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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 is growing by about 3.5% per year across the filed financial years. Its solvency ranks better than 43% of 9,327 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.

Risk analysisFollow ReportCompare
Bouwgroep STEDIActiveChecked score 52/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
≈ €68,000turnover 2025, estimated
Equity
€108,755
Profit
€1,472
Turnover estimated from the gross margin
Financial health
52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.5%
Structure
2025 accounts filed 61 days late2 of 7 deeds summarised
Why 52raises riskLast filed accounts filed 61 days late; 3 of the last 3 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 better than 39% of its sector peers (NACE 41, micro)
Every signal that counts is listed under Signals.
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, 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% (13,446 companies, NACE 41, micro)
Last 24 months 11-2024: 1.4% 12-2024: 1.4%● unchanged vs 11-2024 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
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.43, compared with 2.13 in 2024, above the usual 1.5; short-term debt: 41% and cash: 4.4% of total assets), but 63.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 44% on solvency, 32% on liquidity, 41% on profitability and 39% on growth.

The bankruptcy probability was computed on 28-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
raises risk
raises risk · Last filed accounts filed 61 days late; 3 of the last 3 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 its 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

This company filed its last 7 accounts on average 85 days after the deadline; the sector median (NACE 41) for financial year 2024 is 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 filed years within 57 days of that day).
Companies Code · seven months
Where today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Caution: Latest accounts filed lateafter the legal deadline 61 days View
  • Positive: 5 profitable years in a rowprofit 2025: €1,472 5 years View
  • Board2 directors in office 2 View

By topic

Financials

Financial year
2025
Total assets
€294,746
Profit
€1,472
Solvency
36.9%
Total assets▼ 8.7%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2018
Next accounts
by 31-07-2027
  1. 28-12-2023Resignation: MERTENS Diane (manager)
  2. 17-12-2023Annual accounts filed
  3. 23-03-2023Appointment: Roosen Stefan (additional director)
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
28-05-2015
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
12
Who signs
Each director alone
Annual meeting
Third Wednesday of June at 18:00
Purpose
“Vervaardigen van metalen constructies of gebinten voor de bouw; Vervaardigen van gesmede…” (deed in Dutch)
Go to Articles of association

Key facts about Bouwgroep STEDI

What is the company number of Bouwgroep STEDI?
0630.923.632. In Belgium the VAT number is the company 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?
Private limited company (BV).
When was Bouwgroep STEDI 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?
On average 1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of Bouwgroep STEDI?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
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?
By 31-07-2027, for financial year 2026.Timeline

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