Checked.be
Active
BE 0409.630.901Non-profit association
Stfran.
Herestraat 49 ·3000 Leuven, Belgium· 63 yrs active
Sector: NACE 85324
(85324)
Conclusion
The computed 12-month bankruptcy probability of Stfran. is < 0.1% (very low). The 2023 annual accounts show equity of €2.10M and a net result of €2k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 75% of 85 sector peers (fiscal year 2023). The company has been active since 1962 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €2.10M |
| Net result | €2k |
| Better than sector | 75% |
| Active | 63 yrs |
Snowflake analysis
75
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
45
Solvency
100
Growth
36
Stability
100
Bankruptcy probability (12 mo)
< 0.1%
Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form
−Lower-failure-rate sector
−Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1962, 63 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Health barometer
94
/ 100
Excellent
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview
Annual accounts filed on 03-06-2024 with the NBB · fiscal year 2023 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 6 fiscal years (±2.2%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2023 · NACE 85 · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 72.6% | 52.3% | |
| Net result | €2k | €19k | |
| Equity | €2.10M | €229k | |
| Gross operating margin | €69k | €118k | |
| Staff costs | €5k | €510k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€76k
-38.8%
18-23
€63k
-59.8%
18-23
€2k
-98.1%
18-23
€55k
-61.3%
18-23
€2.89M
-3.7%
18-23
€2.10M
+0.1%
18-23
€1.36M
-6.8%
18-23
€5k
-14.4%
18-23
€791k
-12.5%
18-23
€163k
-20.0%
18-23
€426k
-5.3%
18-23
9.40
+14.5%
18-23
9.16
+13.9%
18-23
72.6%
+3.9%
18-23
0.38
-12.6%
18-23
0.1%
-98.1%
18-23
0.1%
-98.1%
18-23
2.3%
-97.0%
18-23
82.9%
+8.2%
18-23
7.50
-26.0%
18-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | verkort |
| Revenue | €76k |
| EBITDA | €63k |
| Net profit | €2k |
| Cash flow | €55k |
| Staff costs | €5k |
| Income taxes | - |
| Dividends | - |
| Total assets | €2.89M |
| Equity | €2.10M |
| Debt | €791k |
| of which ≤ 1y | €163k |
| of which > 1y | €426k |
| Working capital | €1.36M |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 9.40 |
| Quick ratio | 9.16 |
| Working capital ratio | 47.2% |
| Solvency | 72.6% |
| Debt / equity | 0.38 |
| Long-term debt ratio | 0.20 |
| Interest coverage | 7.50 |
| Gross margin | -440.5% |
| Net margin | 2.3% |
| ROA | 0.1% |
| ROE | 0.1% |
| EBITDA margin | 82.9% |
| Days sales outstanding | 1974d |
| Days payable outstanding | 118d |
| Inventory turnover | 10.61 |
| Days inventory (DSI) | 34d |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2.89M |
| Fixed assets | 21/28 | €1.36M |
| Tangible fixed assets | 22/27 | €1.36M |
| Financial fixed assets | 28 | €900 |
| Current assets | 29/58 | €1.53M |
| Stocks & contracts in progress | 3 | €39k |
| Amounts receivable within one year | 40/41 | €411k |
| Investments | 50/53 | €700k |
| Cash & bank | 54/58 | €341k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.89M |
| Equity | 10/15 | €2.10M |
| Contributions / capital | 10/11 | €245k |
| Reserves | 13 | €1.16M |
| Accumulated profits (losses) | 14 | €697k |
| Amounts payable | 17/49 | €791k |
| Amounts payable after one year | 17 | €426k |
| Amounts payable within one year | 42/48 | €163k |
| Trade debts payable within one year | 44 | €132k |
| Income statement | ||
| Turnover | 70 | €76k |
| Gross operating margin | 9900 | €69k |
| Operating result | 9901 | €10k |
| Financial income | 75 | €122 |
| Financial charges | 65 | €8k |
| Result before taxes | 9903 | €2k |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Directors & mandates
Current directors & mandates
-
De Ruyver GeertruiLidState Gazette act 25070522 (03-06-2025)Current03-06-2025 → present
-
Dreessen MariaLidState Gazette act 24150600 (21-10-2024)Current21-10-2024 → present
-
Heyvaert DaniëlDirectorState Gazette act 23099983 (02-08-2023)Current02-08-2023 → present
-
Frissen JanneRaad van bestuurState Gazette act 22078159 (30-06-2022)Current30-06-2022 → present
Historic, not recently confirmed (5)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
-
Aniana DeclercqChairState Gazette act 17165050 (24-11-2017)Not recently confirmedlast confirmed in an act from 2017
-
