STEFAN GROUP

Active

Private limited companyfounded 2023active for 3 yearsGrensstraat 285, 9032 Gent, BelgiumKBO/BCE: BE 0805.661.313

From the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of STEFAN GROUP is 1.8% (moderate). The 2025 annual accounts show equity of €9,467 and a net result of €14,528. Its solvency ranks better than 46% of 9,368 sector peers (NACE 41, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

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STEFAN GROUPActiveChecked score 56/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 11-09-2023 Normal situation
Legal form: Private limited company
Registered office: Grensstraat 285, 9032 Gent
Activity: General construction of residential buildings NACE 41001and 1 other
Establishment unit: 2.349.172.229 9032 Gent, since 11-09-2023
Financial year end: 31 December
Peppol: Reachable since 30-01-2025

Company details

Who decides

Board

STEFANOV Kosta StefanovDirector · since 11-09-2023

Board & ownership

How it is doing

56 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 1.8%

Annual accounts 2025

Gross margin: €56,438; ▼ 14.8%
Turnover: ≈ €290,000; estimated
Profit: €14,528; ▼ 50.7%
Equity: €9,467; ▼ 67.9%
Total assets: €23,995; ▼ 24.1%
Staff: ≈ 0.9 FTE; estimated

2025 accounts 66 days early

Filed on 26-05-2026PDF

Financials

Why 56raises riskFounded in 2023Sector: Construction of residential and non-residential buildings (NACE 41)Size: total assets €23,995lowers riskLiquidity: cash €7,701, halvedShow the evidence

Checked score

Score 2025

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 57% of its sector peers (NACE 41, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 64-36

equity 39.5% of total assets

Liquidity 80-20

cash 32.1%

Profitability 100=

return on assets 60.5%

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

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

Sector median 1.5% (13,451 companies, NACE 41, micro)

Last 24 months 11-2024: 3.7% 12-2024: 3.8%▲ +0.1 percentage points vs 11-2024 01-2025: 4.2%▲ +0.4 percentage points vs 12-2024 02-2025: 4.2%● unchanged vs 01-2025 03-2025: 4.6%▲ +0.4 percentage points vs 02-2025 04-2025: 5.0%▲ +0.4 percentage points vs 03-2025highest value 05-2025: 0.6%▼ -4.4 percentage points vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.6%● unchanged vs 06-2025 08-2025: 0.6%● unchanged vs 07-2025lowest value 09-2025: 0.6%● unchanged vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.7%▲ +0.1 percentage points vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 1.8%▲ +1.1 percentage points vs 05-2026 07-2026: 1.8%● unchanged vs 06-2026 08-2026: 1.8%● unchanged vs 07-2026 09-2026: 1.8%● unchanged vs 08-2026 10-2026: 1.8%● unchanged vs 09-2026

Credit of up to €500 on 30-day terms is acceptable

cash: 32.1% of total assets, and 60.5% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 41, micro): better than 47% on solvency, 83% on liquidity, 91% on profitability and 8% 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Founded in 2023

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Liquidity: cash €7,701, halved

NBB · annual accounts

Size: total assets €23,995

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

66 days early

2024

92 days early

← before the deadline after the deadline →

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

This company filed its last 2 accounts on average 79 days before the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% 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.

Companies Code · seven months

Where today falls in the filing period

31-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since incorporation in 2023.

KBO publications · our coverage

Documents

Annual accounts at the NBB

Annual accounts 2025filed on 26-05-2026
Annual accounts 2024filed on 30-04-2025

Acts in the Belgian Official Gazette

Incorporationact of 13-09-2023

All publications in the Belgian Official Gazette

Articles and registers

Coordinated articles of associationnotaries' database
Entry in the KBO registerKBO Public Search
Check the withholding obligationwith enterprise number 0805.661.313

Key facts about STEFAN GROUP

What is the company number of STEFAN GROUP?: 0805.661.313. In Belgium the VAT number is the company number with BE in front: BE 0805.661.313.
Where is STEFAN GROUP based?: The registered office is at Grensstraat 285, 9032 Gent.Company details
What does STEFAN GROUP do?: According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of STEFAN GROUP?: Private limited company (BV).
When was STEFAN GROUP founded?: On 11-09-2023.
Is STEFAN GROUP still active?: Yes, STEFAN GROUP is an active enterprise in the KBO register.
What is the turnover of STEFAN GROUP?: ≈ €290,000 in financial year 2025. Estimated from the gross margin of €56,438: probably between €210,000 and €520,000, based on 107 comparable companies, NACE 41001.Financials
Is STEFAN GROUP profitable?: In financial year 2025, STEFAN GROUP made a profit of €14,528.
Where can I find the annual accounts of STEFAN GROUP?: STEFAN GROUP filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of STEFAN GROUP due?: By 31-07-2027, for financial year 2026.Timeline