Skip to content

STEBERT

Active Private limited companyfounded 2017active for 9 yearsRue Florent Pirotte 39, 4430 AnsKBO/BCE: BE 0674.624.211
STEBERT
Follow ReportCompare

Overview

Lifetime

8 annual accounts with figures on one time axis
peak €147,154 (2019)
€78,577▲ 199%
peak €111,864 (2019)
€55,545▲ 195%
peak €226,102 (2020)
€18,600unchanged
€116,366▼ 5.3%
Board1 name since 2017
1 directorBERTRAND Stéphane
Documentsfilings and deeds
13-02-202676 days before the deadline
2025micro format
Gross margin from €26,313 to €78,577Result from €18,829 to €55,545Dividend €55,545Cash from €23,066 to €8,532

Key points

from the 2025 annual accounts

Equity

€18,600 from €226,102 in 2020

Equity fell by 92% in 5 years.

Debts

€116,366 86% of the balance sheet
Suppliers 34%Taxes and wages 3%Other 62%

Filings

8 annual accounts since 2018
deadline20202025

The last five annual accounts were filed 67 to 87 days before the end of the period.

Checked score

67
Healthy
Financially stronger than 37% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.4%lowest value 01-2025: 0.5%▲ +0.1 percentage points vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.9%▲ +0.4 percentage points vs 02-2025 04-2025: 0.9%● unchanged vs 03-2025 05-2025: 0.9%● unchanged vs 04-2025 06-2025: 0.8%▼ -0.1 percentage points vs 05-2025 07-2025: 0.8%● unchanged vs 06-2025 08-2025: 0.8%● unchanged vs 07-2025 09-2025: 0.8%● unchanged vs 08-2025 10-2025: 0.7%▼ -0.1 percentage points vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.8%▲ +0.1 percentage points vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.9%▲ +0.1 percentage points vs 02-2026highest value 04-2026: 0.9%● unchanged vs 03-2026highest value 05-2026: 0.9%● unchanged vs 04-2026highest value 06-2026: 0.9%● unchanged vs 05-2026highest value 07-2026: 0.9%● unchanged vs 06-2026highest value 08-2026: 0.9%● unchanged vs 07-2026 09-2026: 0.9%● unchanged vs 08-2026 10-2026: 0.9%● unchanged vs 09-2026 11-2026: 0.9%● unchanged vs 10-2026

Financial strength
Average

39+1equity 13.8% of total assets
10-12short-term debt 86.2% · cash 6.3%
100+15return on assets 41.2%

Score breakdown

raises risk
Sector: Specialised construction activities (NACE 43)
Equity €18,600 (13.8% of total assets)
lowers risk
Size: total assets €134,966
Figures for financial year 2025 (filed on 23-02-2026)
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 43, micro). It does better than 17% of them on solvency, 6% on liquidity, 92% on profitability and 34% on growth.

The bankruptcy probability was computed on 08-11-2026 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 30-09-2025.

Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 6,713 companies had the same profile as STEBERT has now. Each dot stands for 17 companies, two years later.

95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more

Another 0.2% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of STEBERT itself: 0.9% 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 6,713 companies, not a prediction for STEBERT. 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 €1,000 on 30-day terms is acceptable

Liquidity is tight, with a current ratio of 1.09 (1.06 in 2024), below the usual 1.5. Short-term debt is 86.2% and cash 6.3% of total assets. 86.2% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Size: total assets €134,966
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €18,600 (13.8% of total assets)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 23-02-2026)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 35125 sector peers (2025).
NBB · sector comparison
Position among 35125 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 filings
Deviation from the deadline
2025
76 days early
2024
71 days early
2023
82 days early
2022
87 days early
2021
67 days early
2020
59 days early
2019
71 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 73 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 financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 13 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

BS
BERTRAND Stéphane
Director, since 19-04-2017
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0674624211
Appointment: BERTRAND Stéphane (director) General meeting of 13-06-2023 · Gazette deed
First establishment Rue Florent Pirotte 39, Ans
Incorporation published on 21-04-2017 · Gazette deed
All 16 events

Comparable companies

same main activity, similar in size and age
Company
STEBERT Ans €134,966 €78,577 13.8% -
WALPRIME Liège €145,044 €85,382 74.1% -
PASCAL ORNELIS Roeselare €132,846 €68,173 73.0% -
CK DECOR Ghent €129,697 €67,027 61.6% -
Géoffrey DOUPAGNE Liège €125,403 €48,432 64.4% -
S.A.C. Schilderwerken Zedelgem €164,426 €85,724 22.4% 1.3
PCG Herentals €134,513 €79,326 16.8% -

These companies have the same main activity as STEBERT: painting of buildings (NACE 43341). They are comparable in size and age: total assets between €125,000 and €164,000, founded between 2016 and 2019.

