STAB CONSTRUCT
ActiveSummary
STAB CONSTRUCT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €12k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 72% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+6
Solvency92▼-8
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.34 against 13.26 in 2024; short-term debt: 15.7% and cash: 55.6% of total assets), and 32.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67.5%
Return on assets
12.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €66k
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
29 d early
2023
13 d early
2022
27 d early
2021
37 d early
2020
26 d early
2019
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 23.2%
2024 · €54k
Total assets
€98k▲ 68.7%
2024 · €58k
Net result
€12k▲ 162%
2024 · €5k
Working capital
€51k▼ 4.4%
2024 · €54k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-464€14k€10k▼ 28.3%€7k▼ 28.5%€18k▲ 161%
Net result€-688€12k€8k▼ 30.9%€5k▼ 43.2%€12k▲ 162%
Equity€54k▼ 1.3%€41k▼ 24.9%€49k▲ 20.6%€54k▲ 9.7%€66k▲ 23.2%
Total assets€70k▼ 6.5%€54k▼ 23.0%€58k▲ 9.2%€58k▼ 0.6%€98k▲ 68.7%
Debt€15k▼ 21.1%€13k▼ 16.6%€9k▼ 26.7%€4k▼ 53.7%€32k▲ 628%
Working capital€46k▲ 5.7%€36k▼ 22.3%€47k▲ 31.9%€54k▲ 13.2%€51k▼ 4.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 161% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€31k
Current assets
€67k
Equity and liabilities €98k
Equity
€66k ▲ 23.2%
Debt
€32k ▲ 628%
Debt's share of the balance-sheet total rises from 7.5% to 32.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €10k
Cash flow
€17k▲
2024 · €8k
Current ratio
4.34▼
2024 · 13.26
Quick ratio
4.33▼
2024 · 13.23
Debt to equity
0.48▲
2024 · 0.08
ROE
18.8%▲
2024 · 8.9%
ROA
12.7%▲
2024 · 8.2%
Interest coverage
27.89▼
2024 · 60.36
Debt ≤ 1 year
€15k▲
2024 · €4k
Debt > 1 year
€16k
Income taxes
€5k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €98 | - | - | - | €12k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €6k | €6k | €3k | €4k | ▲ 36.2% |
| Other operating charges640/8 | €329 | €107 | €230 | €119 | €257 | ▲ 116% |
| Gross operating margin9900 | €6k | €19k | €16k | €10k | €23k | ▲ 122% |
| Operating profit (loss)9901 | €-464 | €14k | €10k | €7k | €18k | ▲ 161% |
| Financial income75/76B | €0 | €14 | €1 | - | €255 | - |
| Recurring financial income75 | €0 | €14 | €1 | - | €255 | - |
| Financial charges65/66B | €224 | €202 | €179 | €166 | €801 | ▲ 381% |
| Recurring financial charges65 | €224 | €202 | €179 | €166 | €801 | ▲ 381% |
| Profit (loss) for the period before taxes9903 | €-688 | €13k | €10k | €7k | €18k | ▲ 159% |
| Income taxes67/77 | - | €1k | €1k | €2k | €5k | ▲ 154% |
| Profit (loss) for the period9904 | €-688 | €12k | €8k | €5k | €12k | ▲ 162% |
| Profit (loss) for the period to be appropriated9905 | €-688 | €12k | €8k | €5k | €12k | ▲ 162% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €70k | €54k | €58k | €58k | €98k | ▲ 68.7% |
| Fixed assets21/28 | €15k | €9k | €3k | - | €31k | - |
| Tangible fixed assets22/27 | €15k | €9k | €3k | - | €31k | - |
| Furniture and vehicles24 | €15k | €9k | €3k | - | €31k | - |
| Current assets29/58 | €55k | €45k | €55k | €58k | €67k | ▲ 14.9% |
| Stocks and contracts in progress3 | €150 | €150 | €150 | €150 | €150 | = |
| Stocks30/36 | €150 | €150 | €150 | €150 | €150 | = |
| Amounts receivable within one year40/41 | €4k | €6k | €11k | €12k | €12k | ▼ 6.3% |
| Trade receivables40 | €1k | €2k | €8k | €8k | €2k | ▼ 77.3% |
| Other amounts receivable41 | €2k | €3k | €3k | €4k | €10k | ▲ 132% |
| Cash at bank and in hand54/58 | €50k | €36k | €43k | €45k | €54k | ▲ 20.8% |
| Deferred charges and accrued income490/1 | €548 | €3k | €584 | €576 | €626 | ▲ 8.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €70k | €54k | €58k | €58k | €98k | ▲ 68.7% |
| Equity10/15 | €54k | €41k | €49k | €54k | €66k | ▲ 23.2% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €41k | €28k | €36k | €41k | €53k | ▲ 30.3% |
| Distributable reserves133 | €41k | €28k | €36k | €41k | €53k | ▲ 30.3% |
| Profit (loss) carried forward14 | €7k | €7k | €7k | €7k | €7k | = |
| Amounts payable17/49 | €15k | €13k | €9k | €4k | €32k | ▲ 628% |
| Amounts payable after more than one year17 | €7k | €4k | €2k | - | €16k | - |
| Financial debts170/4 | €7k | €4k | €2k | - | €16k | - |
| Amounts payable within one year42/48 | €8k | €9k | €8k | €4k | €15k | ▲ 251% |
| Current portion of amounts payable after more than one year42 | €3k | €3k | €3k | €2k | €5k | ▲ 184% |
| Trade debts44 | €3k | €3k | €4k | €781 | €6k | ▲ 638% |
| Suppliers440/4 | €3k | €3k | €4k | €781 | €6k | ▲ 638% |
| Advances received on contracts in progress46 | €1k | €1k | - | - | - | - |
| Taxes, remuneration and social security45 | €1k | €1k | €1k | €2k | €5k | ▲ 154% |
| Taxes450/3 | €1k | €1k | €1k | €2k | €5k | ▲ 154% |
| Accrued charges and deferred income492/3 | €6 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-688 | €12k | €8k | €5k | €12k | ▲ 162% |
| + Depreciation and write-downs630 | €6k | €6k | €6k | €3k | €4k | ▲ 36.2% |
| Operating cash flow (approximation) | €5k | €18k | €14k | €8k | €17k | ▲ 112% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €-15k | €8k | €2k | €9k | ▲ 460% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Leuven · 1 establishment unit since 2009
Ground area
463 m²
Building footprint
248 m²
Volume, LiDAR
1,591 m³
Parcel 24433E0370/00C000, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
STAB CONSTRUCT
since 20092.182.763.185
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24433E0370/00C000 | Flanders | 463 m² | 1 · 248 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 7,299 companies in sector 43350 we hold annual accounts for 2,360. 2,008 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-11-2009
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
95240Repair and maintenance of furniture and upholstery
95290Repair and maintenance of other personal and household goods
96102Launderettes and laundries for private customers
Scores and ratios are computed by Checked and are not a credit decision.