STOFFELS ERNA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

STOFFELS ERNA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €323k and a net result of €109k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 72% of 1211 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	20-01-2026	11 d early	2026-00010221
30-06-2024	31-01-2025	20-12-2024	42 d early	2024-00621553
30-06-2023	31-01-2024	10-01-2024	21 d early	2024-00546281
30-06-2022	31-01-2023	22-12-2022	40 d early	2022-20547571
30-06-2021	31-01-2022	28-12-2021	34 d early	2021-81900243
30-06-2020	31-01-2021	08-01-2021	23 d early	2021-00600279
30-06-2019	31-01-2020	30-01-2020	1 d early	2020-03000188
30-06-2018	31-01-2019	31-01-2019	on the day	2019-03800021
30-06-2017	31-01-2018	26-01-2018	5 d early	2018-02500386
30-06-2016	31-01-2017	24-02-2017	24 d late	2017-05200129

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2010, 15 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 strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€323k+51.1%

Net result€109k+15.5%

Total assets€447k+16.0%

Solvency72.3%+16.8pp

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 20-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~9.1%/year over 7 fiscal years, indicative, assuming unchanged policy.

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 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	72.3%	47.4%	better than 72% of 1211 sector peers
Net result	€109k	€43k	better than 80% of 1210 sector peers
Equity	€323k	€85k	better than 84% of 1211 sector peers
Gross operating margin	€174k	€70k	better than 83% of 1207 sector peers
Total assets	€447k	€211k	better than 71% of 1211 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P72

Weakening position over 2020-2025 · n=357-3139

Net result P80

Improving position over 2020-2025 · n=356-3135

Equity P84

Improving position over 2020-2025 · n=357-3140

Gross operating margin P83

Improving position over 2020-2025 · n=354-3132

Describes the position versus peers, not a forecast.

Net profit

€109k

+15.5% 19-25

Total assets

€447k

+16.0% 19-25

Equity

€323k

+51.1% 19-25

Income taxes

€46k

+36.8% 19-25

Dividends

€14k

-23.7% 19-25

Debt

€124k

-27.8% 19-25

Debt ≤ 1y

€116k

-22.1% 19-25

Debt > 1y

€5k

-70.7% 19-25

Solvency

72.3%

+30.3% 19-25

ROE

33.8%

-23.5% 19-25

ROA

24.4%

-0.4% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€109k
Cash flow	n/a
Staff costs	-
Income taxes	€46k
Dividends	-
Total assets	€447k
Equity	€323k
Debt	€124k
of which ≤ 1y	€116k
of which > 1y	€5k
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	72.3%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	24.4%
ROE	33.8%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €26k · 5.9% Current assets €421k · 94.1%

Equity & liabilities

Equity €323k · 72.3% Debt €124k · 27.7%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€447k
Fixed assets	21/28	€26k
Tangible fixed assets	22/27	€26k
Current assets	29/58	€421k
Amounts receivable within one year	40/41	€11k
Investments	50/53	€7k
Cash & bank	54/58	€393k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€447k
Equity	10/15	€323k
Contributions / capital	10/11	€6k
Reserves	13	€317k
Accumulated profits (losses)	14	€230
Amounts payable	17/49	€124k
Amounts payable after one year	17	€5k
Amounts payable within one year	42/48	€116k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€174k
Operating result	9901	€161k
Financial income	75	€3k
Financial charges	65	€9k
Result before taxes	9903	€156k
Income taxes	67/77	€46k
Net result for the period	9904	€109k
Result to be appropriated	9905	€109k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Klein Veerle 762960 Brecht

Establishment units

1 location

Klein Veerle 76, 2960 Brecht

Holdings

since 20102.193.974.803

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,131 m²

Buildings1

Building footprint238 m²

Volume (LiDAR)1,088 m³

Tallest building8.1 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.
11043E0079/00K000	Flanders	1,130 m²	1 · 238 m²	8.1 m · 1 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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 years ago

2024

09-02-2024 Stoffels, Erna Ludovica Constantinus reappointed as director Director changes·Isis VERMANDER

Stoffels, Erna Ludovica Constantinus, Bestuurder

Notary: Isis VERMANDER · Wuustwezel

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

94 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 100

Growth 78

Stability 100

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