Official details

Source: KBO
Status
Active since 19-04-2017Normal situation
Activity
Painting of buildingsNACE 43341and 5 others
Establishment unit
2.263.595.7604430 Ans, since 27-04-2017
Financial year end
30 September
Peppol
Reachable since 18-09-2025
Company details

Annual accounts to 30-09-2025

€78,577▲ 199%
≈ €290,000estimated
€55,545▲ 195%
€18,600=
€134,966▼ 4.6%
Filing
Filed on 13-02-2026, 76 days before the end of the filing period
Financials

Insights on STEBERT

STEBERT files the micro format. That format states no turnover. The gross margin rose from €48,534 in 2018 to €78,577 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 13-02-2026, 76 days before the deadline
€78,577
▲ 199%
€74,737
▲ 218%
€55,545
▲ 195%
€9,982
▲ 35.8%
13.8%
▲ 0.6 percentage points
1.09
▲ 0.03

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €290,000. Estimated: probably between €200,000 and €500,000.

Balance sheet

balance sheet total €134,966 on 30-09-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

13.8%

Higher than 17% of 35,125 companies in 2025.

1.09

Higher than 25% of 34,499 companies in 2025.

41.2%

Higher than 92% of 34,700 companies in 2025.

STEBERT Middle half of the sector 80% of the sector Micro accounts in specialised construction (NACE 43)

Net result: top quarter · Equity: bottom quarter · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018
Balance sheet: assets
20/58 134,966141,42292,679192,768340,443326,659284,43684,466
21/28 8,61811,25010,81115,1386,7936,2133,81911,085
22/27 2,4065,0374,5998,925581-2209,011
23 2,4065,0373,4465,003----
24 -01,1523,922581-2209,011
28 6,2136,2136,2136,2136,2136,2133,6002,074
29/58 126,348130,17281,868177,630333,649320,446280,61773,381
29 ---0101,51750,028--
291 ---0101,51750,028--
40/41 108,72093,00639,345126,35373,600111,408136,41156,278
40 102,94377,22232,842114,44670,943103,855121,95047,833
41 5,77715,7846,50311,9072,6567,55314,4608,445
54/58 8,53223,06642,07450,629157,900158,444143,67516,747
490/1 9,09614,099449648633566531356
Balance sheet: equity and liabilities
10/49 134,966141,42292,679192,768340,443326,659284,43684,466
10/15 18,60018,60020,46020,460226,102226,102149,66539,401
10/11 18,60018,60018,60018,60012,40012,40012,40012,400
100 ------18,60018,600
101 ------6,2006,200
13 -01,8601,8601,8601,8601,8601,860
130/1 --01,8601,8601,860--
130 ------1,8601,860
1311 --01,8601,8601,860--
133 -01,860-----
14 0000211,842211,842135,40525,141
17/49 116,366122,82272,219172,308114,341100,557134,77145,064
42/48 116,366122,82272,219172,308114,341100,557134,77145,064
44 39,96456,78918,28759,18823,50676,60093,38322,681
440/4 39,96456,78918,28759,18823,50676,60093,38322,681
45 3,9521,5002,3504,0884,19523,95739,78817,384
450/3 3,1021,5001,5003,2884,19521,95737,53314,673
454/9 8500850800-2,0002,2552,711
47/48 72,45164,53351,582109,03286,640-1,6005,000
Income statement
9900 78,57726,31374,21250,069108,69997,623147,15448,534
630 2,6312,2374,3262,0551592204398,130
631/4 ---0-1,2301,230--
640/8 1,2085586761,0052,0426261411,144
9901 74,73723,51869,20947,009107,72995,547146,57439,260
75/76B --03931,6394919111
75 --03931,6394919111
65/66B 9090907549201422
65 9090907549201422
9903 74,64723,42869,11947,327109,31995,576146,57939,349
67/77 19,1024,60017,53811,78822,67919,13934,71512,348
9904 55,54518,82951,58235,53986,64076,437111,86427,001
9905 55,54518,82951,58235,53986,64076,437111,86427,001
Appropriation of the result
9906 55,54518,82951,582247,381298,482211,842137,00527,001
14P --0211,842----
791/2 01,860------
691/2 -------1,860
6920 -------1,860
694/7 55,54520,68951,582247,38186,640-1,600-
694 55,54519,88951,582247,38186,640-1,600-
695 0800------
Document PDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 13-02-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
30-09-2025 micro format 13-02-2026 2026-00041817 PDF
30-09-2024 micro format 18-02-2025 2025-00035719 PDF
30-09-2023 micro format 08-02-2024 2024-00027820 PDF
30-09-2022 micro format 02-02-2023 2023-00019354 PDF
30-09-2021 micro format 22-02-2022 2022-06000291 PDF
30-09-2020 micro format 02-03-2021 2021-06500487 PDF
30-09-2019 micro format 19-02-2020 2020-05200238 PDF
30-09-2018 micro format 18-02-2019 2019-05100377 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018
77,36925,75573,53649,064107,88795,767147,01347,390
58,17721,06555,90837,59486,79976,657112,30335,131
03,740010,3997392,6131,52619,215
-14,534-19,008-8,555-107,271-54414,769126,928-
9,9827,3509,6495,322219,309219,889145,84528,316
13.8%13.2%22.1%10.6%66.4%69.2%52.6%46.6%
1.091.061.131.032.923.192.081.63
6.266.603.538.420.510.440.901.14
298.6%101.2%252.1%173.7%38.3%33.8%74.7%68.5%
41.2%13.3%55.7%18.4%25.4%23.4%39.3%32.0%
over 100over 100over 100over 100----

