STEFANO IMMOBILIER
ActiveSummary
STEFANO IMMOBILIER has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-14
Solvency36▼-3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.4 in 2024; short-term debt: 74.7% and cash: 1.6% of total assets), and 89.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
10.9%
Return on assets
0.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €126k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
6 d early
2022
116 d late
2021
31 d late
2020
80 d late
2019
19 d late
← 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, abbreviated schema
Equity
€126k▲ 8.7%
2024 · €116k
2018: €167k
2019: €118k
2020: €77k
2021: €5k
2022: €-2k
2023: €16k
2024: €116k
2018 → 2025
Total assets
€1.16M▲ 38.0%
2024 · €840k
2018: €392k
2019: €480k
2020: €500k
2021: €725k
2022: €866k
2023: €433k
2024: €840k
2018 → 2025
Net result
€10k▼ 89.9%
2024 · €100k
2018: €52k
2019: €-48k
2020: €-41k
2021: €-72k
2022: €-7k
2023: €18k
2024: €100k
2018 → 2025
Working capital
€-366k▲ 5.3%
2024 · €-387k
2018: €17k
2019: €15k
2020: €-26k
2021: €-91k
2022: €271k
2023: €-46k
2024: €-387k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€-2k€16k€116k▲ 622%€126k▲ 8.7%
Operating result€-58k-€7k€28k▲ 316%€104k▲ 270%€16k▼ 84.2%
Net result€-72k-€-7k▲ 90.2%€18k€100k▲ 460%€10k▼ 89.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 84% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€659k ▲ 12.6%
Current assets
€500k ▲ 96.4%
Equity and liabilities €1.16M
Equity
€126k ▲ 8.7%
Debt
€1.03M ▲ 42.7%
Debt's share of the balance-sheet total rises from 86.2% to 89.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€70k▼
2024 · €146k
Cash flow
€64k▼
2024 · €141k
Current ratio
0.58▲
2024 · 0.40
Quick ratio
0.21▼
2024 · 0.25
Debt to equity
8.21▲
2024 · 6.25
ROE
8.0%▼
2024 · 86.1%
ROA
0.9%▼
2024 · 11.9%
Interest coverage
10.98▼
2024 · 31.06
Debt ≤ 1 year
€866k▲
2024 · €641k
Debt > 1 year
€167k▲
2024 · €83k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€840k€1.16M▲
Fixed assets21/28€585k€659k▲
Tangible fixed assets22/27€585k€659k▲
Land and buildings22€484k€581k▲
Plant, machinery and equipment23€101k€78k▼
Furniture and vehicles24€464€0▼
Current assets29/58€254k€500k▲
Stocks and contracts in progress3€93k€322k▲
Stocks30/36€93k€322k▲
Amounts receivable within one year40/41€106k€156k▲
Trade receivables40€105k€156k▲
Other amounts receivable41€321€0▼
Cash at bank and in hand54/58€53k€19k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€840k€1.16M▲
Equity10/15€116k€126k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€59k€59k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€57k€57k=
Profit (loss) carried forward14€38k€48k▲
Amounts payable17/49€724k€1.03M▲
Amounts payable after more than one year17€83k€167k▲
Financial debts170/4€83k€167k▲
Amounts payable within one year42/48€641k€866k▲
Current portion of amounts payable after more than one year42€9k€13k▲
Trade debts44€5k€80k▲
Suppliers440/4€5k€80k▲
Taxes, remuneration and social security45€14k€4k▼
Taxes450/3€14k€4k▼
Other amounts payable47/48€614k€769k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€54k▲
Other operating charges640/8€267€10k▲
Gross operating margin9900€146k€81k▼
Operating profit (loss)9901€104k€16k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€100k€10k▼
Income taxes67/77€0-
Profit (loss) for the period9904€100k€10k▼
Profit (loss) for the period to be appropriated9905€100k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€48k▲
Profit (loss) brought forward from the previous period14P€-61k€38k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €100k ▲460%
Operating result €104k, net result €100k, both a record.
31-12
Financial
Equity above €100kEq €116k ▲622%
2 profitable years in a row build equity to €116k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €18k
Net result €18k after 4 loss-making years.
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 116 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 1.85
Current ratio from 0.82 to 1.85; short-term debt falls from €507k to €318k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-72k
Net result drops to €-72k, the lowest in the series; recovery starts the following year.
19-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 80 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
Show earlier events
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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, Sint-Pieters-Leeuw · 1 establishment unit since 2016
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.
Bergensesteenweg 4211600 Sint-Pieters-LeeuwGround area
9,307 m²
Building footprint
1,406 m²
2 parcels, Flanders, Wallonia. Linked by address, not a title deed.
1 establishment unit
STEFANO IMMOBILIER
since 20162.250.687.040
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0505/00E000 | Flanders | 8,312 m² | 1 · 1,330 m² | - |
| 52036A0248/00F002 | Wallonia | 996 m² | 1 · 76 m² | - |
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
VERMA-IMMO
BE 0433.262.277
Zaventem · Eq €126,132
GEEMAR
BE 0697.918.067
Hove · Eq €126,176
IMMO SAINT BERNARD
BE 0474.636.935
Tervuren · Eq €125,553
BRICKS ON HEELS
BE 0675.352.996
Sint-Martens-Latem · Eq €126,295
TEGELRIE
BE 0753.975.753
Brugge · Eq €125,414
Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,778 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
Founded03-12-2015
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.