Checked.be
Active
BE 0524.726.448Private limited company (pre-2019)
STEF CONSTRUCT
· 13 yrs active
Sector: Other building cleaning and industrial cleaning
(81220)
Conclusion
The KBO register records legal situation 050 for STEF CONSTRUCT (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. The 2018 annual accounts show equity of €100k and a net result of €73k.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €100k |
| Net result | €73k |
| Staff (FTE) | 0.5 |
| Active | 13 yrs |
Financial profile
51
/ 100
Mixed profile: strong on profitability, weaker on stability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
15
Profitability
100
Solvency
88
Growth
-
Stability
0
Bankruptcy probability (12 mo)
Bankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Risk Assessment
23 / 100
High riskRegister: open bankruptcyThis score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· 2 historical bankruptcy publications (+20)
· 1 administrative flag (+3)
Trust signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.
Administrative Flags
Address struck
Checked score
15
/ 100
Critical
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
open bankruptcy
Score components
Liquidity
Current ratio 1.79 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.79 (≥ 1.0)
+5
Profitability
ROE 73% (≥ 10%)
+10
Bankruptcy
Open bankruptcy in the KBO legal situation
-60
Computed by Checked from the NBB filing for FY 2018 and the legal situation the KBO register itself records. Indicative, not credit advice.
Financial overview
Annual accounts filed on 15-10-2019 with the NBB · fiscal year 2018 · micro schema
Figures by fiscal year and ratios
| Fiscal year | 2018 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €57k |
| Net profit | €73k |
| Cash flow | €76k |
| Staff costs | - |
| Income taxes | €19k |
| Dividends | - |
| Total assets | €225k |
| Equity | €100k |
| Debt | €124k |
| of which ≤ 1y | €124k |
| of which > 1y | - |
| Working capital | €99k |
| Employees (FTE) | 0.5 |
Ratios (computed)
| 2018 | |
|---|---|
| Current ratio | 1.79 |
| Quick ratio | 1.79 |
| Working capital ratio | 43.9% |
| Solvency | 44.7% |
| Debt / equity | - |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 32.7% |
| ROE | 73.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2018
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2018 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €225k |
| Fixed assets | 21/28 | €2k |
| Tangible fixed assets | 22/27 | €1k |
| Financial fixed assets | 28 | €913 |
| Current assets | 29/58 | €223k |
| Amounts receivable within one year | 40/41 | €205k |
| Cash & bank | 54/58 | €574 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €225k |
| Equity | 10/15 | €100k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €8k |
| Accumulated profits (losses) | 14 | €73k |
| Amounts payable | 17/49 | €124k |
| Amounts payable within one year | 42/48 | €124k |
| Trade debts payable within one year | 44 | €95k |
| Income statement | ||
| Gross operating margin | 9900 | €78k |
| Operating result | 9901 | €54k |
| Financial charges | 65 | €693 |
| Result before taxes | 9903 | €53k |
| Income taxes | 67/77 | €19k |
| Net result for the period | 9904 | €34k |
| Result to be appropriated | 9905 | €34k |
Directors & mandates
| Role | Name | Tenure |
|---|---|---|
| Curator | GUNTHER PEETERS KUNSTLAAN 24, BUS 9,
1000 BRUSSEL 1 |
24-08-2021 → present |
Legal Structure
| NACE primary | Other building cleaning and industrial cleaning(81220) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 21-03-2013 |
| Status | Active |
| Postal code | - |
| First insolvency signal | 30-08-2021 |
| Latest insolvency signal | 09-03-2026 |
Establishment units
AMA DECOR
since 20132.218.590.730
Real-estate footprint
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306D0127/00K003 | Brussels | 533 m² | 1 · 114 m² | 14.3 m · 4 fl. |
| 23069A0140/00M004 | Flanders | 152 m² | 1 · 79 m² | - |
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.
Updates
2026
09-03
Bankruptcy
Bankruptcy closure (by liquidation)
Ondernemingsrechtbank Brussel · STEF CONSTRUCT BV REYSTRAAT 27, 1601. SINT-PIETERS-LEEUW · event 24-02-2026
2025
08-08
KBO administration
Address struck
2021
30-08
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · STEF CONSTRUCT BV REYSTRAAT 27, 1601. SINT-PIETERS-LEEUW · event 24-08-2021
2019
15-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 76 days late
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 238 days late
2018
11-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 164 days late
2016
14-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 75 days late
2015
29-06
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
SignalNBB filing
Lifecycle & Insolvency Signals
09-03-2026
Bankruptcy
Bankruptcy closure (by liquidation)
Full insolvency chronology
The full chronology lists every recorded event with its date, the competent court and the appointed liquidator or administrator. It answers at which stage the proceedings stand and whether they are still running.
We hold 2 further earlier events in this file, covering 24-08-2021 to 24-02-2026.
Available in Kantoor S.
See plans →
Time machine, BS events + macro context
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette reading coverage
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
No credit: a bankruptcy procedure is open.
Company registry (CBE)
Activities
Other building cleaning and industrial cleaning81220Other specialised construction activities43990Specialised construction activities43995
Names & trade names
| Legal nameFR | STEF CONSTRUCT |
Registration history
- 08-08-2025 Address struck
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