Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 20 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
STEFUNIC from Aalter, company number BE0435684804, closed financial year 2025 with a result of € -23,119 after tax. For that financial year STEFUNIC recorded a gross margin of € 32,760 and equity of € -112,114. Compared with financial year 2024, the result moved from € 62,003 to € -23,119. 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 January 28, 2026.
€ -112,114
▼ € 23,119 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -23,119
▼ still € 62,003 profit in 2024
Profit after tax over the fiscal year.
€ 768
▼ 34% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -161,693.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 59,978
▼ 31% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 69,666
▼ 20% vs 2024
€ 15,689 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 4,345
▼ 80% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 17,191
▼ 33% 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 | € 84,239 | € 67,353 | € 93,711 | € 32,760 | ▼ 65% |
| Profit after taxes | € 78,741 | € 58,803 | € 62,003 | € -23,119 | ▼ € 85,122 |
| Equity | € -209,801 | € -150,998 | € -88,995 | € -112,114 | ▼ € 23,119 |
| Total debts | € 258,647 | € 199,723 | € 252,711 | € 231,668 | ▼ 8% |
| Cash | € 20,199 | € 875 | € 1,165 | € 768 | ▼ 34% |
| Land & buildings | € 1,163 | € 1,026 | € 15,293 | € 12,877 | ▼ 16% |
| Retained profit | € -259,380 | € -200,577 | € -138,574 | € -161,693 | ▼ € 23,119 |
| Bank debt | € 39,476 | € 7,922 | € 87,196 | € 69,666 | ▼ 20% |
| Balance sheet total | € 48,846 | € 48,724 | € 163,715 | € 119,554 | ▼ 27% |
Key figures of STEFUNIC, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to STEFUNIC?
What happened at STEFUNIC in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 23,119 (▼ € 85,122 vs 2024). Source: NBB ↗
- New establishment in Merchtem. KBO
- Start of the company according to the CBE. KBO
In short
From € 78,741 profit in 2022 to € 23,119 loss in 2025.
Paid € 19,845 in corporate taxes since 2022.
Best year ever: 2022, with € 78,741 profit.
Management
Behind STEFUNIC is Stefaan Bruggeman.
Directors
According to the 2025 annual accounts
Stefaan Bruggeman
Bestuurder
Establishments
Establishment units
Physical locations of this company
Planterijstraat 1
9880 Aalter
Koning Albertstraat 1
1785 Merchtem
Active since 20 January 1989
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0435.684.804
- VAT number
- BE 0435.684.804
- Registered office
- Planterijstraat 1, 9880 Aalter
- Names & denominations
- STEFUNIC
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 November 1988
- Peppol
- Active · Active since 31 Dec 2025
- Activities · NACE
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
Superettes (verkoopsoppervlakte tussen 100 m2 en minder dan 400 m2)
Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)