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.
-
Tight liquidity NBB
Cash and receivables cover 37 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
STEMA CAR from Montigny-le-Tilleul, company number BE0474868646, closed financial year 2025 with a result of € -14,072 after tax. For that financial year STEMA CAR recorded revenue of € 81,089 and equity of € 5,717. Compared with financial year 2024, the result moved from € -3,428 to € -14,072. The company made a loss. The buffer shrank hard: equity is 71 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 30, 2026.
€ 5,717
▼ 71% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -14,072
▼ 311 % more loss than in 2024
Profit after tax over the fiscal year.
€ 3,598
▼ 24% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -56,284.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 5,229
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 13,290
▼ 17% vs 2024
€ 2,827 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 5,593
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 73,427 | € 64,748 | € 62,337 | € 81,089 | ▲ 30% |
| Gross margin | € 26,787 | € 21,896 | € 17,770 | € 11,109 | ▼ 37% |
| Profit after taxes | € 8,045 | € 1,367 | € -3,428 | € -14,072 | ▼ € 10,644 |
| Equity | € 21,850 | € 23,217 | € 19,789 | € 5,717 | ▼ 71% |
| Total debts | € 50,749 | € 58,222 | € 39,897 | € 43,156 | ▲ 8% |
| Cash | € 2,796 | € 2,979 | € 4,741 | € 3,598 | ▼ 24% |
| Land & buildings | - | € 18,854 | € 16,833 | € 14,813 | ▼ 12% |
| Retained profit | € -40,151 | € -38,784 | € -42,212 | € -56,284 | ▼ € 14,072 |
| Bank debt | € 7,142 | € 18,345 | € 16,049 | € 13,290 | ▼ 17% |
| Balance sheet total | € 72,599 | € 81,439 | € 59,686 | € 48,873 | ▼ 18% |
Key figures of STEMA CAR, 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 STEMA CAR?
What happened at STEMA CAR in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 14,072. filed late Source: NBB ↗
- Stéphanie De Spiegeleer became a director. NBB
- New establishment in Montigny-le-Tilleul. KBO
- Start of the company according to the CBE. KBO
In short
From € 8,045 profit in 2022 to € 14,072 loss in 2025.
Best year ever: 2022, with € 8,045 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 STEMA CAR is Stéphanie De Spiegeleer. Stéphanie De Spiegeleer is also behind M.A.U.L..
Directors
According to the 2025 annual accounts
since 2019
Establishments
Establishment units
Physical locations of this company
Rue de Gozée 388
6110 Montigny-le-Tilleul
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0474.868.646
- VAT number
- BE 0474.868.646
- Registered office
- Rue de Gozée 388, 6110 Montigny-le-Tilleul
- Names & denominations
- STEMA CAR
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 23 May 2001
- Peppol
- Active · Active since 2 Apr 2026
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