Equity
€1.3m ▲ 36.5%
STEVABEL paid out €165,673 in dividends. That is 33% of the 2025 profit.
STEVABEL
Lifetime
18 annual accounts with figures on one time axispeak €1.7m (2022)
€983,540▲ 143%
lowest -€83,935 (2023)
€504,052▲ 430%
peak €1.7m (2022)
€1.3m▲ 36.5%
€3.2m▲ 3.7%
peak 12.2 FTE (2021)
0 FTE
Board2 names since 2007
1 directorVANDENBROUCKE Steven
Owners2 names in the annual accounts
50%Isabel Dumortier Steven Vandenbroucke / and 1 other
Documentsfilings and deeds
12-06-202649 days before the deadline
2025abbreviated format
Gross margin from €405,033 to €983,540Result from €95,167 to €504,052Registered office moved from Houthulst to Roeselare 18-06Dividend €165,673Equity from €927,257 to €1.3mInvestments €493,083
Key points
from the 2025 annual accountsResult
€504,052 ▲ 430%
The result rose in 2025: mostly from a one-off income of €414,209.
Debts
€3.2m 70% of the balance sheet
Financial debts 76%Suppliers 4%Taxes and wages 1%Other 19%
Of this, €764,747 falls due within a year.
Investments
€609,121 2.6 × depreciation
Green is investment, beige is depreciation. Machinery stands 43.5% higher than in 2024.
Filings
18 annual accounts since 2008
Three of the last ten came late. The 2023 accounts came latest: 31 days after the end of the period.
Position in the sector
€504,052
Higher net result than 95% of companies in retail trade. Sector median €27,442 · 12,842 companies.
Checked score
91
Excellent
Financially stronger than 75% of small companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,697 companies (NACE 47, small).
About 2 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: 0.3%▲ +0.1 percentage points vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.4%▲ +0.1 percentage points vs 05-2025
07-2025: 1.1%▲ +0.7 percentage points vs 06-2025
08-2025: 1.5%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 0.6%▼ -0.9 percentage points vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.7%▲ +0.1 percentage points vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 1.0%▲ +0.3 percentage points vs 04-2026
06-2026: 1.1%▲ +0.1 percentage points vs 05-2026
07-2026: 0.2%▼ -0.9 percentage points vs 06-2026lowest value
08-2026: 0.2%● unchanged vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
1 of the last 3 accounts late
lowers risk
Size: turnover €430,000, total assets €4.6m
Figures for financial year 2025 (filed on 12-06-2026)
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 47, small). It does better than 47% of them on solvency, 74% on liquidity, 90% on profitability and 88% on growth.
The bankruptcy probability was computed on 09-11-2026 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 very low class on 30-06-2025, 0.1% 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, 2,609 companies had the same profile as STEVABEL has now. Each dot stands for 7 companies, two years later.
96.8%
were still trading
2.1%
stopped another way
1.0%
went bankrupt
That fits the bankruptcy probability of STEVABEL itself: 0.2% 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 2,609 companies, not a prediction for STEVABEL. 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 €40,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.49 (0.21 in 2024), below 1. Short-term debt is 16.7% and cash 7.9% of total assets. 72.3% 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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 days early
2024
28 days late
2023
31 days late
2022
2 days late
2021
1 day early
2020
on the day
2019
1 day 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 1 day after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 28 August (3 of the last 3 accounts filed within 77 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Isabel Dumortier Steven Vandenbroucke / 50%annual accounts 2025
- Steven Vandenbroucke 50%annual accounts 2025
Recent changes
Registered office moved from Houthulst to Roeselare
New registered office: Houtskoolstraat 14, 8800 Roeselare, België · Previous registered office: Vrijbosstraat 19 bus A, 8650 Houthulst, België · Gazette deed
Environmental permit granted
Gevel-, dak-, instandhoudings- en renovatiewerken binnen een gebouw, zonder volume- of oppervlaktewijziging, Nieuwe publiciteitsinrichting (met inbegrip van vernieuwen van een bestaande vergunning), Verbouwen en/of uitbreiden van bijgebouwen, niet-overdekte lage constructies of wijzigen van andere beperkte handelingen and 2 more · Roeselare
Demerger: Sof@tech splits off to Sof@tech
Company renamed from SOF@TECH to STEVABEL · Appointments: VANDENBROUCKE Steven (director) and DUMORTIER Isabel Martha (director) · 200 shares · General meeting of 01-03-2023 · Gazette deed
Demerger proposal: Sof@tech splits off to Sof@tech
Name change: Stevabel · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEVABEL Roeselare | €430,000 | - | 27.7% | 0 |
| C.B.M Philippeville | - | - | 22.9% | 0.4 |
| BARNEYS Lasne | - | - | 97.4% | 0 |
| AVT EMEA Aalst | €270,376 | 2.7% | 88.9% | - |
| AUDIO VISUAL PROJECTS Brecht | - | - | 72.0% | 0.1 |
| COMPUTERSMSA Ramillies | - | - | 64.9% | 1 |
| FLASH SERVICES BELGIUM Aartselaar | - | - | 38.5% | - |
These companies have the same main activity as STEVABEL: retail sale of information and communication equipment (NACE 47400). They are comparable in size and age: total assets between €1.4m and €4.7m, founded between 1996 and 2010.
Official details
Source: KBO- Status
- Active since 20-12-2007Normal situation
- Activity
- Retail sale of information and communication equipmentNACE 47400and 1 other
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 30-09-2022
- Establishment unit
- 2.217.102.2748800 Roeselare, since 01-02-2013
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2020
Annual accounts 2025
- €4.6m▲ 13.7%
- Filing
- Filed on 12-06-2026, 49 days before the end of the filing period
Insights on STEVABEL
STEVABEL files the abbreviated format. That format states no turnover. The gross margin rose from €37,553 in 2008 to €983,540 in 2025.
The balance sheet grew most from 2022 to 2024 through fixed assets, financed with long-term debt.
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 STEVABEL
- What is the company number of STEVABEL?
- The company number of STEVABEL is 0894.348.512. The VAT number is the same number with BE in front: BE 0894.348.512.
- Where is STEVABEL based?
- The registered office is at Houtskoolstraat 14, 8800 Roeselare.Company details
- What does STEVABEL do?
- According to the KBO register, the main activity is retail sale of information and communication equipment (NACE 47400).
- What is the legal form of STEVABEL?
- STEVABEL is a private limited company (BV).
- When was STEVABEL founded?
- STEVABEL was founded on 20-12-2007.
- Is STEVABEL still active?
- Yes, STEVABEL is an active enterprise in the KBO register.
- How many employees does STEVABEL have?
- STEVABEL had an average of 4.2 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- Which joint committee does STEVABEL fall under?
- In its 30-09-2022 annual accounts, STEVABEL states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of STEVABEL?
- The turnover of STEVABEL was €430,000 in financial year 2025, according to the filed annual accounts.
- Is STEVABEL profitable?
- In financial year 2025, STEVABEL made a profit of €504,052.
- Where can I find the annual accounts of STEVABEL?
- STEVABEL filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEVABEL due?
- STEVABEL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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