DAKWERKEN STEMA
ActiveThe 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 €10k and a net result of €-19k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 60% of 27676 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 1.5% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency81▼-19
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
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.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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
Sector 43
higher
← 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
55.9%
Return on assets
-105%
Age of the figures
12 mo
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 filingsDeviation 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 →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 65.3%
2024 · €30k
2018: €21k
2019: €11k
2020: €13k
2021: €10k
2022: €13k
2023: €12k
2024: €30k
2018 → 2025
Total assets
€18k▼ 47.1%
2024 · €35k
2018: €64k
2019: €65k
2020: €57k
2021: €62k
2022: €36k
2023: €45k
2024: €35k
2018 → 2025
Net result
€-19k
2024 · €30k
2018: €30k
2019: €-10k
2020: €2k
2021: €-4k
2022: €3k
2023: €-110
2024: €30k
2018 → 2025
Working capital
€9k▼ 68.7%
2024 · €29k
2018: €14k
2019: €-21k
2020: €-17k
2021: €-8k
2022: €4k
2023: €10k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€13k▲ 29.7%€12k▼ 0.9%€30k▲ 138%€10k▼ 65.3%
Operating result€-4k-€3k€-2k€8k€-19k
Net result€-4k-€3k€-110€30k€-19k
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 €19k after €8k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18k
Fixed assets
€1k▲ 54.4%
Current assets
€17k▼ 49.6%
Equity and liabilities €18k
Equity
€10k▼ 65.3%
Debt
€8k▲ 56.0%
The debt ratio rises from 15.0% to 44.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-19k▼
2024 · €8k
Cash flow
€-19k▼
2024 · €30k
Solvency
55.9%▼
2024 · 85.0%
Current ratio
2.11▼
2024 · 6.52
Quick ratio
2.11▼
2024 · 6.52
Debt / equity
0.79▲
2024 · 0.18
ROE
-187.9%▼
2024 · 99.7%
ROA
-105.0%▼
2024 · 84.8%
Interest coverage
-29.98▼
2024 · 15.08
Debt
€8k▲
2024 · €5k
Debt ≤ 1 year
€8k▲
2024 · €5k
Staff costs
€-20▼
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€35k€18k▼
Fixed assets21/28€825€1k▲
Tangible fixed assets22/27€825€1k▲
Plant, machinery and equipment23€825€1k▲
Current assets29/58€34k€17k▼
Amounts receivable after more than one year29€991-
Other amounts receivable291€991-
Amounts receivable within one year40/41€2k€8k▲
Trade receivables40€835€3k▲
Other amounts receivable41€760€5k▲
Cash at bank and in hand54/58€28k€7k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€35k€18k▼
Equity10/15€30k€10k▼
Reserves13€30k€30k=
Non-distributable reserves130/1-€17
Other1319-€17
Distributable reserves133€30k€30k▼
Profit (loss) carried forward14-€-19k
Amounts payable17/49€5k€8k▲
Amounts payable within one year42/48€5k€8k▲
Trade debts44-€4k
Suppliers440/4-€4k
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Remuneration and social security454/9€500-
Other amounts payable47/48€24€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€24k€-20▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€200€451▲
Other operating charges640/8€560€304▼
Gross operating margin9900€33k€-19k▼
Operating profit (loss)9901€8k€-19k▼
Financial income75/76B€32k€684▼
Recurring financial income75€32k€684▼
Financial charges65/66B€537€634▲
Recurring financial charges65€537€634▲
Profit (loss) for the period before taxes9903€39k€-19k▼
Income taxes67/77€10k-
Profit (loss) for the period9904€30k€-19k▼
Profit (loss) for the period to be appropriated9905€30k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€-19k▼
Profit (loss) brought forward from the previous period14P€-8k-
Transfer from equity791/2€2k-
Transfer to equity691/2€24k-
To other reserves6921€24k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-19k ▼165%
Net result drops to €-19k, the lowest in the series.
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
30-09
Financial
Liquidity times 5current ratio 6.52
Current ratio from 1.32 to 6.52; short-term debt falls from €32k to €5k.
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
15-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 15 days late
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Veurne · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Nieuwpoortkeiweg 228630 VeurneGround area
182 m²
Building footprint
133 m²
Volume, LiDAR
918 m³
Parcel 38025C0104/00P005, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA DAKWERKEN STEMA
since 20162.257.563.647
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025C0104/00P005 | Flanders | 181 m² | 1 · 133 m² | 12.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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HYDROPOSE
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PHILEXP
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Of 366 companies in sector 43421 we hold annual accounts for 203. 107 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2016
Fiscal year end30-09
Activities, NACEBEL
43421Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.