Skip to content

SteCum

Active
Private limited companyfounded 2011active for 15 yearsNeerwindenstraat 33, 3400 Landen, BelgiumKBO/BCE: BE 0839.500.950
Summary

SteCum has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€21,374) and a net result of -€22,091. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 5% of 20,538 sector peers (NACE 62, financial year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

Overview

Official details

Source: KBO
Status
Active since 21-09-2011 Normal situation
Activity
Computer programming NACE 62100and 4 others
Establishment unit
2.202.914.738 3400 Landen, since 01-10-2011
Financial year end
31 December
Peppol
Reachable since 20-02-2026

Financial position

53 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
0.7%
Annual accounts 2024
Gross margin
-€8,152
Loss
€22,091
▲ 258%
Equity
-€21,374
Total assets
€55,793
▼ 10.1%
  • Negative equity on 31-12-2024
  • 2025 accounts not filed, 94 days past the deadline
Turnover not published (micro format)
Filed on 31-12-2025
Score breakdownraises riskCapped at 59: negative equity1 financial year not filed after the legal deadline; last filed accounts filed 153 days late; 2 of the last 3 accounts latelowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 0.57, cash €40,756Size: total assets €55,793Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 9% of micro companies in computer programming and consultancy (NACE 62)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2023
Weak
Solvency 0-26
equity -38.3% of total assets
Liquidity 50=
short-term debt 138.3% · cash 73.0%
Profitability 0-56
return on assets -39.6%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,913 companies, NACE 62, micro)
Last 24 months 12-2024: 0.6% 01-2025: 0.4%▼ -0.2 percentage points vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.3%▼ -0.1 percentage points vs 05-2025lowest value 07-2025: 0.4%▲ +0.1 percentage points vs 06-2025 08-2025: 0.5%▲ +0.1 percentage points vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.6%▲ +0.1 percentage points vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.9%▲ +0.3 percentage points vs 11-2025highest value 01-2026: 0.8%▼ -0.1 percentage points vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.8%● unchanged vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.7%▼ -0.1 percentage points vs 06-2026 08-2026: 0.8%▲ +0.1 percentage points vs 07-2026 09-2026: 0.8%● unchanged vs 08-2026 10-2026: 0.7%▼ -0.1 percentage points vs 09-2026 11-2026: 0.7%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.57 (0.73 in 2023), below 1. Short-term debt is 138.3% and cash 73% of total assets. Equity is negative.
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 62, micro). It does better than 3% of them on solvency, 27% on liquidity, 5% on profitability and 0% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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

Seven signals.
lowers riskraises risk
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 153 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Liquidity: current ratio 0.57, cash €40,756
NBB · annual accounts
lowers risk · Size: total assets €55,793
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year -€21,374
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 94 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline02-11-2026 today
raises risk · 2024 accounts filed 153 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
153 days late
2023
153 days late
2022
10 days late
2021
25 days late
2020
18 days late
2019
13 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 62 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2024 -€21,374 View
  • Caution: Lower solvency than 95% of companies in computer programming and consultancysector median 62.8% · 20,538 companies -38.3% View
  • Caution: 2 loss-making years in a rowloss in financial year 2024 -€22,091 View

Recent changes

  1. · Gazette deed Change of role: STEFFENS,Luc Marie Pierre Gilles Thomas, from manager to director
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as SteCum: computer programming (NACE 62100). They are comparable in size and age: total assets between €51,800 and €59,100, founded between 2010 and 2013.

CompanyTotal assetsGross margin
SteCum Landen€55,793-€8,152
TWODESIGNERS Liège€53,368-€61,630
OPTIMAL SOLUTION PROVIDER Mont-Saint-Guibert€59,118€185
KHO'N SUL'T Anderlecht€51,804€811
Nature's Gold Retie€58,420-€57,451
Priadus Geel€57,170-€10,690
J4Ware Brugge€53,413-€14,258
Full comparison

Key facts about SteCum

What is the company number of SteCum?
The company number of SteCum is 0839.500.950. The VAT number is the same number with BE in front: BE 0839.500.950.
Where is SteCum based?
The registered office is at Neerwindenstraat 33, 3400 Landen.Company details
What does SteCum do?
According to the KBO register, the main activity is computer programming (NACE 62100).
What is the legal form of SteCum?
The legal form of SteCum is Private limited company (BV).
When was SteCum founded?
SteCum was founded on 21-09-2011.
Is SteCum still active?
Yes, SteCum is an active enterprise in the KBO register.
What is the turnover of SteCum?
The annual accounts for financial year 2024 state no turnover. The micro format does not require it.Financials
Is SteCum profitable?
In financial year 2024, SteCum made a loss of €22,091.
Where can I find the annual accounts of SteCum?
SteCum filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.