Equity
€83,364 from €207,433 in 2009
Equity fell by 60% in 16 years.
STECAMO
Lifetime
20 annual accounts with figures on one time axis, 29 filings since 1997peak €111,121 (2008)
-€12,803▼ €36,245
lowest -€25,776 (2017)
-€19,688▼ €20,159
peak €207,433 (2009)
€83,364▼ 40.2%
€600▼ 99.3%
peak 0 FTE (2025)
0 FTE
Board4 names since 2020
1 directorPARFINOST HUN
Documentsfilings and deeds
02-07-202629 days before the deadline
2025abbreviated format
Gross margin from €23,442 to -€12,803Loss of €19,688Equity from €139,325 to €83,364Debts from €80,229 to €600
Key points
from the 2025 annual accountsLiquidity
10.56 was 1.83 in 2024
Short-term debts fell from €75,363 to €600.
At the same address
30 companies
Turnover not published (abbreviated or micro format)
Checked score
69
Healthy
Financially stronger than 38% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,555 companies (NACE 70, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.4%▲ +0.3 percentage points vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.5%▲ +0.1 percentage points vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.7%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 0.7%● unchanged vs 08-2026highest value
10-2026: 0.7%● unchanged vs 09-2026highest value
11-2026: 0.7%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
1 change of registered office in 24 months
Loss of €19,688 (financial year 2025)
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Equity €83,364 (99.3% of total assets)
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 70, micro). It does better than 86% of them on solvency, 47% on liquidity, 4% on profitability and 15% on growth.
The bankruptcy probability was computed on 06-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as STECAMO has now. Each dot stands for 15 companies, two years later.
84.6%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STECAMO itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for STECAMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 10.56 (1.83 in 2024), above the usual 1.5. Short-term debt is 0.7% and cash 4.8% of total assets. 0.7% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 days early
2024
26 days early
2023
56 days early
2022
28 days early
2021
36 days early
2020
11 days early
2019
24 days early
← 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 30 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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 2 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Heule to Deinze
New registered office: Kapellestraat 70 te 9800 Deinze · Previous registered office: Wittestraat 14 te 8501 Heule · Resignations: Potteau Steven (director) and Devlies Catherine (director) · General meeting of 29-10-2025 · Gazette deed
Changes of role: POTTEAU Steven Geert Wim (director) and DEVLIES Catherine André Anna Marie (director)
Director discharge: POTTEAU Steven Geert Wim · Director discharge: DEVLIES Catherine André Anna Marie · Legal-form conversion: from public limited company to private limited company · General meeting of 30-03-2021 · Gazette deed
1 director appointed, 1 resignation, 2 reappointments
Resignation: Potteau Paul (chair of the board) · Reappointments: Potteau Steven (managing director) and Devlies Catherine (managing director) · Appointment: Devlies Catherine (chair of the board) · General meeting of 26-06-2020 · Gazette deed
First establishment
Wittestraat 14, Kortrijk
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STECAMO Deinze | €83,965 | -€12,803 | 99.3% | 0 |
| LAURENT DEGRYSE Etterbeek | €84,087 | -€2,320 | -16.8% | 0 |
| WIN CO Keerbergen | €109,860 | -€53,411 | 71.0% | 0 |
| DAPEMI Uccle | €54,496 | -€3,369 | -370.9% | 0 |
| HD - I Brussels | €126,868 | -€18,536 | 91.5% | 0 |
| SCHONKEREN ENGINEERING MANAGEMENT Kapellen | €145,385 | -€19,471 | 42.2% | 0 |
| AVANTGARDE Brasschaat | €155,326 | -€7,941 | 59.1% | 0 |
These companies have the same main activity as STECAMO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €54,500 and €155,000, founded between 1996 and 2003.
Official details
Source: KBO- Status
- Active since 06-12-1996Normal situation
- Registered office
- 31 active companies are registered at this addressSource: KBO register, as of 7 November 2026.
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.079.467.8858501 Kortrijk, since 13-12-1996
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €83,965▼ 61.8%
- Filing
- Filed on 02-07-2026, 29 days before the end of the filing period
Insights on STECAMO
STECAMO files the abbreviated format. That format states no turnover. The gross margin fell from €70,274 in 2006 to -€12,803 in 2025.
The balance sheet grew most in 2008 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STECAMO
- What is the company number of STECAMO?
- The company number of STECAMO is 0459.354.188. The VAT number is the same number with BE in front: BE 0459.354.188.
- Where is STECAMO based?
- The registered office is at Kapellestraat 70, 9800 Deinze.Company details
- What does STECAMO do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of STECAMO?
- STECAMO is a private limited company (BV).
- When was STECAMO founded?
- STECAMO was founded on 06-12-1996.
- Is STECAMO still active?
- Yes, STECAMO is an active enterprise in the KBO register.
- What is the turnover of STECAMO?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is STECAMO profitable?
- In financial year 2025, STECAMO made a loss of €19,688.
- Where can I find the annual accounts of STECAMO?
- STECAMO filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STECAMO due?
- STECAMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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