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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Tight liquidity NBB
Cash and receivables cover 57 % of short-term debt in 2024; threshold 65 %.
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Late annual account NBB
Fiscal year 2024 was filed 181 days after the legal deadline.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2024
STEFANI & CIE from Fontaine-l'Evêque, company number BE0447057360, closed financial year 2024 with a result of € 12,807 after tax. For that financial year STEFANI & CIE recorded a gross margin of € 108,187 and equity of € 35,144. Compared with financial year 2023, the result moved from € -4,990 to € 12,807. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on January 28, 2026.
€ 35,144
▲ 9% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 12,807
▲ still € 4,990 loss in 2023
Profit after tax over the fiscal year.
€ 19,563
▲ 176% vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 10,000 paid out
78 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2024
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 63,560
▲ 3% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 10,857
▲ 4% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 52,830
▼ 21% vs 2023
€ 12,036 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 13,122
▲ 106% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 54,241
▼ 3% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 70,135 | € 77,698 | € 88,521 | € 108,187 | ▲ 22% |
| Profit after taxes | € -12,592 | € -16,126 | € -4,990 | € 12,807 | ▲ € 17,797 |
| Equity | € 90,452 | € 57,327 | € 32,336 | € 35,144 | ▲ 9% |
| Total debts | € 138,139 | € 134,010 | € 133,411 | € 122,672 | ▼ 8% |
| Cash | € 6,967 | € 4,733 | € 7,085 | € 19,563 | ▲ 176% |
| Land & buildings | € 55,646 | € 43,435 | € 27,488 | € 12,546 | ▼ 54% |
| Retained profit | € 71,860 | € 38,735 | € 13,744 | € 16,552 | ▲ 20% |
| Dividend | € 13,000 | € 17,000 | € 20,000 | € 10,000 | ▼ 50% |
| Bank debt | € 90,318 | € 83,517 | € 67,223 | € 52,830 | ▼ 21% |
| Balance sheet total | € 231,906 | € 193,547 | € 166,852 | € 157,816 | ▼ 5% |
Key figures of STEFANI & CIE, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to STEFANI & CIE?
What happened at STEFANI & CIE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 12,807. filed late Source: NBB ↗
- New establishment in Fontaine-l'Evêque. KBO
- Start of the company according to the CBE. KBO
In short
From € 12,592 loss in 2021 to € 12,807 profit in 2024.
Paid € 9,830 in corporate taxes since 2021.
Best year ever: 2024, with € 12,807 profit.
Paid out € 60,000 in dividends to the owners in total.
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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 STEFANI & CIE is Eric STEFANI. Eric STEFANI is also behind STEFANI ARMURY.
Directors
According to the 2024 annual accounts
Establishments
Establishment units
Physical locations of this company
Rue Pastur(LEE) 12 box A12
6142 Fontaine-l'Evêque
Rue Pastur(LEE) 12 box A2
6142 Fontaine-l'Evêque
Active since 5 October 1999
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0447.057.360
- VAT number
- BE 0447.057.360
- Registered office
- Rue Pastur(LEE) 12 bus A12, 6142 Fontaine-l'Evêque
- Names & denominations
- STEFANI & CIE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 3 April 1992
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten