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Schildersbedrijf Stessel

Active
Private limited companyfounded 2022active for 3 yearsBovenstraat 51, 3545 Halen, BelgiumKBO/BCE: BE 0795.096.033
Summary

The computed 12-month bankruptcy probability of Schildersbedrijf Stessel is 2.7% (moderate). The 2025 annual accounts show negative equity (-€12,357) and a net result of -€16,164. Equity is shrinking by about 121% per year across the filed financial years. Its solvency ranks better than 5% of 34,807 sector peers (NACE 43, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

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Schildersbedrijf StesselActiveChecked score 49/100
Risk analysis ReportCompare

Overview

Activity
Painting of buildings
NACE 43341
1 site
Size
€4,188total assets 2025
Equity
-€12,357
Loss
-€16,164
Turnover not published (micro format)
Financial health
49 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.7%
Structure
2025 accounts 19 days early
Why 49raises riskLiquidity: current ratio 0.18Sector: Specialised construction activities (NACE 43)Founded in 2022lowers riskSize: total assets €4,188Show the evidence

Checked score

Score 2025
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 2% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 0-54
equity -295.1% of total assets
Liquidity 0-25
short-term debt 393.5%
Profitability 0=
return on assets -386.0%
Bankruptcy probability, 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 11-2024: 3.0% 12-2024: 3.0%● unchanged vs 11-2024 01-2025: 3.0%● unchanged vs 12-2024 02-2025: 3.0%● unchanged vs 01-2025 03-2025: 3.1%▲ +0.1 percentage points vs 02-2025 04-2025: 3.7%▲ +0.6 percentage points vs 03-2025 05-2025: 4.5%▲ +0.8 percentage points vs 04-2025 06-2025: 4.5%● unchanged vs 05-2025 07-2025: 4.7%▲ +0.2 percentage points vs 06-2025highest value 08-2025: 2.4%▼ -2.3 percentage points vs 07-2025 09-2025: 2.3%▼ -0.1 percentage points vs 08-2025 10-2025: 2.3%● unchanged vs 09-2025 11-2025: 2.3%● unchanged vs 10-2025 12-2025: 2.3%● unchanged vs 11-2025 01-2026: 1.6%▼ -0.7 percentage points vs 12-2025lowest value 02-2026: 1.6%● unchanged vs 01-2026lowest value 03-2026: 1.7%▲ +0.1 percentage points vs 02-2026 04-2026: 1.7%● unchanged vs 03-2026 05-2026: 1.8%▲ +0.1 percentage points vs 04-2026 06-2026: 1.8%● unchanged vs 05-2026 07-2026: 1.9%▲ +0.1 percentage points vs 06-2026 08-2026: 3.1%▲ +1.2 percentage points vs 07-2026 09-2026: 2.7%▼ -0.4 percentage points vs 08-2026 10-2026: 2.7%● unchanged vs 09-2026
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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 43, micro): better than 3% on solvency, 1% on liquidity, 4% on profitability and 1% on growth.

The bankruptcy probability was computed on 30-10-2026 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

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €4,188
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.18
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Founded in 2022
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
232425
2023 to 2025 · latest year -€12,357
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 12-07-2026, 19 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
19 days early
2024
21 days early
2023
27 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 22 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% 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 10 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2022.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Weakest financial yearnet -€16,164
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€12,357 View
  • Caution: Among the weakest 5% on solvencysector median 46.8% · 34,807 companies -295.1% View
  • Caution: 2 loss-making years in a rowloss financial year 2025 -€16,164 View

By topic

Financials

Financial year
2025
Total assets
€4,188
Loss
-€16,164
Solvency
-295.1%
Total assets▼ 67.9%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2022
Next accounts
by 31-07-2027
  1. 04-07-2024Annual accounts filed
  2. 15-12-2023Registered office
  3. 22-12-2022Incorporation
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Painting of buildingsNACE 43341
Founded
20-12-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
42
Annual meeting
Last Friday of June at 20:00
Purpose
“Onderneming voor het schilder-,muur- en behangwerken,vloer- en wandbekleding en…” (deed in Dutch)
Statutory auditor
No statutory auditor
Go to Articles of association

Key facts about Schildersbedrijf Stessel

What is the company number of Schildersbedrijf Stessel?
0795.096.033. In Belgium the VAT number is the company number with BE in front: BE 0795.096.033.
Where is Schildersbedrijf Stessel based?
The registered office is at Bovenstraat 51, 3545 Halen.Company details
What does Schildersbedrijf Stessel do?
According to the KBO register, the main activity is painting of buildings (NACE 43341).
What is the legal form of Schildersbedrijf Stessel?
Private limited company (BV).
When was Schildersbedrijf Stessel founded?
On 20-12-2022.
Is Schildersbedrijf Stessel still active?
Yes, Schildersbedrijf Stessel is an active enterprise in the KBO register.
What is the turnover of Schildersbedrijf Stessel?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is Schildersbedrijf Stessel profitable?
In financial year 2025, Schildersbedrijf Stessel made a loss of €16,164.
Where can I find the annual accounts of Schildersbedrijf Stessel?
Schildersbedrijf Stessel filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Schildersbedrijf Stessel due?
By 31-07-2027, for financial year 2026.Timeline

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