Turnover
≈ €110,000 estimated
The micro format states no turnover.
STEILO
Overview
Lifetime
3 annual accounts with figures on one time axispeak €118,937 (2024)
€58,621▼ 50.7%
peak €92,757 (2024)
€42,946▼ 53.7%
peak €139,490 (2025)
€139,490▲ 44.5%
€37,634▼ 18.8%
Board2 names since 2023
2 directorsLeemans Steven and 1 other
Documentsfilings and deeds
30-07-20261 day before the deadline
2025micro format
Gross margin from €118,937 to €58,621Result from €92,757 to €42,946Equity from €96,544 to €139,490Debts from €46,369 to €37,634Investments €11,387Cash from €108,728 to €157,325
Key points
from the 2025 annual accountsInvestments
€11,387 2.0 × depreciation
Green is investment, beige is depreciation.
Liquidity
4.35 was 2.92 in 2024
Short-term debts fell from €46,369 to €37,634.
Checked score
97
Excellent
Financially stronger than 77% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.4%▲ +0.2 percentage points vs 07-2025highest value
09-2025: < 0.1%▼ -0.4 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
lowers risk
Liquidity: current ratio 4.35, cash €157,325
Sector: Computer programming, consultancy and related activities (NACE 62)
Equity €139,490 (78.8% of total assets)
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 62, micro). It does better than 85% of them on solvency, 82% on liquidity, 64% on profitability and 77% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as STEILO has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of STEILO itself is lower: < 0.1% within 12 months. It rests on far more data about STEILO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for STEILO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €13,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 4.35 (2.92 in 2024), above the usual 1.5. Short-term debt is 21.2% and cash 88.8% of total assets. 21.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 day early
2024
14 days late
2023
7 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 2 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · 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 30 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Leemans Steven 5 sharesdeed of 27-11-2023
- Van Sweevelt Ilonka 5 sharesdeed of 27-11-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1002569333
First establishment
Begijnenstraat 32, Tienen
Incorporation
Founders: Leemans Steven and Van Sweevelt Ilonka · 10 shares · Appointments: Leemans Steven (director) and Van Sweevelt Ilonka (director) · published on 27-11-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEILO Tienen | €177,124 | €58,621 | 78.8% | - |
| DCSQUARED Overijse | €186,153 | €64,136 | 86.8% | - |
| Wiels Engineering Lennik | €176,626 | €66,250 | 75.0% | - |
| KeiKy Huldenberg | €158,682 | €55,514 | 87.3% | - |
| RITOXCONSULT Tielt-Winge | €198,340 | €66,640 | 59.1% | - |
| ALL4IT BELGIUM Jette | €167,575 | €60,321 | -5.4% | - |
| NEVADE Sint-Niklaas | €177,399 | €54,817 | 41.1% | - |
These companies have the same main activity as STEILO: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €159,000 and €198,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 23-11-2023Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 3 others
- Establishment unit
- 2.352.637.7033300 Tienen, since 27-11-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 23-04-2025
Annual accounts 2025
- €58,621▼ 50.7%
- €42,946▼ 53.7%
- €139,490▲ 44.5%
- €177,124▲ 23.9%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on STEILO
STEILO files the micro format. That format states no turnover. The gross margin rose from €4,621 in 2023 to €58,621 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-07-2026, 1 day before the deadline€58,621
▼ 50.7%
€53,052
▼ 55.3%
€42,946
▼ 53.7%
€126,210
▲ 41.7%
78.8%
▲ 11.2 percentage points
4.35
▲ 1.43
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €110,000. Estimated: probably between €100,000 and €150,000.
Balance sheet
balance sheet total €177,124 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
78.8%
Higher than 73% of 21,208 companies in 2025.
4.35
Higher than 71% of 20,571 companies in 2025.
24.2%
Higher than 59% of 20,746 companies in 2025.
