Age7 yrs
Real estate2 parcels · 7,693 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of STM CONSTRUCT is 2.1% (moderate). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 20 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.
How we compute the deadline
The year end is derived from 6 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 29-08-2025 | 29 d late | 2025-00451438 |
| 31-12-2023 | 31-07-2024 | 29-08-2024 | 29 d late | 2024-00400901 |
| 31-12-2022 | 31-07-2023 | 29-08-2023 | 29 d late | 2023-00405024 |
| 31-12-2021 | 31-07-2022 | 29-08-2022 | 29 d late | 2022-20386168 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-62200226 |
| 31-12-2019 | 31-07-2020 | 28-08-2020 | 28 d late | 2020-47500161 |
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
2 signalsMore than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.1%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBBFinancials being processed
NBB has 6 filing(s) on record for this company, latest fiscal year 2024 (volledig). The annual accounts are being processed.
Filings on record
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | volledig | 29-08-2025 | 2025-00451438 |
| 31-12-2023 | volledig | 29-08-2024 | 2024-00400901 |
| 31-12-2022 | micro | 29-08-2023 | 2023-00405024 |
| 31-12-2021 | micro | 29-08-2022 | 2022-20386168 |
| 31-12-2020 | micro | 31-08-2021 | 2021-62200226 |
| 31-12-2019 | micro | 28-08-2020 | 2020-47500161 |
Directors
Directors & mandates
1 director6 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Former directors (1)
-
Pierre-André PuttemansManaging directorState Gazette act 24168161 (27-11-2024)Former- → 12-03-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Algemene bouw van residentiële gebouwen(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 10-01-2019 |
| Status | Active |
| Postal code | 5300 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationSTM Construct et Gestion
since 20192.285.389.779
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area7,693 m²
Buildings2
Building footprint2,555 m²
Real-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.
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92411D0076/00N000 | Wallonia | 6,017 m² | 1 · 2,550 m² | - |
| 92411D0027/00M002 | Wallonia | 1,676 m² | 1 · 5 m² | - |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts All acts · 2
updated 1 year ago
2024
27-11-2024 Pierre-André Puttemans resigns as managing director
- Pierre-André Puttemans, Gedelegeerd bestuurder
2023
21-02-2023 Change in the board of directors
Notary:
Benjamin Dekeyser · Andenne
Analysis
Credit advice
verdict per customer and amountSimilar
Similar companies
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 5,401 of the 29,591 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Algemene bouw van residentiële gebouwen41001Algemene bouw van kantoorgebouwen41002Dakwerkzaamheden43410
Primary activity highlighted.
Names & trade names
| Legal nameFR | STM CONSTRUCT |
Registered office
Rue Géron 19A
5300 Andenne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.