STEBO CONSTRUCT
ActiveSTEBO CONSTRUCT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-10k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 37% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▼-84
Solvency60▼-10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 2.47 in 2024; short-term debt: 41.9% of total assets), but 64.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.1%
Return on assets
-10.8%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-02-2026, 7 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 · 10 filingsDeviation from the deadline
2025
7 d late
2024
4 d late
2023
5 d late
2022
19 d late
2021
on the day
2020
11 d late
2019
24 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▼ 23.5%
2024 · €44k
2019: €11k
2020: €17k
2021: €19k
2022: €20k
2023: €28k
2024: €44k
2019 → 2025
Total assets
€97k▼ 2.5%
2024 · €99k
2019: €29k
2020: €39k
2021: €42k
2022: €35k
2023: €44k
2024: €99k
2019 → 2025
Net result
€-10k
2024 · €16k
2019: €7k
2020: €6k
2021: €2k
2022: €767
2023: €8k
2024: €16k
2019 → 2025
Working capital
€29k▼ 25.2%
2024 · €38k
2019: €9k
2020: €16k
2021: €19k
2022: €20k
2023: €28k
2024: €38k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€20k▲ 4.0%€28k▲ 40.0%€44k▲ 58.3%€34k▼ 23.5%
Operating result€3k-€1k▼ 42.2%€11k▲ 670%€23k▲ 99.5%€-8k
Net result€2k-€767▼ 59.4%€8k▲ 943%€16k▲ 104%€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€27k▼ 20.6%
Current assets
€69k▲ 7.2%
Equity and liabilities €97k
Equity
€34k▼ 23.5%
Debt
€63k▲ 14.5%
The debt ratio rises from 55.3% to 64.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-1k▼
2024 · €24k
Cash flow
€-3k▼
2024 · €17k
Solvency
35.1%▼
2024 · 44.7%
Current ratio
1.71▼
2024 · 2.47
Quick ratio
1.71▼
2024 · 2.47
Debt / equity
1.85▲
2024 · 1.24
ROE
-30.7%▼
2024 · 36.8%
ROA
-10.8%▼
2024 · 16.5%
Interest coverage
-0.48▼
2024 · 32.42
Debt
€63k▲
2024 · €55k
Debt ≤ 1 year
€40k▲
2024 · €26k
Debt > 1 year
€22k▼
2024 · €29k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€99k€97k▼
Fixed assets21/28€35k€27k▼
Tangible fixed assets22/27€35k€27k▼
Leasing and similar rights25€35k€27k▼
Current assets29/58€65k€69k▲
Amounts receivable within one year40/41€59k€69k▲
Trade receivables40€19k€29k▲
Other amounts receivable41€41k€40k▼
Cash at bank and in hand54/58€5k-
Equity and liabilities
Total equity and liabilities10/49€99k€97k▼
Equity10/15€44k€34k▼
Contributions10/11€7k€7k=
Reserves13€37k€28k▼
Distributable reserves133€37k€28k▼
Profit (loss) carried forward14-€-1k
Amounts payable17/49€55k€63k▲
Amounts payable after more than one year17€29k€22k▼
Financial debts170/4€29k€22k▼
Amounts payable within one year42/48€26k€40k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€14k€25k▲
Suppliers440/4€14k€25k▲
Taxes, remuneration and social security45€6k€6k=
Taxes450/3€6k€6k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€7k▲
Other operating charges640/8€899€2k▲
Gross operating margin9900€25k€769▼
Operating profit (loss)9901€23k€-8k▼
Financial income75/76B€1€31▲
Recurring financial income75€1€31▲
Financial charges65/66B€738€2k▲
Recurring financial charges65€738€2k▲
Profit (loss) for the period before taxes9903€22k€-10k▼
Income taxes67/77€6k-
Profit (loss) for the period9904€16k€-10k▼
Profit (loss) for the period to be appropriated9905€16k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€-10k▼
Profit (loss) brought forward from the previous period14P€2k-
Transfer from equity791/2-€9k
Transfer to equity691/2€18k-
To other reserves6921€18k-
The notes to these accounts (6 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
07-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
30-06
Financial
Weakest financial yearnet €-10k ▼164%
Net result drops to €-10k, the lowest in the series.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Highest result since 2019net €16k ▲104%
Operating result €23k, net result €16k, both a record.
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
19-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 117 days late
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Ronse · 1 establishment unit since 2009
Ground area
1,507 m²
Building footprint
814 m²
Volume, LiDAR
4,236 m³
2 parcels, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Viermaartlaan 7, 9600 Ronse
since 20092.183.695.969
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422D0783/00T010 | Flanders | 952 m² | 1 · 666 m² | 10.6 m · 1 fl. |
| 45422D0771/00V004 | Flanders | 555 m² | 1 · 148 m² | 11.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 6,953 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-11-2009
Fiscal year end30-06
Activities, NACEBEL
43320Joinery installation
43221Plumbing work
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.