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STEBOUW

Active
Private limited companyfounded 20233 yrs activeL. Dujardinstraat 14, 8370 Blankenberge, BelgiumKBO/BCE: BE 0805.053.775
Summary

The computed 12-month bankruptcy probability of STEBOUW is 2.7% (moderate). The 2024 annual accounts show equity of €46,046 and a net result of €42,046. Its solvency ranks better than 41% of 9976 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes
Profitability100
Solvency59
Growth-
Track record79
Bankruptcy probability, 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity tight (current ratio 1.45; short-term debt: 66.5% and cash: 10.4% of total assets), and 66.5% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies more bankruptcies →
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 2024
Solvency, return and age of the figures
Solvency
33.5%
Return on assets
30.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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 · 1 filing
Deviation from the deadline
2024
68 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 68 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 23 August 2023, STEBOUW was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€46,046
Total assets
€137,283
Net result
€42,046
Working capital
€40,884

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €137,283
Fixed assets €5,162
Current assets €132,121
Equity and liabilities €137,283
Equity €46,046
Debt €91,237
Debt finances 66.5% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€65,489
Cash flow
€43,619
Current ratio
1.45
Debt to equity
1.98
ROE
91.3%
ROA
30.6%
Interest coverage
46.79
Debt ≤ 1 year
€91,237
Income taxes
€21,775

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 38 lines
Balance sheet Code2024
Assets
Total assets20/58€137,283
Fixed assets21/28€5,162
Tangible fixed assets22/27€4,106
Furniture and vehicles24€4,106
Financial fixed assets28€1,056
Current assets29/58€132,121
Amounts receivable within one year40/41€117,747
Trade receivables40€20,815
Other amounts receivable41€96,932
Cash at bank and in hand54/58€14,335
Deferred charges and accrued income490/1€39
Equity and liabilities
Total equity and liabilities10/49€137,283
Equity10/15€46,046
Contributions10/11€4,000
Reserves13€41,500
Distributable reserves133€41,500
Profit (loss) carried forward14€546
Amounts payable17/49€91,237
Amounts payable within one year42/48€91,237
Trade debts44€69,463
Suppliers440/4€69,463
Taxes, remuneration and social security45€21,775
Taxes450/3€21,775
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,573
Other operating charges640/8€1,654
Gross operating margin9900€67,143
Operating profit (loss)9901€63,916
Financial income75/76B€1,304
Recurring financial income75€1,304
Financial charges65/66B€1,400
Recurring financial charges65€1,400
Profit (loss) for the period before taxes9903€63,820
Income taxes67/77€21,775
Profit (loss) for the period9904€42,046
Profit (loss) for the period to be appropriated9905€42,046
Appropriation of the result
Profit (loss) to be appropriated9906€42,046
Transfer to equity691/2€41,500
To other reserves6921€41,500

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,573
Other operating charges640/8€1,654
Gross operating margin9900€67,143
Operating profit (loss)9901€63,916
Financial income75/76B€1,304
Recurring financial income75€1,304
Financial charges65/66B€1,400
Recurring financial charges65€1,400
Profit (loss) for the period before taxes9903€63,820
Income taxes67/77€21,775
Profit (loss) for the period9904€42,046
Profit (loss) for the period to be appropriated9905€42,046
Line2024
Assets
Total assets20/58€137,283
Fixed assets21/28€5,162
Tangible fixed assets22/27€4,106
Furniture and vehicles24€4,106
Financial fixed assets28€1,056
Current assets29/58€132,121
Amounts receivable within one year40/41€117,747
Trade receivables40€20,815
Other amounts receivable41€96,932
Cash at bank and in hand54/58€14,335
Deferred charges and accrued income490/1€39
Equity and liabilities
Total equity and liabilities10/49€137,283
Equity10/15€46,046
Contributions10/11€4,000
Reserves13€41,500
Distributable reserves133€41,500
Profit (loss) carried forward14€546
Amounts payable17/49€91,237
Amounts payable within one year42/48€91,237
Trade debts44€69,463
Suppliers440/4€69,463
Taxes, remuneration and social security45€21,775
Taxes450/3€21,775
Line2024
Profit (loss) for the period9904€42,046
+ Depreciation and write-downs630€1,573
Operating cash flow (approximation)€43,619

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
07-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
NBB filing
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, Blankenberge · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
117 m²
Building footprint
88 m²
Volume, LiDAR
826 m³
Parcel 31004A0794/00P012, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
STEBOUW
L. Dujardinstraat 14, 8370 BlankenbergeManufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials
since 20232.348.596.266
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
31004A0794/00P012 Flanders 117 m² 1 · 88 m² 14.8 m · 4 fl.
Linked by address, not proof of ownership
Good to know
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

Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 13,009 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded23-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43110Demolition
43211General electrical installation work
43221Plumbing work
43310Plastering work
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID 0208:0805053775
Also 9925:BE0805053775
Registered 30-12-2025

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.