Equity
€1.1m ▲ 6.0%
STEBACO has made a profit in every financial year since 2008.
STEBACO
Lifetime
18 annual accounts with figures on one time axis, 27 filings since 1999peak €276,779 (2024)
€105,107▼ 62.0%
peak €128,769 (2024)
€64,693▼ 49.8%
peak €1.1m (2025)
€1.1m▲ 6.0%
€347,364▼ 9.6%
peak 0.3 FTE (2020)
-not published
Board5 names since 2021
3 directorsNancy Bultereys and 2 others
Documentsfilings and deeds
31-07-2026on the last day
2025abbreviated format
Gross margin from €276,779 to €105,107Result from €128,769 to €64,693Cash from €12,936 to €7,143
Key points
from the 2025 annual accountsResult
€64,693 ▼ 49.8%
The result fell in 2025: the 2024 profit included a one-off income of €187,600.
Turnover
≈ €220,000 estimated
The accounts state no turnover.
Filings
27 annual accounts since 1999
Six of the last ten came late. The 2021 accounts came latest: 761 days after the end of the period.
At the same address
19 companies
Board
1 joined · 2 left
Board changed. Latest change 20-05-2026 · 1 in office.
Checked score
89
Excellent
Financially stronger than 58% of micro companies in real estate (NACE 68)
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: 0.2% across 26,626 companies (NACE 68, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.6%▲ +0.1 percentage points vs 04-2025
06-2025: 0.5%▼ -0.1 percentage points vs 05-2025
07-2025: 0.6%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.4%▼ -0.2 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.2%▼ -0.2 percentage points vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025lowest value
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.5%▲ +0.3 percentage points vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.2%▼ -0.3 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Liquidity: current ratio 2.39, cash €7,143
lowers risk
Size: total assets €1.5m
Figures for financial year 2025 (filed on 31-07-2026)
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 68, micro). It does better than 91% of them on solvency, 38% on liquidity, 44% on profitability and 60% 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, 14,766 companies had the same profile as STEBACO has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STEBACO 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 14,766 companies, not a prediction for STEBACO. 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 €100,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.39 (1.79 in 2024), above the usual 1.5. Short-term debt is 20.8% and cash 0.5% of total assets. 23.4% 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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
3 days early
2023
30 days late
2022
396 days late
2021
761 days late
2020
62 days late
2019
12 days late
← 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 180 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 31 August (4 of the last 5 accounts filed within 365 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
1 director appointed, 2 resignations
Resignations: Nancy Bultereys and Stefan Cops (managing director) · Appointment: DW PROPERTIES BV · Permanent representative: Daphné Wajsbrot · General meeting of 30-04-2026 · Gazette deed
Registered office moved within Sint-Pieters-Leeuw
New registered office: Hendrik Consciencestraat 35 bus 4, 1600 Sint-Pieters-Leeuw · Previous registered office: Brusselbaan 358, 1600 Sint-Pieters-Leeuw · Board meeting of 16-08-2023 · Gazette deed
2 directors appointed, 2 resignations
Resignations: Francine De Graeve (managing director) and Bart Anneessens · Appointments: Stefan Cops (day-to-day manager) and Nancy Bultereys · A shareholder holds all the shares · General meeting of 01-08-2023 · Gazette deed
First establishment
Schilderachtige dreef 43, Uccle
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEBACO Uccle | €1.5m | €105,107 | 76.6% | - |
| C.Y. Wingene | €1.6m | €113,854 | 50.4% | - |
| Cebri Riemst | €1.6m | €105,607 | 12.9% | - |
| VERAM Antwerp | €1.4m | €85,723 | 15.8% | - |
| BUILDING CONSTRUCTION MANAGEMENT Boechout | €1.4m | €147,131 | 69.7% | - |
| IMMO SOON Beauvechain | €1.6m | €88,308 | 5.7% | - |
| ARCC Houthalen-Helchteren | €1.7m | €146,922 | 9.4% | - |
These companies have the same main activity as STEBACO: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €1.4m and €1.7m, founded between 1997 and 2001.
Official details
Source: KBO- Status
- Active since 24-12-1998Normal situation
- Registered office
- 21 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- Development of residential building projectsNACE 68121
- Joint committee
- 323Building management, estate agents and domestic staff · annual accounts 2021
- Establishment unit
- 2.090.602.3961180 Uccle, since 01-04-1999
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €1.5m▲ 1.9%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on STEBACO
STEBACO files the abbreviated format. That format states no turnover. The gross margin rose from €88,248 in 2008 to €105,107 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 STEBACO
- What is the company number of STEBACO?
- The company number of STEBACO is 0464.981.673. The VAT number is the same number with BE in front: BE 0464.981.673.
- Where is STEBACO based?
- The registered office is at Schilderachtige dreef 43, 1180 Uccle.Company details
- What does STEBACO do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of STEBACO?
- STEBACO is a public limited company (NV).
- When was STEBACO founded?
- STEBACO was founded on 24-12-1998.
- Is STEBACO still active?
- Yes, STEBACO is an active enterprise in the KBO register.
- How many employees does STEBACO have?
- STEBACO had an average of 0.4 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
- Which joint committee does STEBACO fall under?
- In its 2021 annual accounts, STEBACO states joint committee 323 (Building management, estate agents and domestic staff).
- What is the turnover of STEBACO?
- The turnover in financial year 2025 is ≈ €220,000. This figure is estimated from the gross margin of €105,107 and 33 comparable companies (NACE 681). It probably lies between €140,000 and €510,000.
- Is STEBACO profitable?
- In financial year 2025, STEBACO made a profit of €64,693.
- Where can I find the annual accounts of STEBACO?
- STEBACO filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEBACO due?
- STEBACO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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