Declerq AnianaRaad van bestuurState Gazette act 16078962 (08-06-2016)Not recently confirmedlast confirmed in an act from 2016
-
Pernot Anne-MarieRaad van bestuurState Gazette act 15084529 (15-06-2015)Not recently confirmedlast confirmed in an act from 2015
-
Stassen KoenRaad van bestuurState Gazette act 14193898 (22-10-2014)Not recently confirmedlast confirmed in an act from 2014
-
Van Gerven KatrienRaad van bestuurState Gazette act 14193898 (22-10-2014)Not recently confirmedlast confirmed in an act from 2014
2 events
- 06-10-2020 Resigned· Lid van de raad van bestuur
- 22-10-2014 Appointed· Raad van bestuur
Former directors (11)
-
Ampe JanLidState Gazette act 25070522 (03-06-2025)Former- → 03-06-2025
-
Ghekiere LucRaad van bestuurState Gazette act 11061765 (21-04-2011)Former21-04-2011 → 21-10-2024
2 events
- 21-10-2024 Resigned· Lid
- 21-04-2011 Appointed· Raad van bestuur
-
Boydens JoëlDirectorState Gazette act 23099983 (02-08-2023)Former- → 02-08-2023
-
Loonbeek RitaDirectorState Gazette act 23099983 (02-08-2023)Former- → 02-08-2023
-
Florquin Marie-PauleRaad van bestuurState Gazette act 16078962 (08-06-2016)Former08-06-2016 → 30-06-2022
2 events
- 30-06-2022 Resigned· Raad van bestuur
- 08-06-2016 Appointed· Raad van bestuur
-
Griet RobberechtsBestuurder in eigen naam maar in naam vzw woonzorgnet dijlelandState Gazette act 20116396 (06-10-2020)Former- → 06-10-2020
-
Godelieve Van HoestenbergheChairState Gazette act 17165050 (24-11-2017)Former- → 24-11-2017
-
Perquy JacquesRaad van bestuurState Gazette act 15084529 (15-06-2015)Former- → 15-06-2015
-
De Jongh ChristianaRaad van bestuurState Gazette act 14193898 (22-10-2014)Former- → 22-10-2014
-
De Wachter GuidoRaad van bestuurState Gazette act 14193898 (22-10-2014)Former- → 22-10-2014
-
Derkinderen LudovicaRaad van bestuurState Gazette act 14193898 (22-10-2014)Former- → 22-10-2014
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
| NACE primary | 85324 |
| Legal form | Non-profit association(017) |
| Incorporation | 28-08-1962 |
| Status | Active |
| Postal code | 3000 |
Establishment units
Hoofdzetel van : Stfran
since 20192.294.584.290
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505K0046/00H004 | Flanders | 42.5 ha | 1 · 6.4 ha | 34.2 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
03-06-2025
State Gazette act
Director changes
2024
21-10-2024
State Gazette act
Director changes
03-06-2024
NBB filing
Annual accounts filed
2023
02-08-2023
State Gazette act
Statutes amendment
01-06-2023
NBB filing
Annual accounts filed
2022
30-06-2022
State Gazette act
Director changes
19-05-2022
NBB filing
Annual accounts filed
2021
20-05-2021
NBB filing
Annual accounts filed
2020
06-10-2020
State Gazette act
Director changes
18-06-2020
NBB filing
Annual accounts filed
2019
07-05-2019
NBB filing
Annual accounts filed
2018
07-05-2018
NBB filing
Annual accounts filed
2017
24-11-2017
State Gazette act
Director changes
03-05-2017
NBB filing
Annual accounts filed
2016
08-06-2016
State Gazette act
Director changes
13-05-2016
NBB filing
Annual accounts filed
2015
15-06-2015
State Gazette act
Director changes
06-05-2015
NBB filing
Annual accounts filed
2014
22-10-2014
State Gazette act
Director changes
2011
21-04-2011
State Gazette act
Director changes
Belgisch Staatsblad, acts
All acts · 10
updated 1 year ago
2025
03-06-2025 1 director appointed, 1 resigning
- De Ruyver Geertrui, Lid
- Ampe Jan, Lid
Summary:
v3.2
Technical details
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}2024
21-10-2024 1 director appointed, 1 resigning
- Dreessen Maria, Lid
- Ghekiere Luc, Lid
Summary:
v3.2
Technical details
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}2023
02-08-2023 Articles of association amended
Summary:
v3.2
Technical details
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"name_full": "Stfran. VZW"
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"legal_form_change": {
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}
}2022
30-06-2022 1 director appointed, 1 resigning
- Frissen Janne, Raad van bestuur
- Florquin Marie-Paule, Raad van bestuur
Summary:
v3.2
Technical details
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"kind": "director_out",
"role": "Raad van bestuur",
"person": {
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"name": "Florquin Marie-Paule",
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}
},
{
"kind": "director_in",
