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 11 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
STEDAFIN from Londerzeel, company number BE0799570901, closed financial year 2025 with a result of € 777,302 after tax. For that financial year STEDAFIN recorded a gross margin of € 2 million and equity of € 176,061. Compared with financial year 2024, the result moved from € 257,569 to € 777,302. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 24, 2026.
€ 176,061
▲ 35% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 777,302
▲ 202% vs 2024
Profit after tax over the fiscal year.
€ 127,474
Cash and bank balances on the last day of the fiscal year.
€ 732,000 paid out
94 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
9.4
▼ 1.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 741,593
▼ 11% vs 2024
€ 78,900 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.
€ 5,262
▼ 26% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2 million
▼ 21% vs 2024
€ 245,109 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 23,318
▲ 38% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 84,818
▼ 15% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 1,041,205 | € 1,619,077 | € 2,023,864 | ▲ 25% |
| Profit after taxes | € 341,190 | € 257,569 | € 777,302 | ▲ 202% |
| Equity | € 83,190 | € 130,758 | € 176,061 | ▲ 35% |
| Total debts | € 3,364,955 | € 2,986,718 | € 2,972,806 | |
| Cash | - | - | € 127,474 | |
| Retained profit | € 71,190 | € 118,758 | € 164,061 | ▲ 38% |
| Dividend | € 270,000 | € 210,000 | € 732,000 | ▲ 249% |
| Bank debt | € 2,800,877 | € 2,524,037 | € 2,001,972 | ▼ 21% |
| Balance sheet total | € 3,448,144 | € 3,117,476 | € 3,148,867 | ▲ 1% |
| Employees (FTE) | 5.3 | 10.6 | 9.4 | ▼ 1.2 |
Key figures of STEDAFIN, fiscal years 2023 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 STEDAFIN?
What happened at STEDAFIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 777,302 (▲ 202% vs 2024). Source: NBB ↗
- New establishment in Zele. KBO
- New establishment in Londerzeel. KBO
- New establishment in Lebbeke. KBO
- Fivanu CommV became a director. NBB
- BILDDS BV became a director. NBB
- De Haeck CommV became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 341,190 profit in 2023 to € 777,302 profit in 2025.
Paid € 91,491 in corporate taxes since 2023.
Best year ever: 2025, with € 777,302 profit.
On average € 215,300 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
The stake of BILDDS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
STEDAFINBehind STEDAFIN are Fivanu CommV, BILDDS BV and De Haeck CommV. The shares are held by BILDDS (33%).
Directors
According to the 2025 annual accounts
Director · represented by Filip Van Nuffel
since 2023
Director · represented by Steven De Haeck
since 2023
Shareholders
33%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Mattestraat 66
1840 Londerzeel
Markt 25
9240 Zele
Active since 15 March 2023
Grote Plaats 9A
9280 Lebbeke
Active since 15 March 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0799.570.901
- VAT number
- BE 0799.570.901
- Registered office
- Mattestraat 66, 1840 Londerzeel
- Names & denominations
- STEDAFIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 March 2023
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
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