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DAKWERKEN STEMA

Active
Private limited companyfounded 20169 yrs activeNieuwpoortkeiweg 22, 8630 Veurne, BelgiumKBO/BCE: BE 0663.832.168
Summary

The annual accounts of DAKWERKEN STEMA for fiscal year 2025 show a net loss of 105% of total assets and of 65% of the equity at the start of that year. The 2025 annual accounts show equity of €10,322 and a net result of -€19,395. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 60% of 33926 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisWatch ReportCompare
DAKWERKEN STEMAActiveChecked score 55/100
Risk analysis ReportCompare

Overview

Activity
Specialised construction activities
NACE 43421NACE 43991
1 site
Size
€18,480total assets 2025
Equity
€10,322
Loss
-€19,395
Turnover not published (abridged schema)
Financial health
55 Fair Checked score 2025
Bankruptcy chance 12 m
0.6%
Structure
Accounts 35 d early0 of 2 deeds read
Why 55Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €19,395 (FY 2025)- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 2.11, cash €7,156, halved+ Size: total assets €18,480Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 37% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 81-19
equity 55.9% of total assets
Liquidity 77-20
short-term debt 44.1% · cash 38.7%
Profitability 0-100
return on assets -105.0%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,514 companies)
Last 24 months 11-2024: 1.1%highest value 12-2024: 0.9%▼ -12.0% vs 11-2024 01-2025: 1.1%▲ +12.2% vs 12-2024 02-2025: 0.9%▼ -10.7% vs 01-2025 03-2025: 0.9%▼ -2.3% vs 02-2025 04-2025: 0.1%▼ -87.5% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%▼ -0.9% vs 06-2025 08-2025: 0.1%● 0.0% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%▼ -12.3% vs 09-2025 11-2025: 0.1%▼ -2.0% vs 10-2025lowest value 12-2025: 0.1%▲ +4.1% vs 11-2025 01-2026: 0.1%▲ +6.9% vs 12-2025 02-2026: 0.1%▲ +11.9% vs 01-2026 03-2026: 0.1%▼ -4.9% vs 02-2026 04-2026: 0.6%▲ +416% vs 03-2026 05-2026: 0.6%● 0.0% vs 04-2026 06-2026: 0.6%● 0.0% vs 05-2026 07-2026: 0.6%● 0.0% vs 06-2026 08-2026: 0.6%● 0.0% vs 07-2026 09-2026: 0.6%● 0.0% vs 08-2026 10-2026: 0.6%▼ -1.0% vs 09-2026
  • Loss of €19,395 (FY 2025) raises the probability
  • Liquidity: current ratio 2.11, cash €7,156, halved lowers the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Size: total assets €18,480 lowers the probability for this profile
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.11 against 6.52 in 2024; short-term debt: 44.1% and cash: 38.7% of total assets), and 44.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 61%, liquidity 75%, profitability 4%, growth against the median 7%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €19,395 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 2.11, cash €7,156, halved
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Size: total assets €18,480
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
35 d early
2024
35 d early
2023
42 d early
2022
33 d early
2021
32 d early
2020
39 d early
2019
35 d 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 26 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 26 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close05-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€19,395
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Among the weakest 8% on net resultsector median €10,149 · 33,913 companies -€19,395 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Total assets 20256 fiscal years filed €18,480 View

By topic

Financials

Fiscal year
2025
Total assets
€18,480
Loss
-€19,395
Solvency
55.9%
Total assets▼ 47.1%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2018
Next accounts
by 30-04-2027
  1. 26-03-2026Annual accounts filed
  2. 30-09-2025Weakest financial year
  3. 26-03-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Specialised construction activitiesNACE 43421
Founded
05-10-2016
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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