STEF Logistics Lummen

Active

Public limited companyfounded 1991active for 34 yearsKlaverbladstraat 32, 3560 Lummen, BelgiumKBO/BCE: BE 0445.718.760

From the official registers: KBO 34 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of STEF Logistics Lummen is 6.1% (elevated). The annual accounts of STEF Logistics Lummen for financial year 2025 show a net loss of 81% of the equity at the start of that year. The 2025 annual accounts show equity of €308,479 and a net result of -€1.2m. Equity has been shrinking by about 3.3% per year since 2018. Its solvency ranks better than 19% of 861 sector peers (NACE 52, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.

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STEF Logistics LummenActiveChecked score 34/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 14-11-1991 Normal situation
Legal form: Public limited company
Registered office: Klaverbladstraat 32, 3560 Lummen
Activity: Warehousing and storage NACE 52100and 2 others
Establishment units: 2.055.084.956 3560 Lummen, since 25-11-1991
: 2.356.929.358 3560 Lummen, since 13-03-2024
Financial year end: 31 December
Peppol: Reachable since 18-07-2025

Company details

Board and ownership

Board

Bastien DreanoDirector · since 02-12-2024
Christophe GorinDirector · since 02-12-2024
Stanislas LemorDirector · since 02-12-2024

Auditor: EY Révisuers d'entreprises SRL

Shareholders

STEF SAconsolidatesannual accounts 2025

Board & ownership

Financial position

34 Weak Checked score 2025

Bankruptcy probabilitywithin 12 months: 6.1%

Annual accounts 2025

Turnover: €3.6m; ▼ 27.2%
Loss: €1.2m; ▲ 13×
Equity: €308,479; ▼ 79.3%
Total assets: €2.7m; ▼ 50.9%
Staff: 38.8 FTE; ▼ 8.1%

2025 accounts filed 28 days before the deadline

Filed on 03-07-2026at the National Bank

Financials

Score breakdownraises riskLoss of €1.2m, the second in a row (financial year 2025)Equity €308,479 (11.3% of total assets)Sector: Warehousing and support activities for transportation (NACE 52)1 of the last 3 accounts lateShow the evidence

Checked score

Score 2025

34 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially stronger than 15% of small companies in warehousing and transport support (NACE 52)

Every signal that counts is listed under Signals.

Financial strength · tick: 2024

Weak

Solvency 36-16

equity 11.3% of total assets

Liquidity 32-46

short-term debt 38.8% · cash 0.4%

Profitability 0-30

return on assets -44.3%

Bankruptcy probability within 12 months

6.1% Elevated

0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (595 companies, NACE 52, small)

Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged 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: 0.4%● unchanged vs 05-2025 07-2025: 0.6%▲ +0.2 percentage points vs 06-2025 08-2025: 1.0%▲ +0.4 percentage points vs 07-2025 09-2025: 1.2%▲ +0.2 percentage points vs 08-2025 10-2025: 1.8%▲ +0.6 percentage points vs 09-2025 11-2025: 0.4%▼ -1.4 percentage points vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026lowest value 04-2026: 0.4%● unchanged vs 03-2026lowest value 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 6.1%▲ +5.7 percentage points vs 07-2026highest value 09-2026: 6.1%● unchanged vs 08-2026highest value 10-2026: 6.1%● unchanged vs 09-2026highest value

Credit of up to €10,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity is insufficient, with a current ratio of 0.6 (1.52 in 2024), below 1. Short-term debt is 38.8% and cash 0.4% of total assets. 88.7% 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 52, small). It does better than 22% of them on solvency, 30% on liquidity, 3% on profitability and 6% on growth.

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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Signals

Seven signals.

raises riskneutral

Loss of €1.2m, the second in a row (financial year 2025)

NBB · annual accounts

Equity €308,479 (11.3% of total assets)

NBB · annual accounts

Sector: Warehousing and support activities for transportation (NACE 52)

KBO

1 of the last 3 accounts late

NBB · filings

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

1819202122232425

2018 to 2025 · latest year -€1.2m

Weak solvency compared with the sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 861 sector peers (2025).

NBB · sector comparison

Position among 861 sector peers

Solvency

better than 19%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

28 days early

2024

74 days late

2023

1 day early

2022

17 days late

2021

22 days late

2020

11 days early

2019

37 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 5 days after the deadline. In the sector (NACE 52), the median for financial year 2024 was 8 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 August (4 of the last 5 filed years within 45 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Key points

Caution: Result fell in 2025from -€95,557 to -€1.2m ▼ 1,166% View
Caution: Lower net result than 94% of companies in warehousing and transport supportsector median €109,676 · 854 companies -€1.2m View
Caution: 2 loss-making years in a rowloss in financial year 2025 -€1.2m View
Flemish supportawarded from 2022 to 2025 €92,873 View

Documents

Key facts about STEF Logistics Lummen

What is the company number of STEF Logistics Lummen?: The company number of STEF Logistics Lummen is 0445.718.760. The VAT number is the same number with BE in front: BE 0445.718.760.
Where is STEF Logistics Lummen based?: The registered office is at Klaverbladstraat 32, 3560 Lummen.Company details
What does STEF Logistics Lummen do?: According to the KBO register, the main activity is warehousing and storage (NACE 52100).
What is the legal form of STEF Logistics Lummen?: The legal form of STEF Logistics Lummen is Public limited company (NV).
When was STEF Logistics Lummen founded?: STEF Logistics Lummen was founded on 14-11-1991.
Is STEF Logistics Lummen still active?: Yes, STEF Logistics Lummen is an active enterprise in the KBO register.
How many employees does STEF Logistics Lummen have?: STEF Logistics Lummen had an average of 38.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of STEF Logistics Lummen?: The turnover of STEF Logistics Lummen was €3.6m in financial year 2025, according to the filed annual accounts.
Is STEF Logistics Lummen profitable?: In financial year 2025, STEF Logistics Lummen made a loss of €1.2m.
Where can I find the annual accounts of STEF Logistics Lummen?: STEF Logistics Lummen filed 34 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of STEF Logistics Lummen due?: STEF Logistics Lummen must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Comparable companies

These companies have the same main activity as STEF Logistics Lummen: warehousing and storage (NACE 52100). They are comparable in size and age: total assets between €1.5m and €5m, founded between 1983 and 2005.

Company	Total assets	Turnover
STEF Logistics Lummen Lummen	€2.7m	€3.6m
PARFULUX Anderlecht	€3.1m	€4.8m
CLF Logistics Comines-Warneton	€5.0m	€4.3m
ZWIJNDRECHT POLYMER HANDLING Antwerpen	€1.5m	€4.6m
STEF Logistics Courcelles Courcelles	€1.9m	€6.2m
LOGISTIQUE RECOGNE Libramont-Chevigny	€2.7m	€5.6m
WIJNGAARD NATIE WAREHOUSING Antwerpen	€3.2m	€7.2m