Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 3 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
STEF - CARS from Mol, company number BE0433344530, closed financial year 2025 with a result of € -53,719 after tax. For that financial year STEF - CARS recorded a gross margin of € -41,382 and equity of € -123,610. Compared with financial year 2024, the result moved from € -32,897 to € -53,719. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 1, 2026.
€ -123,610
▼ € 53,719 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -53,719
▼ 63 % more loss than in 2024
Profit after tax over the fiscal year.
€ 3,844
▼ 64% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -142,202.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 4,297
▼ 55% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 276,700
▼ 5% vs 2024
€ 16,155 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.
€ 1,772
▲ 194% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 4,570
▲ 45% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -47,359 | € 6,871 | € -16,883 | € -41,382 | ▼ € 24,499 |
| Profit after taxes | € -57,151 | € -4,530 | € -32,897 | € -53,719 | ▼ € 20,822 |
| Equity | € -32,464 | € -36,995 | € -69,892 | € -123,610 | ▼ € 53,719 |
| Total debts | € 349,257 | € 364,962 | € 357,500 | € 330,652 | ▼ 8% |
| Cash | € 1,463 | € 5,327 | € 10,541 | € 3,844 | ▼ 64% |
| Retained profit | € -51,056 | € -55,587 | € -88,484 | € -142,202 | ▼ € 53,719 |
| Bank debt | € 331,547 | € 309,010 | € 292,670 | € 276,700 | ▼ 5% |
| Balance sheet total | € 316,793 | € 327,968 | € 287,608 | € 207,042 | ▼ 28% |
Key figures of STEF - CARS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to STEF - CARS?
What happened at STEF - CARS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 53,719. Source: NBB ↗
- New establishment in Mol. KBO
- Start of the company according to the CBE. KBO
In short
From € 57,151 loss in 2022 to € 53,719 loss in 2025.
Paid € 1,333 in corporate taxes since 2022.
Management
Behind STEF - CARS is Stefaan LESPOIX.
Directors
According to the 2025 annual accounts
Stefaan LESPOIX
Director
Establishments
Establishment units
Physical locations of this company
Wezel 56
2400 Mol
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0433.344.530
- VAT number
- BE 0433.344.530
- Registered office
- Wezel 56, 2400 Mol
- Names & denominations
- STEF - CARS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1988
- Peppol
- Active · Active since 12 Feb 2026
- Activities · NACE
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
Detailhandel in motorrijwielen, delen en toebehoren van motorrijwielen
Detailhandel in motorvoertuigen
Detailhandel in en onderhoud en reparatie van motorfietsen en delen en toebehoren van motorfietsen