Stegie
ActiveSummary
Stegie has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €27,244 and a net result of €823. Equity is growing by ~4.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability46▲+5
Solvency45▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.09 in 2023; short-term debt: 22.2% and cash: 0% of total assets), and 79.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
20.5%
Return on assets
0.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
355 d late
2022
119 d late
2021
2 d late
2020
27 d late
2019
14 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 6 accounts on average 81 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€27,244▲ 3.1%
2023 · €26,421
Total assets
€133,186▼ 5.1%
2023 · €140,389
Net result
€823
2023 · -€76
Working capital
-€27,155▼ 8.6%
2023 · -€25,012
Trend over the years
In euros
In euros
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€6,968▲ 785%€9,887▲ 41.9%€6,362▼ 35.6%€4,061▼ 36.2%€5,185▲ 27.7%
Net result€2,107€4,741▲ 125%€1,583▼ 66.6%-€76€823
Equity€20,172▲ 11.7%€24,913▲ 23.5%€26,496▲ 6.4%€26,421▼ 0.3%€27,244▲ 3.1%
Total assets€165,807▼ 11.3%€157,967▼ 4.7%€148,252▼ 6.1%€140,389▼ 5.3%€133,186▼ 5.1%
Debt€145,635▼ 13.7%€133,053▼ 8.6%€121,756▼ 8.5%€113,968▼ 6.4%€105,942▼ 7.0%
Working capital-€32,785▲ 22.8%-€21,916▲ 33.2%-€22,210▼ 1.3%-€25,012▼ 12.6%-€27,155▼ 8.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 28% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €133,186
Fixed assets
€130,776 ▼ 5.2%
Current assets
€2,410 ▼ 1.2%
Equity and liabilities €133,186
Equity
€27,244 ▲ 3.1%
Debt
€105,942 ▼ 7.0%
Debt's share of the balance-sheet total falls from 81.2% to 79.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12,339▲
2023 · €11,233
Cash flow
€7,977▲
2023 · €7,097
Current ratio
0.08▼
2023 · 0.09
Debt to equity
3.89▼
2023 · 4.31
ROE
3.0%▲
2023 · -0.3%
ROA
0.6%▲
2023 · -0.1%
Interest coverage
3.12▲
2023 · 2.74
Debt ≤ 1 year
€29,565▲
2023 · €27,452
Debt > 1 year
€76,221▼
2023 · €86,376
Income taxes
€407▲
2023 · €30
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,508 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 97% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.4%
went bankrupt
1.6%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,508 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,834 | €7,779 | €7,706 | €7,173 | €7,154 | ▼ 0.3% |
| Other operating charges640/8 | - | €1,939 | €2,365 | €2,146 | €2,271 | ▲ 5.8% |
| Non-recurring operating charges66A | - | - | - | - | €19 | - |
| Gross operating margin9900 | €18,798 | €19,605 | €16,434 | €13,380 | €14,629 | ▲ 9.3% |
| Operating profit (loss)9901 | €6,968 | €9,887 | €6,362 | €4,061 | €5,185 | ▲ 27.7% |
| Financial income75/76B | - | €21 | - | - | - | - |
| Recurring financial income75 | €0 | €21 | - | - | - | - |
| Financial charges65/66B | - | €4,501 | €4,167 | €4,106 | €3,955 | ▼ 3.7% |
| Recurring financial charges65 | €4,787 | €4,501 | €4,167 | €4,106 | €3,955 | ▼ 3.7% |
| Profit (loss) for the period before taxes9903 | €2,182 | €5,407 | €2,195 | -€46 | €1,230 | ▲ 2,792% |
| Income taxes67/77 | €74 | €665 | €612 | €30 | €407 | ▲ 1,257% |
| Profit (loss) for the period9904 | €2,107 | €4,741 | €1,583 | -€76 | €823 | ▲ 1,188% |
| Profit (loss) for the period to be appropriated9905 | €2,107 | €4,741 | €1,583 | -€76 | €823 | ▲ 1,188% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €165,807 | €157,967 | €148,252 | €140,389 | €133,186 | ▼ 5.1% |
| Fixed assets21/28 | €160,607 | €152,828 | €145,122 | €137,949 | €130,776 | ▼ 5.2% |
| Tangible fixed assets22/27 | €160,607 | €152,828 | €145,122 | €137,949 | €130,776 | ▼ 5.2% |
| Land and buildings22 | - | €152,828 | €145,122 | €137,949 | €130,776 | ▼ 5.2% |
