Equity
€688,763 ▲ 10.0%
STEBA has made a profit without a break since 2007.
STEBA
Lifetime
20 annual accounts with figures on one time axis, 37 filings since 1989peak €242,193 (2021)
€125,638▲ 6.5%
lowest -€29,099 (2006)
€62,664▲ 21.9%
peak €688,763 (2025)
€688,763▲ 10.0%
€31,317▼ 71.3%
Board5 names since 2014
4 directors and 3 others
Documentsfilings and deeds
11-08-202611 days late
2025micro format
Debts from €109,189 to €31,317Investments €50,939Cash from €55,768 to €113,790
Key points
from the 2025 annual accountsInvestments
€50,939 2.1 × depreciation
Green is investment, beige is depreciation.
Liquidity
3.90 was 1.49 in 2024
Short-term debts fell from €108,205 to €30,478.
2025 accounts filed 11 days after the deadline
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 20,124 companies had the same profile as STEBA has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
Test of the method
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 20,124 companies, not a prediction for STEBA. 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
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Signals
Board and ownership
Director, since 19-03-2014
Director, since 19-03-2014
Director
Director, since 10-03-2023
Recent changes
Appointment: (director)
General meeting of 10-03-2023 · Gazette deed
1 director appointed
Changes of role: (director) and (director) · Appointment: (successor director) · General meeting of 08-12-2021 · Gazette deed
First establishment
STEBA NV, Tichelrijlaan 7, Sint-Truiden
Incorporation
published on 02-04-1988 · Gazette deed
Official details
Source: KBO- Status
- Active since 07-03-1988Normal situation
- Activity
- “Het afsluiten en beheren van verzekeringen van alle aard in hoedanigheid van makelaar,vertegenwoordiger van…” (deed in Dutch)From the articles, 11 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.037.774.8123800 Sint-Truiden, since 05-05-1988
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on STEBA
STEBA files the micro format. That format states no turnover. The gross margin rose from €79,018 in 2006 to €125,638 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 STEBA
- What is the company number of STEBA?
- The company number of STEBA is 0433.657.405. The VAT number is the same number with BE in front: BE 0433.657.405.
- Where is STEBA based?
- The registered office is at Tichelrijlaan 7, 3800 Sint-Truiden.Company details
- What is the legal form of STEBA?
- STEBA is a private limited company (BV).
- When was STEBA founded?
- STEBA was founded on 07-03-1988.
- Is STEBA still active?
- Yes, STEBA is an active enterprise in the KBO register.
- What is the turnover of STEBA?
- The turnover in financial year 2025 is ≈ €310,000. This figure is estimated from the gross margin of €125,638 and 2,204 comparable companies of the same size. It probably lies between €210,000 and €490,000. It is a rough estimate.Financials
- Is STEBA profitable?
- In financial year 2025, STEBA made a profit of €62,664.
- Where can I find the annual accounts of STEBA?
- STEBA filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEBA due?
- STEBA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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