SteBo Dakwerken
ActiveThe file of SteBo Dakwerken contains 1 historical bankruptcy publication, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 2.0% (moderate). The 2025 annual accounts show equity of €110k and a net result of €23k. Equity is growing by ~53.4% per year across the filed fiscal years. Its solvency ranks better than 47% of 27676 sector peers (fiscal year 2025).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-25
Solvency70▼-20
Growth85=
Track record79
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 1.82 against 2.75 in 2024; short-term debt: 47.1% and cash: 7.9% of total assets), but 55.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
44.8%
Return on assets
9.3%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 d early
2024
6 d early
2023
2 d early
2022
140 d late
2021
416 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€580k▲ 32.6%
2024 · €438k
2021: €163k
2024: €438k
2021 → 2025
EBIT margin
5.5%▼ 8.7pp
2024 · 14.2%
2021: 5.9%
2024: 14.2%
2021 → 2025
Net result
€23k▼ 48.1%
2024 · €44k
2021: €6k
2022: €24k
2023: €-33
2024: €44k
2021 → 2025
Working capital
€94k▲ 17.1%
2024 · €80k
2021: €3k
2022: €17k
2023: €33k
2024: €80k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€163k-€438k€580k▲ 32.6%
Equity€18k-€43k▲ 133%€43k▼ 0.1%€87k▲ 103%€110k▲ 26.4%
Operating result€10k-€34k▲ 248%€2k▼ 95.0%€62k▲ 3,612%€32k▼ 48.8%
Net result€6k-€24k▲ 315%€-33€44k€23k▼ 48.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €245k
Fixed assets
€35k▲ 460%
Current assets
€209k▲ 65.8%
Equity and liabilities €245k
Equity
€110k▲ 26.4%
Debt
€135k▲ 195%
The debt ratio rises from 34.6% to 55.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▼
2024 · €66k
Cash flow
€30k▼
2024 · €48k
Solvency
44.8%▼
2024 · 65.4%
Current ratio
1.82▼
2024 · 2.75
Quick ratio
1.82▼
2024 · 2.75
Debt / equity
1.23▲
2024 · 0.53
ROE
20.9%▼
2024 · 50.8%
ROA
9.3%▼
2024 · 33.2%
Interest coverage
27.78▼
2024 · 63.38
Debt
€135k▲
2024 · €46k
Debt ≤ 1 year
€115k▲
2024 · €46k
Debt > 1 year
€20k
Income taxes
€12k▼
2024 · €20k
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€133k€245k▲
Fixed assets21/28€6k€35k▲
Tangible fixed assets22/27€4k€33k▲
Plant, machinery and equipment23-€897
Furniture and vehicles24€4k€32k▲
Financial fixed assets28€3k€3k=
Current assets29/58€126k€209k▲
Amounts receivable within one year40/41€93k€190k▲
Trade receivables40€24k€87k▲
Other amounts receivable41€68k€103k▲
Cash at bank and in hand54/58€34k€19k▼
Equity and liabilities
Total equity and liabilities10/49€133k€245k▲
Equity10/15€87k€110k▲
Contributions10/11€13k€13k=
Profit (loss) carried forward14€74k€97k▲
Amounts payable17/49€46k€135k▲
Amounts payable after more than one year17-€20k
Financial debts170/4-€20k
Amounts payable within one year42/48€46k€115k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€26k€76k▲
Suppliers440/4€26k€76k▲
Taxes, remuneration and social security45€20k€32k▲
Taxes450/3€20k€32k▲
Income statement
Code20242025
Turnover70€438k€580k▲
Goods, raw materials, services and sundry goods60/61€383k€541k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€6k€7k▲
Gross operating margin9900€72k€46k▼
Operating profit (loss)9901€62k€32k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€64k€34k▼
Income taxes67/77€20k€12k▼
Profit (loss) for the period9904€44k€23k▼
Profit (loss) for the period to be appropriated9905€44k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€97k▲
Profit (loss) brought forward from the previous period14P€30k€74k▲
The notes to these accounts (7 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €110k ▲26.4%
2 profitable years in a row build equity to €110k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-04
Bankruptcy
Judicial dissolution
Ondernemingsrechtbank Gent, afdeling Dendermonde · van: BV DAKWERKEN YSEWIJN- BAASRODEVEERSTRAAT 100, 9220 HAMME (O.-VL.)
2023
31-12
Financial
Weakest financial yearnet €-33 ▼100%
Net result drops to €-33, the lowest in the series; recovery starts the following year.
18-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 140 days late
20-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 416 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Hamme (Vl.) · 1 establishment unit since 2020
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.
Beekstraat 99220 Hamme (Vl.)Ground area
417 m²
Building footprint
100 m²
Volume, LiDAR
577 m³
Parcel 42452C0301/00H000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dakwerken Ysewijn
since 20202.310.352.037
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C0301/00H000 | Flanders | 417 m² | 1 · 100 m² | 8.9 m · 2 fl. |
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.
Similar companies · same sector, comparable size
S.C.O.R. Toitures et Constructions - Entreprise Générale
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BE 1007.946.893
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TTB Demoitié & Piot
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TOITURES HENSEVAL PHILIPPE
BE 0878.263.635
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KM TOITURES
BE 1013.669.202
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,799 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2020
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
41001General construction of residential buildings
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43320Joinery installation
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.