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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 21 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
STEFSAM from Ranst, company number BE0450593011, closed financial year 2025 with a result of € -48,736 after tax. For that financial year STEFSAM recorded a gross margin of € 78,138 and equity of € 90,481. Compared with financial year 2024, the result moved from € -63,252 to € -48,736. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on February 6, 2026.
€ 90,481
▼ 35% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -48,736
▲ 23 % less loss than in 2024
Profit after tax over the fiscal year.
€ 7,872
▲ 188% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -168,618.
Debts at end 2025
€ 52,466
▼ 41% vs 2024
€ 36,806 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 50,397
▼ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 400
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 | € 49,505 | € 52,043 | € 52,973 | € 78,138 | ▲ 48% |
| Profit after taxes | € -52,824 | € -48,287 | € -63,252 | € -48,736 | ▲ € 14,516 |
| Equity | € 250,756 | € 202,469 | € 139,216 | € 90,481 | ▼ 35% |
| Total debts | € 832,502 | € 908,688 | € 987,335 | € 817,422 | ▼ 17% |
| Cash | € 761 | € 6,350 | € 2,735 | € 7,872 | ▲ 188% |
| Land & buildings | € 928,665 | € 867,432 | € 806,200 | € 742,745 | ▼ 8% |
| Retained profit | € -8,343 | € -56,630 | € -119,882 | € -168,618 | ▼ € 48,736 |
| Bank debt | € 156,576 | € 122,891 | € 88,199 | € 52,466 | ▼ 41% |
| Balance sheet total | € 1,083,258 | € 1,111,156 | € 1,126,551 | € 907,903 | ▼ 19% |
Key figures of STEFSAM, 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 STEFSAM?
What happened at STEFSAM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Anne Verhaert stepped down as director. NBB
- Luc Verhaert stepped down as director. NBB
- Joris Verhaert stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 48,736. filed late Source: NBB ↗
- Anne Verhaert became a director. NBB
- Luc Verhaert became a director. NBB
- Joris Verhaert became a director. NBB
- New establishment in Ranst. KBO
In short
From € 52,824 loss in 2022 to € 48,736 loss in 2025.
Management
Directors
According to the 2025 annual accounts
Anne Verhaert
Director
since 2023 · until 2029
Luc Verhaert
Director
since 2023 · until 2029
Joris Verhaert
Director
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Ter Stratenweg 35
2520 Ranst
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0450.593.011
- VAT number
- BE 0450.593.011
- Registered office
- Ter Stratenweg 35, 2520 Ranst
- Names & denominations
- STEFSAM
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 26 July 1993
- Peppol
- Active · Active since 11 Aug 2025
- Activities · NACE
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