Financials
- Fiscal year
- 2025
- Total assets
- €191,584
- Profit
- €63,336
- Solvency
- 34.6%
Stef Verelst
ActiveSummary
Stef Verelst has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66,336 and a net result of €63,336. Its solvency ranks better than 36% of 33831 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Plumbing work
NACE 43221
1 site
Size
€191,584total assets 2025
- Equity
- €66,336
- Profit
- €63,336
Turnover not published (abridged schema)
Structure
Accounts 17 d early0 of 1 deed read
Why 71- Founded in 2024- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 0.78, cash €83,745+ Figures for FY 2025 (filed 14-07-2026)Show the evidence
Checked score
Score 2025
71
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 64% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
60
equity 34.6% of total assets
Liquidity
65
short-term debt 65.3% · cash 43.7%
Profitability
100
return on assets 33.1%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 1.9%
01-2026: 1.9%● 0.0% vs 12-2025
02-2026: 2.0%▲ +4.7% vs 01-2026
03-2026: 2.3%▲ +16.6% vs 02-2026
04-2026: 2.4%▲ +5.6% vs 03-2026
05-2026: 2.7%▲ +11.5% vs 04-2026
06-2026: 2.7%● 0.0% vs 05-2026
07-2026: 3.0%▲ +10.3% vs 06-2026highest value
08-2026: 0.6%▼ -79.6% vs 07-2026
09-2026: 0.6%▼ -1.5% vs 08-2026lowest value
10-2026: 0.6%● 0.0% vs 09-2026lowest value
- Liquidity: current ratio 0.78, cash €83,745 lowers the probability
- Founded in 2024 raises the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
- Figures for FY 2025 (filed 14-07-2026) lowers the probability
Credit up to €4,500 at 30 days acceptable
Liquidity short (current ratio 0.78; short-term debt: 65.3% and cash: 43.7% of total assets), and 65.4% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 36%, liquidity 64%, profitability 93%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
17 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 14-07-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Plumbing workNACE 43221
- Founded
- 20-11-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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