DECEUNINCK STEPHAN
ActiveSummary
DECEUNINCK STEPHAN has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €465k and a net result of €29k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-11
Solvency96▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.25 in 2024; short-term debt: 28% and cash: 3.7% of total assets), and 28.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.1%
Return on assets
4.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-11-2025, 67 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
67 d early
2024
18 d early
2023
40 d early
2022
22 d early
2021
49 d early
2020
5 d early
2019
18 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€465k▲ 6.7%
2024 · €436k
2019: €262k
2020: €290k
2021: €333k
2022: €322k
2023: €339k
2024: €436k
2019 → 2025
Total assets
€654k▼ 12.6%
2024 · €749k
2019: €676k
2020: €713k
2021: €660k
2022: €636k
2023: €631k
2024: €749k
2019 → 2025
Net result
€29k▼ 70.1%
2024 · €97k
2019: €-2k
2020: €29k
2021: €43k
2022: €-11k
2023: €17k
2024: €97k
2019 → 2025
Working capital
€44k▼ 33.4%
2024 · €67k
2019: €23k
2020: €34k
2021: €65k
2022: €24k
2023: €4k
2024: €67k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€333k-€322k▼ 3.2%€339k▲ 5.1%€436k▲ 28.8%€465k▲ 6.7%
Operating result€53k-€1k▼ 97.8%€29k▲ 2,440%€140k▲ 382%€47k▼ 66.4%
Net result€43k-€-11k€17k€97k▲ 487%€29k▼ 70.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 66% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €654k
Fixed assets
€427k ▲ 3.1%
Current assets
€228k ▼ 32.1%
Equity and liabilities €654k
Equity
€465k ▲ 6.7%
Debt
€189k ▼ 39.5%
Debt's share of the balance-sheet total falls from 41.7% to 28.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55k▼
2024 · €147k
Cash flow
€37k▼
2024 · €105k
Current ratio
1.24▼
2024 · 1.25
Quick ratio
1.20▼
2024 · 1.21
Debt to equity
0.41▼
2024 · 0.72
ROE
6.3%▼
2024 · 22.3%
ROA
4.4%▼
2024 · 13.0%
Interest coverage
8.60▼
2024 · 20.95
Debt ≤ 1 year
€183k▼
2024 · €268k
Debt > 1 year
€2k▼
2024 · €41k
Income taxes
€12k▼
2024 · €36k
Staff costs
€73k▼
2024 · €123k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€749k€654k▼
Fixed assets21/28€414k€427k▲
Tangible fixed assets22/27€414k€409k▼
Land and buildings22€410k€404k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€2k€2k▲
Financial fixed assets28€197€18k▲
Current assets29/58€335k€228k▼
Stocks and contracts in progress3€11k€8k▼
Stocks30/36€11k€8k▼
Amounts receivable within one year40/41€235k€179k▼
Trade receivables40€227k€163k▼
Other amounts receivable41€9k€15k▲
Cash at bank and in hand54/58€69k€24k▼
Deferred charges and accrued income490/1€20k€17k▼
Equity and liabilities
Total equity and liabilities10/49€749k€654k▼
Equity10/15€436k€465k▲
Contributions10/11€50k€50k=
Reserves13€386k€415k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€386k€415k▲
Amounts payable17/49€312k€189k▼
Amounts payable after more than one year17€41k€2k▼
Financial debts170/4€41k€2k▼
Amounts payable within one year42/48€268k€183k▼
Current portion of amounts payable after more than one year42€42k€38k▼
Financial debts43€90k€65k▼
Credit institutions430/8€90k€65k▼
Trade debts44€100k€73k▼
Suppliers440/4€100k€73k▼
Taxes, remuneration and social security45€37k€7k▼
Taxes450/3€34k€4k▼
Remuneration and social security454/9€3k€3k▼
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€17k€0▼
Remuneration, social security and pensions62€123k€73k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€8k
Other operating charges640/8€10k€16k▲
Gross operating margin9900€280k€153k▼
Operating profit (loss)9901€140k€47k▼
Financial income75/76B€195€342▲
Recurring financial income75€195€342▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€133k€41k▼
Income taxes67/77€36k€12k▼
Profit (loss) for the period9904€97k€29k▼
Profit (loss) for the period to be appropriated9905€97k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€29k▼
Transfer to equity691/2€97k€29k▼
To other reserves6921€97k€29k▼
Social balance
Average headcount (FTE)90871.9-
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
25-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €97k ▲487%
Operating result €140k, net result €97k, both a record.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €-11k ▼125%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Damme · 1 establishment unit since 1998
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Bloemisterijstraat 178340 DammeGround area
1,490 m²
Building footprint
658 m²
Volume, LiDAR
4,521 m³
Parcel 31026C0796/00Y007, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DECEUNINCK STEPHAN BVBA
since 19982.085.688.258
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31026C0796/00Y007 | Flanders | 1,490 m² | 1 · 658 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
2 categoriesDECEUNINCK STEPHAN BV30602
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 9,510 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-1998
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.