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item30-09-202530-09-202430-09-202330-09-2022
Tangible fixed assets-€3,740-€10,399
€2,631€2,237€4,326€2,055

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on STEBERT

The operating result for 2025 is nearly 3.2 times that of 2024 and the highest since 2021. It is a recovery after the fall in 2024.

Debt's share of the balance-sheet total falls from 86.8% to 86.2%. Debt is lower.

Board & ownership

Board

1 director, last change in 2023
BERTRAND Stéphane
Director (not named in the articles)
since 19-04-2017 term without a fixed end
listed in the 2025 annual accounts, filed on 13-02-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
BERTRAND Stéphane
Director (not named in the articles)
Board
Mandates as a list
  • BERTRAND Stéphane
    • Director (not named in the articles), from 19-04-2017 to date

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€18,600
Source
2025 annual accounts

Articles of association

deed of 20-07-2023 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
“Fixe ou proportionnelle, assemblée générale décide si mandat exercé gratuitement”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Thursday of February at 18:00

Network & group

No group

STEBERT has no parent and no holdings in its annual accounts. BERTRAND Stéphane is the only director. STEBERT shares no director with another company.

Timeline

Timeline

16 events since 2017

Deadline for the 2026 accounts: 30-04-2027

2026
Annual accounts 2025 filed PDFmicro format · 76 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0674624211
Annual accounts 2024 filed PDFmicro format · 71 days before the deadline
2024
Weakest financial year net €18,829 ▼63.5% The net result drops to €18,829, the lowest from 2018 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 82 days before the deadline
2023
Appointment: BERTRAND Stéphane (director)General meeting of 13-06-20233 points ▸
  • General meeting, 13-06-2023
  • Director appointment, BERTRAND Stéphane (director (not named in the articles))
  • Registered office clause, rue Florent Pirotte 39, 4430 Ans
  • The deed holds 7 more points.

Open the deed in the Belgian Official Gazette

Annual accounts 2022 filed PDFmicro format · 87 days before the deadline
2022
Annual accounts 2021 filed PDFmicro format · 67 days before the deadline
2021
Annual accounts 2020 filed PDFmicro format · 59 days before the deadline
2020
Equity above €200,000 equity €226,102 ▲51.1% With a profit in every financial year since 2018, equity grows to €226,102.
Annual accounts 2019 filed PDFmicro format · 71 days before the deadline
2019
Highest result from 2018 to 2025 net €111,864 ▲314% The operating result of €146,574 and the net result of €111,864 are both a record.
Equity above €100,000 equity €149,665 ▲280% With a profit in every financial year since 2018, equity grows to €149,665.
Annual accounts 2018 filed PDFmicro format · 71 days before the deadline
2017
First establishment Rue Florent Pirotte 39, Ans
Incorporation PDFpublished on 21-04-2017

