Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
Summary
Conclusion
the dossier summarised in one paragraphThe file of General Constructor Stefan contains 2 historical bankruptcy publications, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 1.4% (low). The 2024 annual accounts show equity of €21k and a net result of €-7k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 23% of 11087 sector peers (fiscal year 2024).
Based on the State Gazette, CBE and 7 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
2 eventsSignals
2 signals · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 27-06-2025 | 34 d early | 2025-00185869 |
| 31-12-2023 | 31-07-2024 | 31-08-2024 | 31 d late | 2024-00422046 |
| 31-12-2022 | 31-07-2023 | 27-06-2023 | 34 d early | 2023-00162836 |
| 31-12-2021 | 31-07-2022 | 18-07-2022 | 13 d early | 2022-20200933 |
| 31-12-2020 | 31-07-2021 | 02-08-2021 | 2 d late | 2021-45300518 |
| 31-12-2019 | 31-07-2020 | 01-09-2020 | 32 d late | 2020-49300526 |
| 31-12-2018 | 31-07-2019 | 11-07-2019 | 20 d early | 2019-31500007 |
| 31-12-2017 | 31-07-2018 | 02-07-2018 | 29 d early | 2018-26500219 |
| 31-12-2016 | 31-07-2017 | 21-07-2017 | 10 d early | 2017-35100445 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
1 signalAdministrative Flags
Financials
Annual accounts & ratios
Source: NBB · 2024How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 17.4% | 40.9% | |
| Net result | €-7k | €11k | |
| Equity | €21k | €34k | |
| Gross operating margin | €24k | €35k | |
| Staff costs | €23k | €25k |
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-832 |
| Net profit | €-7k |
| Cash flow | €-3k |
| Staff costs | €23k |
| Income taxes | €912 |
| Dividends | - |
| Total assets | €120k |
| Equity | €21k |
| Debt | €99k |
| of which ≤ 1y | €99k |
| of which > 1y | - |
| Working capital | €13k |
| Employees (FTE) | 1.4 |
| 2024 | |
|---|---|
| Current ratio | 1.13 |
| Quick ratio | 1.13 |
| Working capital ratio | 10.9% |
| Solvency | 17.4% |
| Debt / equity | 4.73 |
| Long-term debt ratio | - |
| Interest coverage | -0.75 |
| Gross margin | - |
| Net margin | - |
| ROA | -5.6% |
| ROE | -31.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €120k |
| Fixed assets | 21/28 | €8k |
| Tangible fixed assets | 22/27 | €8k |
| Current assets | 29/58 | €112k |
| Amounts receivable within one year | 40/41 | €103k |
| Cash & bank | 54/58 | €8k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €120k |
| Equity | 10/15 | €21k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €451 |
| Amounts payable | 17/49 | €99k |
| Amounts payable within one year | 42/48 | €99k |
| Trade debts payable within one year | 44 | €37k |
| Income statement | ||
| Gross operating margin | 9900 | €24k |
| Operating result | 9901 | €-5k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €-6k |
| Income taxes | 67/77 | €912 |
| Net result for the period | 9904 | €-7k |
| Result to be appropriated | 9905 | €-7k |
Health barometer
FY 2024 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Directors
Directors & mandates
3 acts for this company are in the Belgian State Gazette, of which we have read 0. This is therefore not a statement about the company: we have not extracted its directors from those acts yet.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | DIRK DEVROE KROMVENDREEF 15, 2900 SCHOTEN- |
04-04-2024 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Overige gespecialiseerde bouwactiviteiten, neg(43990) |
| Legal form | Private limited company(610) |
| Incorporation | 07-09-2015 |
| Status | Active |
| Postal code | 2060 |
| First BS signal | 12-04-2024 |
| Latest BS signal | 21-06-2024 |
Structure & network
Ownership & control
No ownership or control structure found in the sources.
For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.
1 court or liquidation mandate is on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0704/00D003 | Flanders | 172 m² | 1 · 119 m² | 15.7 m · 4 fl. |
Publications
Lifecycle & Insolvency Signals
2 events from the State GazetteTime machine: BS events + macro context
2021-2026Belgisch Staatsblad · acts
1 acts02-02-2024 Articles of association amended, translation of the articles, coordination of the articles and full restatement of the articles
Analysis
Snowflake analysis
financial profile on 5 axesFragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
AI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameNL | General Constructor Stefan |