Turnover
≈ €240,000 estimated
The micro format states no turnover.
Schilderwerken Stef Van Daele
Lifetime
2 annual accounts with figures on one time axisGross marginpeak €25,214 (2024)
€24,190▼ 4.1%
Resultpeak €14,185 (2024)
€5,112▼ 64.0%
Equitypeak €20,297 (2025)
€20,297▲ 33.7%
Debts
€36,041▲ 248%
Board1 name since 2023
1 directorVAN DAELE Stef
Documentsfilings and deeds
10-06-202651 days before the deadline
2025micro format
Result from €14,185 to €5,112Equity from €15,185 to €20,297Debts from €10,342 to €36,041Investments €30,701Cash from €875 to €14,122
Key points
from the 2025 annual accountsInvestments
€36,027 3.5 × depreciation
Green is investment, beige is depreciation.
Starting capital
€1,000 100 shares
Checked score
66
Healthy
Financially stronger than 59% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,685 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2025: 1.9%
02-2025: 1.9%● unchanged vs 01-2025
03-2025: 2.0%▲ +0.1 percentage points vs 02-2025
04-2025: 2.4%▲ +0.4 percentage points vs 03-2025
05-2025: 2.7%▲ +0.3 percentage points vs 04-2025highest value
06-2025: 2.7%● unchanged vs 05-2025highest value
07-2025: 2.0%▼ -0.7 percentage points vs 06-2025
08-2025: 2.0%● unchanged vs 07-2025
09-2025: 2.0%● unchanged vs 08-2025
10-2025: 2.0%● unchanged vs 09-2025
11-2025: 2.1%▲ +0.1 percentage points vs 10-2025
12-2025: 2.1%● unchanged vs 11-2025
01-2026: 2.1%● unchanged vs 12-2025
02-2026: 2.0%▼ -0.1 percentage points vs 01-2026
03-2026: 2.1%▲ +0.1 percentage points vs 02-2026
04-2026: 2.2%▲ +0.1 percentage points vs 03-2026
05-2026: 2.3%▲ +0.1 percentage points vs 04-2026
06-2026: 2.3%● unchanged vs 05-2026
07-2026: 1.2%▼ -1.1 percentage points vs 06-2026
08-2026: 1.2%● unchanged vs 07-2026
09-2026: 1.2%● unchanged vs 08-2026lowest value
10-2026: 1.2%● unchanged vs 09-2026lowest value
11-2026: 1.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
Size: total assets €56,339
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 0.95, cash €14,122
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 43, micro). It does better than 38% of them on solvency, 64% on liquidity, 59% on profitability and 77% on growth.
The bankruptcy probability was computed on 04-11-2026 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, 39,278 companies had the same profile as Schilderwerken Stef Van Daele has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Schilderwerken Stef Van Daele itself: 1.2% within 12 months.
Test of the method
The method was tested on the 497,446 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 39,278 companies, not a prediction for Schilderwerken Stef Van Daele. 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 €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.95 (0.85 in 2024), below 1. Short-term debt is 35.9% and cash 25.1% of total assets. 64% of the assets are financed with debt and provisions.
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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 10-06-2026, 51 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
51 days early
2024
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 50 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 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.
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1003015632
Incorporation
Founding capital of €1,000, 100 shares · Founder: VAN DAELE Stef · Appointment: VAN DAELE Stef (director) · published on 07-12-2023 · Gazette deed
First establishment
Grote Heidestraat 29, Heist-op-den-Berg
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| Schilderwerken Stef Van Daele Heist-op-den-Berg | €56,339 | €24,190 | 36.0% | - |
| H&M Schilderwerken Herentals | €55,471 | €22,806 | 81.7% | - |
| Alpaerts Karwei Edegem | €61,208 | €20,081 | 71.4% | - |
| ENTREPRISE DE PEINTURE HD Liège | €64,177 | €23,445 | 83.7% | - |
| TRANS-DECO JE Waremme | €64,142 | €21,779 | 16.0% | - |
| DEBELS BRUNO Kortrijk | €59,336 | €23,465 | 79.9% | - |
| Gees Tom Erpe-Mere | €46,117 | €24,423 | 43.5% | - |
These companies have the same main activity as Schilderwerken Stef Van Daele: painting of buildings (NACE 43341). They are comparable in size and age: total assets between €46,100 and €64,200, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 05-12-2023Normal situation
- Activity
- Painting of buildingsNACE 43341and 5 others
- Establishment unit
- 2.352.776.7682221 Heist-op-den-Berg, since 05-12-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 12-12-2023
Annual accounts 2025
- Total assets
- €56,339▲ 121%
- Filing
- Filed on 10-06-2026, 51 days before the end of the filing period
Insights on Schilderwerken Stef Van Daele
Schilderwerken Stef Van Daele has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,297 and a net result of €5,112.
Its solvency ranks better than 38% of 35,008 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
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 Schilderwerken Stef Van Daele
- What is the company number of Schilderwerken Stef Van Daele?
- The company number of Schilderwerken Stef Van Daele is 1003.015.632. The VAT number is the same number with BE in front: BE 1003.015.632.
- Where is Schilderwerken Stef Van Daele based?
- The registered office is at Grote Heidestraat 29, 2221 Heist-op-den-Berg.Company details
- What does Schilderwerken Stef Van Daele do?
- According to the KBO register, the main activity is painting of buildings (NACE 43341).
- What is the legal form of Schilderwerken Stef Van Daele?
- Schilderwerken Stef Van Daele is a private limited company (BV).
- When was Schilderwerken Stef Van Daele founded?
- Schilderwerken Stef Van Daele was founded on 05-12-2023.
- Is Schilderwerken Stef Van Daele still active?
- Yes, Schilderwerken Stef Van Daele is an active enterprise in the KBO register.
- What is the turnover of Schilderwerken Stef Van Daele?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €24,190 and 162 comparable companies (NACE 433). It probably lies between €140,000 and €510,000. It is a rough estimate.Financials
- Is Schilderwerken Stef Van Daele profitable?
- In financial year 2025, Schilderwerken Stef Van Daele made a profit of €5,112.
- Where can I find the annual accounts of Schilderwerken Stef Van Daele?
- Schilderwerken Stef Van Daele filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Schilderwerken Stef Van Daele due?
- Schilderwerken Stef Van Daele must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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