Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
STEPHAN'S from Knokke-Heist, company number BE0443061455, closed financial year 2025 with a result of € -943 after tax. For that financial year STEPHAN'S recorded a gross margin of € -415 and equity of € 42,033. Compared with financial year 2024, the result moved from € -938 to € -943. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 26, 2026.
€ 42,033
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -943
Profit after tax over the fiscal year.
€ 153
▼ 33% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -19,967.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 844
▼ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 3,541 | € -185 | € -425 | € -415 | ▲ € 10 |
| Profit after taxes | € 3,081 | € -684 | € -938 | € -943 | |
| Equity | € 44,599 | € 43,914 | € 42,976 | € 42,033 | ▼ 2% |
| Total debts | € 16,282 | € 15,800 | € 16,810 | € 16,987 | ▲ 1% |
| Cash | € 1,515 | € 205 | € 230 | € 153 | ▼ 33% |
| Retained profit | € -17,401 | € -18,086 | € -19,024 | € -19,967 | ▼ € 943 |
| Balance sheet total | € 60,881 | € 59,714 | € 59,786 | € 59,020 | ▼ 1% |
Key figures of STEPHAN'S, 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 STEPHAN'S?
What happened at STEPHAN'S in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 943. Source: NBB ↗
- Hendrik Micholt became a director. NBB
- Stephan Parein became a director. NBB
- New establishment in Knokke-Heist. KBO
- Start of the company according to the CBE. KBO
In short
From € 3,081 profit in 2022 to € 943 loss in 2025.
Best year ever: 2022, with € 3,081 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind STEPHAN'S are Stephan Parein and Hendrik Micholt.
Directors
According to the 2025 annual accounts
Stephan Parein
Managing director
since 2019
Hendrik Micholt
Director
since 2019
Establishments
Establishment units
Physical locations of this company
Knokkestraat 656
8300 Knokke-Heist
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0443.061.455
- VAT number
- BE 0443.061.455
- Registered office
- Knokkestraat 656, 8300 Knokke-Heist
- Names & denominations
- STEPHAN'S
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 February 1991
- Peppol
- Active · Active since 11 Oct 2025
- Activities · NACE
Overige gespecialiseerde bouwactiviteiten, neg
Overige gespecialiseerde bouwwerkzaamheden
Installatie van isolatie
Isolatiewerkzaamheden