STE-LO Holding

Active

Private limited companyfounded 20242 years activeCatharinadreef 2B, 2970 Schilde, BelgiumKBO/BCE: BE 1011.863.121

Summary

STE-LO Holding has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €420,643 and a net result of €405,167. Its solvency ranks better than 16% of 10,567 sector peers (NACE 70, fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

STE-LO HoldingActiveChecked score 93/100

Risk analysis Report Compare

Activity

Activities of head offices

NACE 70100

1 site

Size

€3.6mtotal assets 2025

Equity: €420,643
Profit: €405,167

Turnover not published (abridged schema)

Financial health

93 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.1%

Structure

Holdings: 1

Accounts filed 10 days late0 of 2 deeds read

Why 93- Liquidity: current ratio 0.14, cash €42,187+ Size: total assets €3.6m+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Figures for FY 2025 (filed 10-08-2026)Show the evidence

Checked score

Score 2025

93 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 51% of its sector peers (NACE 70, small)

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 37+11

equity 11.8% of total assets

Liquidity 51+6

short-term debt 9.0% · cash 1.2%

Profitability 44+7

return on assets 11.3%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (4,512 companies)

Last 24 months 08-2025: 0.4% 09-2025: 0.1%▼ -0.3 percentage points vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.2%▲ +0.1 percentage points vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.1%▼ -0.3 percentage points vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026

Credit up to €35,000 at 30 days only on tighter terms

Liquidity short (current ratio 0.14 against 0.12 in 2024; short-term debt: 9% and cash: 1.2% of total assets), and 88.2% of the assets are financed with debt.

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 70, small): better than 15% on solvency, 57% on liquidity, 32% on profitability and 99% on growth.

The bankruptcy probability was computed on 07-10-2026 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

Seven signals.

−lowers risk+raises risk○neutral

Size: total assets €3.6m

The company's size counts in the probability; how much depends on the rest of its profile.

NBB · annual accounts

Sector Activities of head offices; management consultancy activities (NACE 70)

KBO

Figures for FY 2025 (filed 10-08-2026)

NBB · annual accounts

Liquidity: current ratio 0.14, cash €42,187

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 10567 sector peers (2025).

NBB · sector comparison

Position among 10567 sector peers

Solvency

better than 16%

← weakest strongest →

Young company

Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

10 days late

2024

26 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

08-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

Checked from 2021 on.

KBO publications · our coverage

10-08-2026 Annual accounts filedfiscal year 2025 · abbreviated…
31-12-2025 Back to profitnet €405,167
31-12-2025 Equity above €200,000Eq €420,643 ▲2,618%

Key points

Positive: Equity rose in 2025from €15,475 to €420,643 ▲ 2,618% View
Caution: Among the weakest 17% on solvencysector median 52.7% · 10,567 companies 11.8% View
Total assets 20252 fiscal years filed €3.6m View