Investments
€35,551 8.4 × depreciation
Green is investment, beige is depreciation.
STAB CONSTRUCT
Lifetime
16 annual accounts with figures on one time axispeak €49,893 (2016)
€22,587▲ 122%
lowest -€14,244 (2019)
€12,450▲ 162%
peak €75,113 (2016)
€66,194▲ 23.2%
€31,887▲ 628%
Board2 names since 2009
2 directorsSTATE Eusebio and 1 other
Documentsfilings and deeds
03-07-202628 days before the deadline
2025micro format
Gross margin from €10,165 to €22,587Result from €4,758 to €12,450Equity from €53,744 to €66,194Debts from €4,382 to €31,887
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 76% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025highest value
08-2025: < 0.1%▼ -0.2 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: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 4.34, cash €54,493
Equity €66,194 (67.5% of total assets)
Founded in 2009
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 73% of them on solvency, 93% on liquidity, 68% on profitability and 70% on growth.
The bankruptcy probability was computed on 10-11-2026 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, 34,693 companies had the same profile as STAB CONSTRUCT has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of STAB CONSTRUCT itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 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 34,693 companies, not a prediction for STAB CONSTRUCT. 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 €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.34 (13.26 in 2024), above the usual 1.5. Short-term debt is 15.7% and cash 55.6% of total assets. 32.5% 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
Six signals.
lowers riskraises riskneutral
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 €66,194
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 days early
2024
29 days early
2023
13 days early
2022
27 days early
2021
37 days early
2020
26 days early
2019
9 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 24 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. The company usually files around 3 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
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Resignation: STATE Eusebio (manager)
Reappointment: STATE Eusebio (statutory director) · Director discharge: STATE Eusebio · General meeting of 02-10-2023 · Gazette deed
Registered office moved to Heverlee
New registered office: Leeuwerikenstraat 25 Bus 0002 te 3001 Heverlee · General meeting of 01-07-2023 · Gazette deed
First establishment
Leeuwerikenstraat 25, Leuven
Incorporation
published on 19-11-2009 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STAB CONSTRUCT Leuven | €98,080 | €22,587 | 67.5% | - |
| F-Design Koekelberg | €91,334 | €20,136 | 89.2% | - |
| TRIFASE Roeselare | €103,431 | €21,187 | 63.8% | - |
| RTWR Braine-le-Château | €117,733 | €23,537 | 54.7% | - |
| C. CONSTRUX Hasselt | €110,528 | €26,830 | 86.9% | 0.9 |
| Perfekt Home Uccle | €117,160 | €21,132 | 45.2% | - |
| RENOCOR Berchem-Sainte-Agathe | €82,137 | €25,122 | 77.2% | - |
These companies have the same main activity as STAB CONSTRUCT: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €82,100 and €118,000, founded between 2008 and 2011.
Official details
Source: KBO- Status
- Active since 17-11-2009Normal situation
- Activity
- Other building finishing workNACE 43350and 3 others
- Establishment unit
- 2.182.763.1853001 Leuven, since 19-11-2009
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- ≈ €230,000estimated
- €98,080▲ 68.7%
- Filing
- Filed on 03-07-2026, 28 days before the end of the filing period
Insights on STAB CONSTRUCT
STAB CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €1,172 in 2010 to €22,587 in 2025.
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 STAB CONSTRUCT
- What is the company number of STAB CONSTRUCT?
- The company number of STAB CONSTRUCT is 0820.611.585. The VAT number is the same number with BE in front: BE 0820.611.585.
- Where is STAB CONSTRUCT based?
- The registered office is at Leeuwerikenstraat 25, 3001 Leuven.Company details
- What does STAB CONSTRUCT do?
- According to the KBO register, the main activity is other building finishing work (NACE 43350).
- What is the legal form of STAB CONSTRUCT?
- STAB CONSTRUCT is a private limited company (BV).
- When was STAB CONSTRUCT founded?
- STAB CONSTRUCT was founded on 17-11-2009.
- Is STAB CONSTRUCT still active?
- Yes, STAB CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of STAB CONSTRUCT?
- The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €22,587 and 37 comparable companies (NACE 43350). It probably lies between €130,000 and €480,000. It is a rough estimate.Financials
- Is STAB CONSTRUCT profitable?
- In financial year 2025, STAB CONSTRUCT made a profit of €12,450.
- Where can I find the annual accounts of STAB CONSTRUCT?
- STAB CONSTRUCT filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STAB CONSTRUCT due?
- STAB CONSTRUCT 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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