Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 47 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 39.7 to 21.5.
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Busy address KBO
15 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
STEPHEX HOLDING from Meise, company number BE0899130117, closed financial year 2025 with a result of € -521,992 after tax. For that financial year STEPHEX HOLDING recorded revenue of € 5.5 million and equity of € 33.8 million. Compared with financial year 2024, the result moved from € 942,462 to € -521,992. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on March 9, 2026.
€ 33.8 million
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -521,992
▼ still € 942,462 profit in 2024
Profit after tax over the fiscal year.
€ 1.5 million
▼ 19% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 27.9 million.
People and assets in 2025
21.5
▼ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.6 million
▲ 8% vs 2024
€ 73,200 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.
€ 197,534
▼ 13% vs 2024
Of which on lease € 8,303.
Debts at end 2025
€ 83.6 million
▲ 6% vs 2024
€ 3.4 million is repaid this year. At this pace the long-term loan is gone in ≈ 18 years.
€ 993,212
▲ 210% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 92 days on average.
€ 240,802
▲ 96% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 5,723,691 | € 5,609,159 | € 4,381,761 | € 5,504,424 | ▲ 26% |
| Profit after taxes | € 257,229 | € -2,483,862 | € 942,462 | € -521,992 | ▼ € 1.5 million |
| Equity | € 35,865,221 | € 33,381,360 | € 34,323,822 | € 33,801,830 | ▼ 2% |
| Total debts | € 74,372,769 | € 83,092,221 | € 94,359,980 | € 90,683,044 | ▼ 4% |
| Cash | € 5,137,859 | € 2,753,945 | € 1,801,834 | € 1,464,841 | ▼ 19% |
| Retained profit | € 29,920,436 | € 27,436,575 | € 28,379,037 | € 27,857,045 | ▼ 2% |
| Bank debt | € 30,576,889 | € 80,091,218 | € 78,765,441 | € 83,608,004 | ▲ 6% |
| Balance sheet total | € 110,237,991 | € 116,473,581 | € 128,683,802 | € 124,484,874 | ▼ 3% |
| Employees (FTE) | 56.3 | 39.7 | 22.4 | 21.5 | ▼ 0.9 |
Key figures of STEPHEX HOLDING, 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 April 2027.
What happened to STEPHEX HOLDING?
What happened at STEPHEX HOLDING in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Davidoff Consulting bv stepped down as director. NBB
- Encounter bv stepped down as director. NBB
- Stephan Conter stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 521,992 (▼ € 1.5 million vs 2024). Source: NBB ↗
- Davidoff Consulting bv became a director. NBB
- Encounter bv became a director. NBB
- Stephan Conter became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 257,229 profit in 2022 to € 521,992 loss in 2025.
Paid € 10,180 in corporate taxes since 2022.
Best year ever: 2024, with € 942,462 profit.
Pays suppliers within 92 days on average.
A new publication or filing at STEPHEX HOLDING? We notify you, reason included.
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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
It owns 100% of STX Finance UK Ltd, 100% of Marinero Exploitation Ltd, 100% of STX Finance France, 100% of STX Yachting, 100% of STX Horseboxes Kft and 100% of STX Development KFT itself.
Directors
According to the 2025 annual accounts
Director · represented by Zoë Conter
since 2023 · until 2029
Director · represented by Emilie Conter
since 2023 · until 2029
Stephan Conter
Managing director
Also active at: STEPHEX and C°, THADDEUS et Cie, STEPHEX STABLES, STEPHEX SERVICE, ZORREL, STEPHEX BUILDINGS
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Lovegemstraat 8
1861 Meise
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 15 companies are registered at this address.
All companies at this address →Lieve Vrouwenhof Ruiters
The Pony Club of Belgium
STEPHEX and C° same network
€ 4.3 million gross margin · 2025
THADDEUS et Cie same network
€ 347,294 gross margin · 2025
STEPHEX STABLES same network
€ 130.9 million revenue · 2025
+10 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0899.130.117
- VAT number
- BE 0899.130.117
- Registered office
- Lovegemstraat 8, 1861 Meise
- Names & denominations
- STEPHEX HOLDING
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 8 July 2008
- Peppol
- Active · Active since 9 Jan 2026
- Activities · NACE
Groothandel in levend vee
Overige zakelijke dienstverlening, neg
Handelsbemiddeling in de groothandel in andere specifieke goederen
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Groothandel in aanhangwagens, opleggers en caravans
Handel in aanhangwagens, opleggers en caravans
Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)
Handelsbemiddeling in andere motorvoertuigen (> 3,5 ton)
+1