76B€2k€898▼
Recurring financial income75€2k€898▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€23k€-11k▼
Income taxes67/77€7k€309▼
Profit (loss) for the period9904€16k€-11k▼
Profit (loss) for the period to be appropriated9905€16k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-11k▼
Transfer from equity791/2€22k-
Transfer to equity691/2€15k-
To other reserves6921€15k-
Profit to be distributed694/7€24k-
Return on contributions (dividend)694€24k-
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-11k ▼167%
Net result drops to €-11k, the lowest in the series.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
21-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
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
5 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, Brecht · 1 establishment unit since 2011
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.
Vriendschapslaan 4A2960 BrechtGround area
1,747 m²
Building footprint
315 m²
Volume, LiDAR
2,112 m³
2 parcels, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stefandak
since 20112.199.884.972
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11009M0066/00K011 | Flanders | 1,138 m² | 1 · 210 m² | 11.2 m · 2 fl. |
| 11009M0066/00F009 | Flanders | 609 m² | 1 · 105 m² | 9.2 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.
Similar companies · same sector, comparable size
TG-ME
BE 1003.956.730
Lievegem · Eq €44,510
Renov Toit
BE 0728.485.638
Farciennes · Eq €44,506
Degaudinne Nicolas
BE 0797.386.520
Dinant · Eq €44,480
DBJ Dakwerken
BE 0789.540.804
Oostkamp · Eq €44,688
Toitures Charlier
BE 0887.374.806
Fernelmont · Eq €44,396
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,625 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.