STEBO CONSTRUCT
ActiveSummary
STEBO CONSTRUCT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-10k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 37% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability5▼-84
Solvency60▼-10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 2.47 in 2024; short-term debt: 41.9% of total assets), but 64.9% of the assets are financed with debt.
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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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.1%
Return on assets
-10.8%
Age of the figures
15 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-02-2026, 7 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
4 d late
2023
5 d late
2022
19 d late
2021
on the day
2020
11 d late
2019
24 d late
← 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 close25-09-2026 today31-01-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€34k▼ 23.5%
2024 · €44k
Total assets
€97k▼ 2.5%
2024 · €99k
Net result
€-10k
2024 · €16k
Working capital
€29k▼ 25.2%
2024 · €38k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3k▼ 74.3%€1k▼ 42.2%€11k▲ 670%€23k▲ 99.5%€-8k
Net result€2k▼ 70.5%€767▼ 59.4%€8k▲ 943%€16k▲ 104%€-10k
Equity€19k▲ 10.9%€20k▲ 4.0%€28k▲ 40.0%€44k▲ 58.3%€34k▼ 23.5%
Total assets€42k▲ 5.6%€35k▼ 15.3%€44k▲ 23.3%€99k▲ 128%€97k▼ 2.5%
Debt€22k▲ 1.5%€15k▼ 31.9%€16k▲ 1.4%€55k▲ 254%€63k▲ 14.5%
Working capital€19k▲ 15.8%€20k▲ 6.9%€28k▲ 40.0%€38k▲ 37.4%€29k▼ 25.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€27k ▼ 20.6%
Current assets
€69k ▲ 7.2%
Equity and liabilities €97k
Equity
€34k ▼ 23.5%
Debt
€63k ▲ 14.5%
Debt's share of the balance-sheet total rises from 55.3% to 64.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-1k▼
2024 · €24k
Cash flow
€-3k▼
2024 · €17k
Current ratio
1.71▼
2024 · 2.47
Debt to equity
1.85▲
2024 · 1.24
ROE
-30.7%▼
2024 · 36.8%
ROA
-10.8%▼
2024 · 16.5%
Interest coverage
-0.48▼
2024 · 32.42
Debt ≤ 1 year
€40k▲
2024 · €26k
Debt > 1 year
€22k▼
2024 · €29k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €660 | €528 | - | €1k | €7k | ▲ 604% |
| Other operating charges640/8 | - | €2k | €1k | €899 | €2k | ▲ 105% |
| Gross operating margin9900 | €4k | €4k | €13k | €25k | €769 | ▼ 96.9% |
| Operating profit (loss)9901 | €3k | €1k | €11k | €23k | €-8k | ▼ 136% |
| Financial income75/76B | - | €1 | - | €1 | €31 | ▲ 3,000% |
| Recurring financial income75 | €7 | €1 | - | €1 | €31 | ▲ 3,000% |
| Financial charges65/66B | - | €101 | €82 | €738 | €2k | ▲ 205% |
| Recurring financial charges65 | €50 | €101 | €82 | €738 | €2k | ▲ 205% |
| Profit (loss) for the period before taxes9903 | €3k | €1k | €11k | €22k | €-10k | ▼ 147% |
| Income taxes67/77 | €650 | €625 | €3k | €6k | - | - |
| Profit (loss) for the period9904 | €2k | €767 | €8k | €16k | €-10k | ▼ 164% |
| Profit (loss) for the period to be appropriated9905 | €2k | €767 | €8k | €16k | €-10k | ▼ 164% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €42k | €35k | €44k | €99k | €97k | ▼ 2.5% |
| Fixed assets21/28 | €528 | - | - | €35k | €27k | ▼ 20.6% |
| Tangible fixed assets22/27 | €528 | - | - | €35k | €27k | ▼ 20.6% |
| Leasing and similar rights25 | - | - | - | €35k | €27k | ▼ 20.6% |
| Current assets29/58 | €41k | €35k | €44k | €65k | €69k | ▲ 7.2% |
| Stocks and contracts in progress3 | €4k | - | - | - | - | - |
| Amounts receivable within one year40/41 | €29k | €31k | €43k | €59k | €69k | ▲ 16.6% |
| Trade receivables40 | - | €6k | €15k | €19k | €29k | ▲ 57.3% |
| Other amounts receivable41 | - | €25k | €28k | €41k | €40k | ▼ 2.0% |
| Cash at bank and in hand54/58 | €9k | €4k | €822 | €5k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €42k | €35k | €44k | €99k | €97k | ▼ 2.5% |
| Equity10/15 | €19k | €20k | €28k | €44k | €34k | ▼ 23.5% |
| Contributions10/11 | - | €7k | €7k | €7k | €7k | = |
| Reserves13 | €11k | €11k | €19k | €37k | €28k | ▼ 24.1% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | €9k | €17k | €37k | €28k | ▼ 24.1% |
| Profit (loss) carried forward14 | €972 | €2k | €2k | - | €-1k | - |
| Amounts payable17/49 | €22k | €15k | €16k | €55k | €63k | ▲ 14.5% |
| Amounts payable after more than one year17 | - | - | - | €29k | €22k | ▼ 22.3% |
| Financial debts170/4 | - | - | - | €29k | €22k | ▼ 22.3% |
| Amounts payable within one year42/48 | €22k | €15k | €16k | €26k | €40k | ▲ 54.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €6k | €6k | ▲ 7.2% |
| Financial debts43 | - | - | - | - | €2k | - |
| Credit institutions430/8 | - | - | - | - | €2k | - |
| Trade debts44 | €19k | €13k | €9k | €14k | €25k | ▲ 81.3% |
| Suppliers440/4 | - | €13k | €9k | €14k | €25k | ▲ 81.3% |
| Taxes, remuneration and social security45 | - | €3k | €6k | €6k | €6k | = |
| Taxes450/3 | - | €3k | €6k | €6k | €6k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €767 | €8k | €16k | €-10k | ▼ 164% |
| + Depreciation and write-downs630 | €660 | €528 | - | €1k | €7k | ▲ 604% |
| Operating cash flow (approximation) | €3k | €1k | €8k | €17k | €-3k | ▼ 119% |
| Investment in fixed assets (approximation) | - | - | - | - | €0 | - |
| Change in cash | - | €-4k | €-4k | €4k | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
30-06
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Highest result since 2019net €16k ▲104%
Operating result €23k, net result €16k, both a record.
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
19-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 117 days late
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-01
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Ronse · 1 establishment unit since 2009
Ground area
1,507 m²
Building footprint
814 m²
Volume, LiDAR
4,236 m³
2 parcels, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Viermaartlaan 7, 9600 Ronse
since 20092.183.695.969
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422D0783/00T010 | Flanders | 952 m² | 1 · 666 m² | 10.6 m · 1 fl. |
| 45422D0771/00V004 | Flanders | 555 m² | 1 · 148 m² | 11.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 20,028 companies in sector 43320 we hold annual accounts for 9,133. 6,950 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-11-2009
Fiscal year end30-06
Activities, NACEBEL 2025
43320Joinery installation
43221Plumbing work
43410Roofing work
Scores and ratios are computed by Checked and are not a credit decision.