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

STEBERT was incorporated on 19 April 2017.1 Total assets fell from €284,436 in 2019 to €134,966 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2019 and 2025

Company details

Identity

Enterprise number
0674.624.211
VAT number
BE 0674.624.211
Peppol ID
0208:0674624211
Other Peppol ID
9925:BE0674624211
Legal form
Private limited company
Status
Active, normal situation
Founded
19-04-2017
Financial year
ends on 30 September
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Thursday of February at 18:00
deed of 20-07-2023 (in French)
Peppol
Reachable since 18-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
STEBERT in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 20-07-2023 (in French)

Activities

NACEBEL 2025
43341 Painting of buildings main activity
43333 Wallpapering and laying of floor and wall coverings in other materials
43342 Specialised construction activities
43350 Other building finishing work
74130 Interior design
81220 Other building cleaning and industrial cleaning
Codes under NACEBEL 2008
43341 Painting of buildings main activity
43333 Wallpapering and laying of floor and wall coverings in other materials
43342 Specialised construction activities
43390 Specialised construction activities
43992 Specialised construction activities
74104 Other professional, scientific and technical activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“L’étude et la réalisation de tous travaux de construction, publics et privés, en qualité d’entrepreneur général ou en sous-traitance, la…”
10 activities
  1. L’étude et la réalisation de tous travaux de construction, publics et privés, en qualité d’entrepreneur général ou en sous-traitance, la conception et la construction de tous bâtiments et édifices, l’étude et la réalisation de décoration tant intérieures qu’extérieures
  2. Toutes opérations se rapportant directement ou indirectement à l’entretien, la rénovation, les travaux de réparations, d’embellissements, de renouvellement et de modernisation, et la maintenance de tous les types d’ouvrage d’art, de biens immeubles, et plus généralement toutes opérations se rapportant directement ou indirectement aux secteurs des travaux publics et privés et du bâtiment
  3. La prestation de conseils et d’assistance tant au point de vue technique qu’administrateur et commercial à toutes sociétés et entreprises, pour tout ce qui concerne le secteur de biens immobiliers
  4. L’acquisition de tous terrains, la construction de tous bâtiments publics et particuliers, l’achat, la vente, la location, la division et le lotissement de tous immeubles
  5. La coordination, la gestion, la construction de chantiers et de tous projets en rapport avec l’activité, le commerce, les affaires sociales et les infrastructures privées ou publiques
  6. La prise en considération de tous travaux concernant la distribution de l’eau, du gaz, de l’électricité, etc,… l’établissement et l’exploitation de tous moyens de transport, ports, canaux, routes, etc.
  7. L’achat, la vente, la location, l’importation, l’exportation de tous matériaux, marchandises, appareils ou outillages nécessaires aux travaux de construction, d’entretien, de maintenance, de réparation et de renouvellement des ouvrages d’art et bâtiments
  8. La préparation, la rédaction et la conclusion en tant que mandataire ou pour compte propre, de tous marchés de travaux publics ou privés ou de fourniture et faire toutes opérations se rattachant à ces objets
  9. L’entreprise de peinture et décoration ainsi que la pose de revêtement des murs et du sol aussi bien intérieur qu’extérieur. Elle pourra effectuer des travaux de rejointoiement ainsi que de nettoyage de façade
  10. Et généralement toutes opérations commerciales, industrielles, mobilières, immobilières ou financières se rattachant directement ou indirectement l’industrie des travaux publics et privés
deed of 20-07-2023 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue Florent Pirotte 39 registered office 4430 Ans 27-04-2017 2.263.595.760

Buildings and parcels at the address

Ground area
183 m²
Buildings
55 m²
Volume, LiDAR
506 m³
Tallest building
10.8 m
Buildings to scale, each on its own parcel
55 m², 10.8 m 55 m², 10.8 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
62332B0013/00Z003183 m² 1 · 55 m² 10.8 m · 3

Recognitions

Recognised contractor

4 categories
STEBERT SRLapproval number 37880
  • D13 Paintingclass 1, up to €162,000
  • D21 Cleaning and restoring facadesclass 1, up to €162,000
  • D25 Wall and floor coverings other than marble, parquet and tilesclass 1, up to €162,000
  • F3 Industrial paintingclass 1, up to €162,000
decision 04-12-2023

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0674.624.211

We would like to set cookies. That happens only with your consent. What we measure