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 28 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
STEFABI from Verviers, company number BE0634958337, closed financial year 2025 with a result of € 73,113 after tax. For that financial year STEFABI recorded a gross margin of € 289,595 and equity of € 158,017. Compared with financial year 2024, the result moved from € 31,144 to € 73,113. 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 August 12, 2026.
€ 158,017
▲ 13% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 73,113
▲ 135% vs 2024
Profit after tax over the fiscal year.
€ 53,551
▲ 49% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 55,000 paid out
75 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
3.8
▼ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 139,541
▼ 4% vs 2024
€ 36,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 16,155
▼ 46% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 43,732
▼ 26% vs 2024
€ 15,722 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 251,936
▲ 9% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 25,666
▼ 14% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 160,563 | € 281,301 | € 247,680 | € 289,595 | ▲ 17% |
| Profit after taxes | € -6,398 | € 74,923 | € 31,144 | € 73,113 | ▲ 135% |
| Equity | € 120,896 | € 148,760 | € 139,904 | € 158,017 | ▲ 13% |
| Total debts | € 318,379 | € 378,214 | € 363,093 | € 377,892 | ▲ 4% |
| Cash | € 154,474 | € 115,546 | € 35,837 | € 53,551 | ▲ 49% |
| Retained profit | € 70,896 | € 98,760 | € 89,904 | € 108,017 | ▲ 20% |
| Dividend | € 0 | € 47,059 | € 40,000 | € 55,000 | ▲ 38% |
| Bank debt | € 73,267 | € 88,305 | € 58,771 | € 43,732 | ▼ 26% |
| Balance sheet total | € 439,275 | € 526,974 | € 502,997 | € 535,909 | ▲ 7% |
| Employees (FTE) | 3.5 | 4.2 | 4.1 | 3.8 | ▼ 0.3 |
Key figures of STEFABI, 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 STEFABI?
What happened at STEFABI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 73,113 (▲ 135% vs 2024). filed late Source: NBB ↗
- New establishment in Verviers. KBO
- Start of the company according to the CBE. KBO
- Fabrice JOSKIN became a director. NBB
In short
From € 6,398 loss in 2022 to € 73,113 profit in 2025.
Paid € 60,088 in corporate taxes since 2022.
Best year ever: 2023, with € 74,923 profit.
On average € 76,200 of value added per employee in 2025.
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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 STEFABI is Fabrice JOSKIN. Fabrice JOSKIN is also behind ABIJOMA.
Directors
According to the 2025 annual accounts
since 2015
Establishments
Establishment units
Physical locations of this company
Rue de Battice 78
4800 Verviers
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0634.958.337
- VAT number
- BE 0634.958.337
- Registered office
- Rue de Battice 78, 4800 Verviers
- Names & denominations
- STEFABI
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 August 2015
- Peppol
- Active · Active since 7 Oct 2025
- Activities · NACE
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