| Current assets29/58 | €5,200 | €5,139 | €3,130 | €2,440 | €2,410 | ▼ 1.2% |
| Stocks and contracts in progress3 | €650 | €650 | €650 | - | - | - |
| Stocks30/36 | - | €650 | €650 | - | - | - |
| Amounts receivable within one year40/41 | €2,402 | €3,632 | €1,922 | €1,922 | €1,922 | = |
| Trade receivables40 | - | €3,632 | €1,922 | €1,922 | €1,922 | = |
| Cash at bank and in hand54/58 | €1,735 | €309 | €113 | €62 | €20 | ▼ 68.6% |
| Deferred charges and accrued income490/1 | - | €548 | €445 | €455 | €468 | ▲ 2.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €165,807 | €157,967 | €148,252 | €140,389 | €133,186 | ▼ 5.1% |
| Equity10/15 | €20,172 | €24,913 | €26,496 | €26,421 | €27,244 | ▲ 3.1% |
| Contributions10/11 | - | €38,700 | €38,700 | €38,700 | €38,700 | = |
| Profit (loss) carried forward14 | -€18,528 | -€13,787 | -€12,204 | -€12,279 | -€11,456 | ▲ 6.7% |
| Amounts payable17/49 | €145,635 | €133,053 | €121,756 | €113,968 | €105,942 | ▼ 7.0% |
| Amounts payable after more than one year17 | €107,572 | €105,882 | €96,261 | €86,376 | €76,221 | ▼ 11.8% |
| Financial debts170/4 | - | €105,882 | €96,261 | €86,376 | €76,221 | ▼ 11.8% |
| Amounts payable within one year42/48 | €37,985 | €27,055 | €25,341 | €27,452 | €29,565 | ▲ 7.7% |
| Current portion of amounts payable after more than one year42 | - | €5,493 | €9,621 | €9,885 | €10,155 | ▲ 2.7% |
| Financial debts43 | - | €2,463 | €2,445 | €2,498 | €2,413 | ▼ 3.4% |
| Credit institutions430/8 | - | €2,463 | €2,445 | €2,498 | €2,413 | ▼ 3.4% |
| Trade debts44 | €157 | €424 | €9,226 | €1,806 | €31 | ▼ 98.3% |
| Suppliers440/4 | - | €424 | €9,226 | €1,806 | €31 | ▼ 98.3% |
| Taxes, remuneration and social security45 | - | €4,803 | €2,032 | €3,726 | €3,316 | ▼ 11.0% |
| Taxes450/3 | - | €4,803 | €2,032 | €3,726 | €3,316 | ▼ 11.0% |
| Other amounts payable47/48 | - | €13,871 | €2,017 | €9,537 | €13,649 | ▲ 43.1% |
| Accrued charges and deferred income492/3 | - | €116 | €154 | €140 | €157 | ▲ 12.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,107 | €4,741 | €1,583 | -€76 | €823 | ▲ 1,188% |
| + Depreciation and write-downs630 | €9,834 | €7,779 | €7,706 | €7,173 | €7,154 | ▼ 0.3% |
| Operating cash flow (approximation) | €11,942 | €12,521 | €9,289 | €7,097 | €7,977 | ▲ 12.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €19 | - |
| Change in cash | - | -€1,426 | -€195 | -€51 | -€43 | ▲ 16.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
21-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 355 days late
2024
31-12
Financial
Back to profitnet €823
Net result €823 after one loss-making year.
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 119 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
31-12
Financial
Highest result since 2018net €4,741 ▲125%
Operating result €9,887, net result €4,741, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-12
Financial
Back to profitnet €2,107
Net result €2,107 after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet -€3,823
Net result drops to -€3,823, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 92 days late
24-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 177 days late
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ham · 1 establishment unit since 2007
Ground area
480 m²
Building footprint
328 m²
Volume, LiDAR
2,389 m³
Parcel 71033B0251/00Y000, Flanders · tallest building 12.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
' T SCHELPJE
since 20072.162.017.162
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033B0251/00Y000 | Flanders | 480 m² | 1 · 328 m² | 12.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded24-04-2007
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0888977977
Registered
17-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.