STEBERT
ActiveSummary
STEBERT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €56k. Equity is shrinking by ~12% per year across the filed fiscal years. Its solvency ranks better than 17% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+15
Solvency39▲+1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.06 in 2024; short-term debt: 86.2% and cash: 6.3% of total assets), and 86.2% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
13.8%
Return on assets
41.2%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-02-2026, 76 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
76 d early
2024
71 d early
2023
82 d early
2022
87 d early
2021
67 d early
2020
59 d early
2019
71 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k=
2024 · €19k
2018: €39k
2019: €150k
2020: €226k
2021: €226k
2022: €20k
2023: €20k
2024: €19k
2018 → 2025
Total assets
€135k▼ 4.6%
2024 · €141k
2018: €84k
2019: €284k
2020: €327k
2021: €340k
2022: €193k
2023: €93k
2024: €141k
2018 → 2025
Net result
€56k▲ 195%
2024 · €19k
2018: €27k
2019: €112k
2020: €76k
2021: €87k
2022: €36k
2023: €52k
2024: €19k
2018 → 2025
Working capital
€10k▲ 35.8%
2024 · €7k
2018: €28k
2019: €146k
2020: €220k
2021: €219k
2022: €5k
2023: €10k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€226k-€20k▼ 91.0%€20k=€19k▼ 9.1%€19k=
Operating result€108k-€47k▼ 56.4%€69k▲ 47.2%€24k▼ 66.0%€75k▲ 218%
Net result€87k-€36k▼ 59.0%€52k▲ 45.1%€19k▼ 63.5%€56k▲ 195%
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 218% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€9k ▼ 23.4%
Current assets
€126k ▼ 2.9%
Equity and liabilities €135k
Equity
€19k =
Debt
€116k ▼ 5.3%
Debt's share of the balance-sheet total falls from 86.8% to 86.2%. Debt is lower.
Key figures and ratios
EBITDA
€77k▲
2024 · €26k
Cash flow
€58k▲
2024 · €21k
Current ratio
1.09▲
2024 · 1.06
Debt to equity
6.26▼
2024 · 6.60
ROE
298.6%▲
2024 · 101.2%
ROA
41.2%▲
2024 · 13.3%
Interest coverage
859.65▲
2024 · 286.17
Debt ≤ 1 year
€116k▼
2024 · €123k
Income taxes
€19k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€141k€135k▼
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€0-
Financial fixed assets28€6k€6k=
Current assets29/58€130k€126k▼
Amounts receivable within one year40/41€93k€109k▲
Trade receivables40€77k€103k▲
Other amounts receivable41€16k€6k▼
Cash at bank and in hand54/58€23k€9k▼
Deferred charges and accrued income490/1€14k€9k▼
Equity and liabilities
Total equity and liabilities10/49€141k€135k▼
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€0€0=
Amounts payable17/49€123k€116k▼
Amounts payable within one year42/48€123k€116k▼
Trade debts44€57k€40k▼
Suppliers440/4€57k€40k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€0€850▲
Other amounts payable47/48€65k€72k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€558€1k▲
Gross operating margin9900€26k€79k▲
Operating profit (loss)9901€24k€75k▲
Financial charges65/66B€90€90=
Recurring financial charges65€90€90=
Profit (loss) for the period before taxes9903€23k€75k▲
Income taxes67/77€5k€19k▲
Profit (loss) for the period9904€19k€56k▲
Profit (loss) for the period to be appropriated9905€19k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€56k▲
Transfer from equity791/2€2k€0▼
Profit to be distributed694/7€21k€56k▲
Return on contributions (dividend)694€20k€56k▲
Directors or managers695€800€0▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €19k ▼63.5%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
08-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €200kEq €226k ▲51.1%
3 profitable years in a row build equity to €226k.
19-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €112k ▲314%
Operating result €147k, net result €112k, both a record.
30-09
Financial
Equity above €100kEq €150k ▲280%
2 profitable years in a row build equity to €150k.
18-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ans · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Florent Pirotte 394430 AnsGround area
183 m²
Building footprint
55 m²
Parcel 62332B0013/00Z003, Wallonia. Linked by address, not a title deed.
1 establishment unit
STEBERT
since 20172.263.595.760
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62332B0013/00Z003 | Wallonia | 183 m² | 1 · 55 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
4 categoriesSTEBERT SRL37880
Similar companies · same sector, comparable size
Koninckx Schilderwerken
BE 0700.431.852
Kapellen · Eq €18,600
RW SCHILDER-& DECORATIEWERKEN
BE 0884.579.523
Beerse · Eq €18,601
MZ CONSTRUCT & FINITIONS
BE 0785.991.394
La Louvière · Eq €18,609
SCHILDERWERKEN EDDY BEKAERT
BE 0553.812.392
Maldegem · Eq €18,616
Decorueta ID
BE 0674.405.564
Boechout · Eq €18,576
Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 2,019 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2017
Fiscal year end30-09
Activities, NACEBEL 2025
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
43342Specialised construction activities
43350Other building finishing work
74130Interior design
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.