Stéphane Quennery
ActiveSummary
Stéphane Quennery has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €313k and a net result of €-26k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 84% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability7▼-9
Solvency100=
Growth22▼-9
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 4.4 against 4.43 in 2023; short-term debt: 22% and cash: 89.3% of total assets), and 22% 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 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 2024Solvency, return and age of the figures
Solvency
78%
Return on assets
-6.5%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-26k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
9 d early
2023
6 d early
2022
54 d early
2021
46 d early
2020
38 d early
2019
30 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€12k▼ 89.4%
2023 · €114k
2018: €124k
2019: €104k
2020: €125k
2021: €120k
2022: €127k
2023: €114k
2018 → 2024
EBIT margin
-234.5%▼ 228.4pp
2023 · -6.1%
2018: 10.4%
2019: -3.6%
2020: -2.6%
2021: 1.4%
2022: 4.8%
2023: -6.1%
2018 → 2024
Net result
€-26k▼ 342%
2023 · €-6k
2018: €10k
2019: €-3k
2020: €-3k
2021: €3k
2022: €4k
2023: €-6k
2018 → 2024
Working capital
€301k▼ 6.5%
2023 · €322k
2018: €337k
2019: €337k
2020: €337k
2021: €326k
2022: €331k
2023: €322k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€125k-€120k▼ 3.8%€127k▲ 5.4%€114k▼ 10.1%€12k▼ 89.4%
Equity€338k-€341k▲ 1.0%€345k▲ 1.1%€339k▼ 1.7%€313k▼ 7.6%
Operating result€-3k-€2k€6k▲ 266%€-7k€-28k▼ 308%
Net result€-3k-€3k€4k▲ 14.9%€-6k€-26k▼ 342%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2024 against €7k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €402k
Fixed assets
€12k ▼ 32.8%
Current assets
€390k ▼ 6.3%
Equity and liabilities €402k
Equity
€313k ▼ 7.6%
Debt
€89k ▼ 6.4%
Debt's share of the balance-sheet total rises from 21.8% to 22.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-22k▼
2023 · €-2k
Cash flow
€-20k▼
2023 · €-466
Current ratio
4.40▼
2023 · 4.43
Quick ratio
4.17▼
2023 · 4.22
Debt to equity
0.28▲
2023 · 0.28
ROE
-8.3%▼
2023 · -1.7%
ROA
-6.5%▼
2023 · -1.4%
Interest coverage
-112.98▼
2023 · -9.15
Debt ≤ 1 year
€89k▼
2023 · €94k
Income taxes
€22▼
2023 · €262
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 · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€434k€402k▼
Fixed assets21/28€18k€12k▼
Intangible fixed assets21€734€110▼
Tangible fixed assets22/27€17k€12k▼
Furniture and vehicles24€14k€9k▼
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€50€50=
Current assets29/58€416k€390k▼
Stocks and contracts in progress3€20k€20k=
Stocks30/36€20k€20k=
Amounts receivable within one year40/41€17k€11k▼
Trade receivables40€15k€9k▼
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€379k€359k▼
Equity and liabilities
Total equity and liabilities10/49€434k€402k▼
Equity10/15€339k€313k▼
Contributions10/11€12k€12k=
Reserves13€235k€235k=
Distributable reserves133€235k€235k=
Profit (loss) carried forward14€92k€66k▼
Amounts payable17/49€95k€89k▼
Amounts payable within one year42/48€94k€89k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€3k€223▼
Taxes450/3€3k€223▼
Other amounts payable47/48€87k€86k▼
Accrued charges and deferred income492/3€800-
Income statement
Code20232024
Turnover70€114k€12k▼
Non-recurring operating income76A€4k€277▼
Goods, raw materials, services and sundry goods60/61€118k€34k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€2k€741▼
Gross operating margin9900€-24€-22k▼
Operating profit (loss)9901€-7k€-28k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€520€3k▲
Non-recurring financial income76B€991-
Financial charges65/66B€169€199▲
Recurring financial charges65€169€199▲
Profit (loss) for the period before taxes9903€-6k€-26k▼
Income taxes67/77€262€22▼
Profit (loss) for the period9904€-6k€-26k▼
Profit (loss) for the period to be appropriated9905€-6k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€66k▼
Profit (loss) brought forward from the previous period14P€98k€92k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
07-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
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, Froidchapelle · 1 establishment unit since 2009
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.
Rue de la Station(FRO) 236440 FroidchapelleGround area
1,631 m²
Building footprint
120 m²
Volume, LiDAR
844 m³
Parcel 56029D0071/02P000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stéphane Quennery S.P.R.L
since 20092.175.876.977
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56029D0071/02P000 | Wallonia | 1,631 m² | 1 · 120 m² | 8.6 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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BRAPO
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 6,819 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
Founded19-01-2009
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
96301Funeral services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.