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Bouwgroep STEDI

Active
Private limited companyfounded 2015active for 11 yearsHasseltsesteenweg 84, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0630.923.632
Summary

The computed 12-month bankruptcy probability of Bouwgroep STEDI is 2.5% (moderate). The 2025 annual accounts show equity of €108,755 and a net result of €1,472. Equity has been growing by about 3.5% per year since 2018. Its solvency ranks better than 43% of 9,380 sector peers (NACE 41, financial year 2025). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 28-05-2015 Normal situation
Activity
General construction of residential buildings NACE 41001and 1 other
Establishment unit
2.246.353.912 3800 Sint-Truiden, since 28-05-2015
Financial year end
31 December
Peppol
Reachable since 31-12-2025

Board and ownership

Board

Financial position

52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.5%
Annual accounts 2025
Gross margin
€5,627
▲ 215%
Turnover
≈ €68,000
estimated
Profit
€1,472
▲ 307%
Equity
€108,755
▲ 1.4%
Total assets
€294,746
▼ 8.7%
  • 2025 accounts filed 61 days after the deadline
Filed on 30-09-2026
Score breakdownraises riskLast filed accounts filed 61 days late; 3 of the last 3 accounts lateSector: Construction of residential and non-residential buildings (NACE 41)Size: total assets €294,746Liquidity: current ratio 2.43, cash €12,913Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 39% of micro companies in construction of buildings (NACE 41)
Financial strength · tick: 2024
Average
Solvency 62+4
equity 36.9% of total assets
Liquidity 36+4
short-term debt 41.0% · cash 4.4%
Profitability 69=
return on assets 0.5%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,452 companies, NACE 41, micro)
Last 24 months 12-2024: 1.4% 01-2025: 1.3%▼ -0.1 percentage points vs 12-2024 02-2025: 1.3%● unchanged vs 01-2025 03-2025: 1.3%● unchanged vs 02-2025 04-2025: 1.3%● unchanged vs 03-2025 05-2025: 1.4%▲ +0.1 percentage points vs 04-2025 06-2025: 1.3%▼ -0.1 percentage points vs 05-2025lowest value 07-2025: 1.4%▲ +0.1 percentage points vs 06-2025 08-2025: 1.8%▲ +0.4 percentage points vs 07-2025 09-2025: 2.0%▲ +0.2 percentage points vs 08-2025 10-2025: 2.9%▲ +0.9 percentage points vs 09-2025 11-2025: 2.9%● unchanged vs 10-2025 12-2025: 2.8%▼ -0.1 percentage points vs 11-2025 01-2026: 2.8%● unchanged vs 12-2025 02-2026: 2.8%● unchanged vs 01-2026 03-2026: 2.8%● unchanged vs 02-2026 04-2026: 2.8%● unchanged vs 03-2026 05-2026: 2.8%● unchanged vs 04-2026 06-2026: 2.6%▼ -0.2 percentage points vs 05-2026 07-2026: 2.6%● unchanged vs 06-2026 08-2026: 3.2%▲ +0.6 percentage points vs 07-2026 09-2026: 3.6%▲ +0.4 percentage points vs 08-2026highest value 10-2026: 2.5%▼ -1.1 percentage points vs 09-2026 11-2026: 2.5%● unchanged vs 10-2026
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.43 (2.13 in 2024), above the usual 1.5. Short-term debt is 41% and cash 4.4% of total assets. However, 63.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 44% of them on solvency, 31% on liquidity, 41% on profitability and 39% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
raises risk
raises risk · Last filed accounts filed 61 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Size: total assets €294,746
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 2.43, cash €12,913
NBB · annual accounts
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
61 days late
2024
118 days late
2023
31 days late
2022
139 days late
2021
31 days late
2020
90 days late
2019
122 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 85 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 September (4 of the last 5 accounts filed within 57 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 5 profitable years in a rowprofit 2025: €1,472 5 years View

Recent changes

  1. · Gazette deed Change of role: MERTENS Diane, from manager to director
  2. · Gazette deed Transfer of 50 sharesAppointment: Roosen Stefan (additional director)
  3. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as Bouwgroep STEDI: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €246,000 and €439,000, founded between 2010 and 2018.

CompanyTotal assetsGross margin
Bouwgroep STEDI Sint-Truiden€294,746€5,627
BEAU-INVEST Tremelo€300,116€6,269
MDF Dendermonde€322,359€5,884
Plano-Logic Soignies€246,489€7,598
ECOPLAST BENELUX Liège€269,015€4,923
Rinoo Schaarbeek€439,382€5,219
SPRL ACODIM Pepinster€294,742€6,810
Full comparison

Key facts about Bouwgroep STEDI

What is the company number of Bouwgroep STEDI?
The company number of Bouwgroep STEDI is 0630.923.632. The VAT number is the same number with BE in front: BE 0630.923.632.
Where is Bouwgroep STEDI based?
The registered office is at Hasseltsesteenweg 84, 3800 Sint-Truiden.Company details
What does Bouwgroep STEDI do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of Bouwgroep STEDI?
The legal form of Bouwgroep STEDI is Private limited company (BV).
When was Bouwgroep STEDI founded?
Bouwgroep STEDI was founded on 28-05-2015.
Is Bouwgroep STEDI still active?
Yes, Bouwgroep STEDI is an active enterprise in the KBO register.
How many employees does Bouwgroep STEDI have?
Bouwgroep STEDI had an average of 1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of Bouwgroep STEDI?
The turnover in financial year 2025 is ≈ €68,000. This figure is estimated from the gross margin of €5,627 and 268 comparable companies (NACE 41001). It probably lies between €35,000 and €120,000. It is a rough estimate.
Is Bouwgroep STEDI profitable?
In financial year 2025, Bouwgroep STEDI made a profit of €1,472.
Where can I find the annual accounts of Bouwgroep STEDI?
Bouwgroep STEDI filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Bouwgroep STEDI due?
Bouwgroep STEDI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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