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],
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}2020
06-10-2020 2 resigning
- Griet Robberechts, Bestuurder in eigen naam maar in naam vzw woonzorgnet dijleland
- Katrien Van Gerven, Lid van de raad van bestuur
Summary:
v3.2
Technical details
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"events": [
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"kind": "director_out",
"role": "bestuurder in eigen naam maar in naam vzw Woonzorgnet-Dijleland",
"person": {
"rrn": null,
"name": "Griet Robberechts",
"address": null,
"birth_date": null
}
},
{
"kind": "director_out",
"role": "lid van de Raad van bestuur",
"person": {
"rrn": null,
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"name_full": "Stfran."
}
}2017
24-11-2017 1 director appointed, 1 resigning
- Aniana Declercq, Voorzitter
- Godelieve Van Hoestenberghe, Voorzitter
Summary:
v3.2
Technical details
{
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"role": "voorzitter",
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"name": "Godelieve Van Hoestenberghe",
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},
{
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"person": {
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}
],
"schema": "v3.2",
"act_meta": {
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}
}2016
08-06-2016 2 directors appointed
- Declerq Aniana, Raad van bestuur
- Florquin Marie-Paule, Raad van bestuur
Summary:
v3.2
Technical details
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"role": "Raad van bestuur",
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"name": "Declerq Aniana",
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},
{
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],
"schema": "v3.2",
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},
"subject_company": {
"kbo": "0409.630.901",
"name_full": "LGEN Sint-Franciscusinstituut voor Verpleegkunde Leuven vzw"
}
}2015
15-06-2015 1 director appointed, 1 resigning
- Pernot Anne-Marie, Raad van bestuur
- Perquy Jacques, Raad van bestuur
Summary:
v3.2
Technical details
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"events": [
{
"kind": "director_in",
"role": "Raad van bestuur",
"person": {
"rrn": null,
"name": "Pernot Anne-Marie",
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},
{
"kind": "director_out",
"role": "Raad van bestuur",
"person": {
"rrn": null,
"name": "Perquy Jacques",
"address": null,
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}
],
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}
}2014
22-10-2014 2 directors appointed, 3 resigning
- Stassen Koen, Raad van bestuur
- Van Gerven Katrien, Raad van bestuur
- De Jongh Christiana, Raad van bestuur
- Derkinderen Ludovica, Raad van bestuur
- De Wachter Guido, Raad van bestuur
Summary:
v3.2
Technical details
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},
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},
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"person": {
"rrn": null,
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"address": null,
"birth_date": null
}
},
{
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"address": null,
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}
],
"schema": "v3.2",
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"kbo": "0409.630.901",
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}
}2011
21-04-2011 Ghekiere Luc appointed as raad van bestuur
- Ghekiere Luc, Raad van bestuur
Summary:
v3.2
Technical details
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"events": [
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}
],
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"subject_company": {
"kbo": "0409.630.901",
"name_full": "Sint-Franciscusinstituut voor Verpleegkunde Leuven"
}
}Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE)
Activities
Vrij gesubsidieerd voortgezet technisch en beroepsonderwijs80224Vrij gesubsidieerd gewoon technisch en beroepssecundair onderwijs85324Vrij gesubsidieerd gewoon technisch en beroepssecundair onderwijs85324
Primary activity highlighted.
Names & trade names
| Legal nameNL | Stfran. |
Registered office
Herestraat 49
3000 Leuven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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