STEILO
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
177,124 | 142,913 | 18,866 | |
21/28 |
13,280 | 7,462 | - | |
22/27 |
13,280 | 7,462 | - | |
22 |
9,643 | - | - | |
23 |
1,184 | 1,327 | - | |
24 |
2,453 | 1,447 | - | |
26 |
- | 4,688 | - | |
29/58 |
163,844 | 135,451 | 18,866 | |
40/41 |
6,519 | 26,723 | 17,255 | |
40 |
6,504 | 26,723 | 17,255 | |
41 |
16 | - | - | |
54/58 |
157,325 | 108,728 | 906 | |
490/1 |
- | - | 706 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
177,124 | 142,913 | 18,866 | |
10/15 |
139,490 | 96,544 | 3,787 | |
10/11 |
100 | 100 | 100 | |
13 |
139,000 | 95,000 | 3,500 | |
133 |
139,000 | 95,000 | 3,500 | |
14 |
390 | 1,444 | 187 | |
17/49 |
37,634 | 46,369 | 15,080 | |
42/48 |
37,634 | 46,369 | 15,080 | |
43 |
- | 988 | - | |
430/8 |
- | 988 | - | |
44 |
727 | 719 | 1,589 | |
440/4 |
727 | 719 | 1,589 | |
45 |
36,096 | 44,662 | 10,215 | |
450/3 |
32,596 | 41,162 | 5,715 | |
454/9 |
3,500 | 3,500 | 4,500 | |
47/48 |
810 | - | 3,276 | |
| Income statement | ||||
9900 |
58,621 | 118,937 | 4,621 | |
630 |
5,570 | 308 | - | |
9901 |
53,052 | 118,629 | 4,621 | |
75/76B |
0 | - | - | |
75 |
0 | - | - | |
65/66B |
504 | 83 | 3 | |
65 |
504 | 83 | 3 | |
9903 |
52,548 | 118,546 | 4,618 | |
67/77 |
9,602 | 25,789 | 932 | |
9904 |
42,946 | 92,757 | 3,687 | |
9905 |
42,946 | 92,757 | 3,687 | |
| Appropriation of the result | ||||
9906 |
44,390 | 92,944 | 3,687 | |
14P |
1,444 | 187 | - | |
691/2 |
44,000 | 91,500 | 3,500 | |
6921 |
44,000 | 91,500 | 3,500 | |
| Document | ||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 58,621 | 118,937 | - | ||
| 48,516 | 93,065 | - | ||
| 11,387 | 7,770 | - | ||
| 48,597 | 107,823 | - | ||
| 126,210 | 89,082 | 3,787 | ||
| 78.8% | 67.6% | 20.1% | ||
| 4.35 | 2.92 | 1.25 | ||
| 0.27 | 0.48 | 3.98 | ||
| 30.8% | 96.1% | 97.4% | ||
| 24.2% | 64.9% | 19.5% | ||
| over 100 | over 100 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €11,387 | €7,770 | - |
| €5,570 | €308 | - |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on STEILO
The operating result for 2025 is 55% lower than in 2024.
Debt's share of the balance-sheet total falls from 32.4% to 21.2%. Equity is higher and debt is lower.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
since 23-11-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 30-07-2026
Director (not named in the articles)
since 23-11-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 30-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Indien de vennootschap door meer dan één bestuurder wordt bestuurd, mag iedere bestuurder, alleen optredend, alle handelingen stellen die…”deed of 27-11-2023
Mandates through the years
2 names, the dashed line is todayLeemans Steven
Director (not named in the articles)
Director (not named in the articles)
Van Sweevelt Ilonka
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Leemans Steven
- Director (not named in the articles), from 23-11-2023 to date
- Van Sweevelt Ilonka
- Director (not named in the articles), from 23-11-2023 to date
Control
Founders
This company
STEILO
Equity €139,490
Profit €42,946 in 2025
Capital
- Contribution
- €100
- Shares
- 10
- Contribution per share
- €10
- Equity per share
- €13,949 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 27-11-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Tuesday of June at 20:00
Shareholders
At incorporation
deed of 27-11-2023 ↗
- Leemans Steven 5 shares (50%) · €50
- Van Sweevelt Ilonka 5 shares (50%) · €50
Network & group
No group
STEILO has no parent and no holdings in its annual accounts. STEILO shares no director with another company.
Timeline
Timeline
9 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 1 day before the deadline
2025
Equity above €100,000 equity €139,490 ▲44.5% With a profit in every financial year since 2023, equity grows to €139,490.
Annual accounts 2024 filed PDFmicro format · 14 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1002569333
2024
Highest result from 2023 to 2025 net €92,757 ▲2,416% The operating result of €118,629 and the net result of €92,757 are both a record.
