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Stef Leyman

Active
Private limited companyfounded 2025active for 1 yearReukens 25, 9260 Wichelen, BelgiumKBO/BCE: BE 1022.758.496

From the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of Stef Leyman is 1.7% (moderate). The 2025 annual accounts show equity of €15,191 and a net result of €12,191. Its solvency ranks better than 47% of 34,902 sector peers (NACE 43, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 28-04-2025 Normal situation
Activity
Joinery installation NACE 43320and 4 others
Establishment unit
2.373.491.119 9260 Wichelen, since 28-04-2025
Financial year end
31 December
Peppol
Reachable since 26-05-2025

Board and ownership

Financial position

56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.7%
Annual accounts 2025
Gross margin
€16,320
Turnover
≈ €170,000
estimated
Profit
€12,191
Equity
€15,191
Total assets
€34,575
Filed on 03-09-2026, 34 days after the deadlineat the National Bank
Score breakdownraises riskFounded in 2025Size: total assets €34,575Last filed accounts filed 34 days late; 1 of the last 3 accounts latelowers riskLiquidity: current ratio 1.09, cash €5,360Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 57% of micro companies in specialised construction (NACE 43)
Financial strength
Strong
Solvency 69
equity 43.9% of total assets
Liquidity 41
short-term debt 55.6% · cash 15.5%
Profitability 100
return on assets 35.3%
Bankruptcy probability within 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,675 companies, NACE 43, micro)
Last 24 months 05-2026: 1.9% 06-2026: 1.9%● unchanged vs 05-2026 07-2026: 1.9%● unchanged vs 06-2026 08-2026: 2.3%▲ +0.4 percentage points vs 07-2026 09-2026: 2.4%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 1.7%▼ -0.7 percentage points vs 09-2026lowest value
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.09, below the usual 1.5. Short-term debt is 55.6% and cash 15.5% of total assets. 56.1% of the assets are financed with debt and provisions.
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 43, micro). It does better than 47% of them on solvency, 30% on liquidity and 92% on profitability.

The bankruptcy probability was computed on 31-10-2026 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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Founded in 2025
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €34,575
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Last filed accounts filed 34 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 1.09, cash €5,360
NBB · annual accounts
raises risk · 2025 accounts filed 34 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
34 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2025.
KBO publications

Comparable companies

These companies have the same main activity as Stef Leyman: joinery installation (NACE 43320). They are comparable in size and age: total assets between €30,900 and €34,900, founded between 2024 and 2025.

CompanyTotal assetsGross margin
Stef Leyman Wichelen€34,575€16,320
KOEN HOUTWERK Deinze€31,877€18,064
KVE Interieurs Ranst€30,902€15,033
Nino Wooddesign Pelt€34,913€14,753
Profil Home Gesves€33,488€15,940
ALAMAX Sprimont€33,049€20,545
NS BOIS Spa€34,892€13,688
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Stef Leyman

What is the company number of Stef Leyman?
The company number of Stef Leyman is 1022.758.496. The VAT number is the same number with BE in front: BE 1022.758.496.
Where is Stef Leyman based?
The registered office is at Reukens 25, 9260 Wichelen.Company details
What does Stef Leyman do?
According to the KBO register, the main activity is joinery installation (NACE 43320).
What is the legal form of Stef Leyman?
The legal form of Stef Leyman is Private limited company (BV).
When was Stef Leyman founded?
Stef Leyman was founded on 28-04-2025.
Is Stef Leyman still active?
Yes, Stef Leyman is an active enterprise in the KBO register.
What is the turnover of Stef Leyman?
The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €16,320 and 56 comparable companies (NACE 43320). It probably lies between €100,000 and €320,000. It is a rough estimate.Financials
Is Stef Leyman profitable?
In financial year 2025, Stef Leyman made a profit of €12,191.
Where can I find the annual accounts of Stef Leyman?
Stef Leyman filed 1 annual account with the National Bank of Belgium, for financial year 2025.Annual accounts at the National Bank

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