Liquidity more than doubled current ratio 2.92 The current ratio rises from 1.25 to 2.92.
Annual accounts 2023 filed PDFmicro format · 7 days before the deadline
2023
First establishment Begijnenstraat 32, Tienen
IncorporationFounders: Leemans Steven and Van Sweevelt Ilonka · 10 shares · Appointments: Leemans Steven (director) and Van Sweevelt Ilonka (director) · published on 27-11-20235 points ▸
- Founder, Leemans Steven
- Founder, Van Sweevelt Ilonka
- 10 shares
- Director appointment, Leemans Steven (director (not named in the articles))
- Director appointment, Van Sweevelt Ilonka (director (not named in the articles))
- The deed holds 4 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1002.569.333
- VAT number
- BE 1002.569.333
- Peppol ID
- 0208:1002569333
- Other Peppol ID
- 9925:BE1002569333
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 23-11-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Tuesday of June at 20:00deed of 27-11-2023 (in Dutch)
- Peppol
- Reachable since 23-04-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- STEILO in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 27-11-2023 (in Dutch)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
Codes under NACEBEL 2008
62020
IT consultancy main activity
62090
Computer programming, consultancy and related activities
82110
Office administrative, office support and other business support activities
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Kleinhandel in computers en standaardprogrammatuur; Draadgebonden telecommunicatie; Draadloze telecommunicatie; Transmissie van…”deed of 27-11-2023 (in Dutch)
27 activities
- Kleinhandel in computers en standaardprogrammatuur
- Draadgebonden telecommunicatie
- Draadloze telecommunicatie
- Transmissie van geluid,beelden,gegevens of andere informatie via kabel,draadloos,door middel van relais of via een satelliet
- Exploitatie van elektronische communicatienetwerken voor algemeen gebruik of ten behoeve van bepaalde categorieën van gebruikers (b.v. financiële instellingen)
- Telefoon,mobilofoon,telegraaf,telex,fax
- Onderhoud van het netwerk
- Overige telecommunicatie
- Ontwerpen programmeren van computerprogramma’s,computerconsultancy-activiteiten en aanverwanten activiteiten
- Ontwerpen van programmeren van computerprogramma’s
- Computerconsultancy-activiteiten
- Verlenen van advies aan de gebruikers over soorten computers (hardware) en hun configuratie en de toepassing van bijbehorende programmatuur (software)
- Activiteiten van systeemintegrators
- Beheer van computerfaciliteiten
- Overige diensten op het gebeid van informatietechnologie en computer
- Dienstverlenende activiteiten op het gebied van informatie
- Gegevensverwerking,webhosting en aanverwante activiteiten
- Webportalen
- Al dan niet permanent verwerpen van gegevens met behulp van een eigen programma of programma van de klant: invoeren van gegevens en volledige verwerking van gegevens
- Permanent beheren van en werken met de gegevensverwerkende apparatuur van derden
- Samenstelling van databanken door samenbrengen en al dan niet interpreteren van bestaande gegevens uit verschillende bronnen: uurroosters,industriële catalogi,wetenschappelijke gegevens,enzovoort
- Opslag van gegevens door middel van een computerrecord in een bepaald formaat
- Ter beschikking stellen van databanken: leveren van gegevens voor gebruikers (individueel of in groep),in een bepaalde volgorde,door on-line terugzoeken of door toegankelijkheid van de gegevens
- Onderhoud en reparatie van computers,communicatieapparatuur,randapparatuur,rekenmachines en overige kantoormachines
- Administratieve en ondersteunende activiteiten ten behoeve van kantoren en de horeca
- Organisatie van congressen en beurzen
- Zakelijke dienstverlening,zoals onder andere: etiketteren,zegelen en stempelen,inpakken van pakjes en geschenken
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Begijnenstraat 32 registered office 3300 Tienen | 27-11-2023 | 2.352.637.703 |
Buildings and parcels at the address
- Ground area
- 791 m²
- Buildings
- 172 m²
- Volume, LiDAR
- 744 m³
- Tallest building
- 7.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24081A0229/00F000 | 791 m² | 1 · 172 m² | 7.7 m · 2 |