STEIN HOUSE
Open bankruptcyA bankruptcy procedure is open for STEIN HOUSE according to publications in the Belgian State Gazette; curator: PIERRE THIRY.
Summary
The 2023 annual accounts show equity of €153,255 and a net result of €84,094.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Liège, Liège division
- Declared bankrupt
- 1 August 2025
- Supervising judge
- Guy Bernard
- Official Gazette
- 08-08-2025 (pdf) ↗search the document for 2025/133615
Deadlines
- Appeal or third-party opposition until
- passed on 23 August 2025Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 31 August 2025art. XX.104 and XX.155 CEL
- First verification report
- passed on 11 September 2025Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- passed on 1 August 2026Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Pierre ThiryPlace Du Haut-Pre 10, 4000 Liege 1p.thiry@cavenaile.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Overview
What they do
Joinery installation
NACE 43320
1 site
How big
€231,955total assets 2023
- Equity
- €153,255
- Profit
- €84,094
Turnover not published (abridged schema)
Financially healthy?
Open bankruptcy: no score
Who decides
Accounts 427 d overdue0 of 2 deeds read
Signals- Open bankruptcyFiled after the deadlineShow the evidence
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 04-10-2024, 65 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2024
not filed
2023
65 d late
2022
333 d late
2021
54 d late
2020
18 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 118 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
- OpeningTribunal de l’entreprise de Liège…
- Annual accounts filedfiscal year 2023 · micro…
- Annual accounts filedfiscal year 2022 · micro…
Financials
Fiscal year 2023Total assets €231,955Profit €84,094Solvency 66.1%Liquidity 2.80
Total assets
€231,955▲ 54.9%
2020 - 2023
Net result
€84,094▲ 224%
2020 - 2023
Equity
€153,255▲ 122%
2020 - 2023
Solvency
66.1%▲ 19.9pp
2020 - 2023
Financials · fiscal year 2023, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
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.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2020202120222023
Operating result€16,917-€23,889▲ 41.2%€54,830▲ 130%€109,378▲ 99.5%
Net result€10,196within the sector's middle half-€13,030within the sector's middle half▲ 27.8%€25,936within the sector's middle half▲ 99.1%€84,094above the sector's middle half▲ 224%
Equity€30,196within the sector's middle half-€43,225within the sector's middle half▲ 43.2%€69,162within the sector's middle half▲ 60.0%€153,255above the sector's middle half▲ 122%
Total assets€252,844within the sector's middle half-€421,651above the sector's middle half▲ 66.8%€149,785within the sector's middle half▼ 64.5%€231,955within the sector's middle half▲ 54.9%
Debt€222,649-€378,426▲ 70.0%€80,624▼ 78.7%€78,699▼ 2.4%
Working capital€25,967within the sector's middle half-€39,699within the sector's middle half▲ 52.9%€60,831within the sector's middle half▲ 53.2%€141,768above the sector's middle half▲ 133%
Solvency11.9%below the sector's middle half-10.3%below the sector's middle half▼ 1.7pp46.2%within the sector's middle half▲ 35.9pp66.1%within the sector's middle half▲ 19.9pp
Current ratio1.12within the sector's middle half-1.10below the sector's middle half▼ 0.011.75within the sector's middle half▲ 0.652.80within the sector's middle half▲ 1.05
Return on assets (ROA)4.0%within the sector's middle half-3.1%within the sector's middle half▼ 0.9pp17.3%within the sector's middle half▲ 14.2pp36.3%above the sector's middle half▲ 18.9pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2023 is 99% above 2022 and is the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €231,955
Fixed assets
€11,488 ▲ 37.9%
Current assets
€220,467 ▲ 55.9%
Equity and liabilities €231,955
Equity
€153,255 ▲ 122%
Debt
€78,699 ▼ 2.4%
Debt's share of the balance-sheet total falls from 53.8% to 33.9%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€111,729▲
2022 · €54,924
Cash flow
€86,444▲
2022 · €26,030
Debt to equity
0.51▼
2022 · 1.17
ROE
54.9%▲
2022 · 37.5%
Interest coverage
86.96▲
2022 · 3.25
Debt ≤ 1 year
€78,699▼
2022 · €80,624
Income taxes
€24,000▲
2022 · €12,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €436 | €702 | €94 | €2,350 | ▲ 2,401% |
| Other operating charges640/8 | - | €59 | €1,446 | €3,055 | ▲ 111% |
| Gross operating margin9900 | €22,997 | €24,650 | €56,369 | €114,783 | ▲ 104% |
| Operating profit (loss)9901 | €16,917 | €23,889 | €54,830 | €109,378 | ▲ 99.5% |
| Financial income75/76B | - | €1 | €20 | - | - |
| Recurring financial income75 | €7 | €1 | €20 | - | - |
| Financial charges65/66B | - | €4,560 | €16,914 | €1,285 | ▼ 92.4% |
| Recurring financial charges65 | €946 | €4,560 | €16,914 | €1,285 | ▼ 92.4% |
| Profit (loss) for the period before taxes9903 | €15,978 | €19,330 | €37,936 | €108,094 | ▲ 185% |
| Income taxes67/77 | €5,783 | €6,300 | €12,000 | €24,000 | ▲ 100% |
| Profit (loss) for the period9904 | €10,196 | €13,030 | €25,936 | €84,094 | ▲ 224% |
| Profit (loss) for the period to be appropriated9905 | €10,196 | €13,030 | €25,936 | €84,094 | ▲ 224% |
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €252,844 | €421,651 | €149,785 | €231,955 | ▲ 54.9% |
| Fixed assets21/28 | €4,228 | €3,526 | €8,330 | €11,488 | ▲ 37.9% |
| Tangible fixed assets22/27 | €4,228 | €3,526 | €8,330 | €11,488 | ▲ 37.9% |
| Plant, machinery and equipment23 | - | €984 | €984 | €1,763 | ▲ 79.1% |
| Furniture and vehicles24 | - | €2,542 | €7,346 | €9,725 | ▲ 32.4% |
| Current assets29/58 | €248,616 | €418,125 | €141,455 | €220,467 | ▲ 55.9% |
| Stocks and contracts in progress3 | €2,584 | - | - | - | - |
| Amounts receivable within one year40/41 | €221,462 | €286,539 | €113,833 | €168,967 | ▲ 48.4% |
| Trade receivables40 | - | €258,247 | €64,682 | €85,587 | ▲ 32.3% |
| Other amounts receivable41 | - | €28,291 | €49,151 | €83,380 | ▲ 69.6% |
| Cash at bank and in hand54/58 | €2,346 | €131,586 | €27,622 | €51,500 | ▲ 86.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €252,844 | €421,651 | €149,785 | €231,955 | ▲ 54.9% |
| Equity10/15 | €30,196 | €43,225 | €69,162 | €153,255 | ▲ 122% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | €10,196 | €23,225 | €49,162 | €133,255 | ▲ 171% |
| Amounts payable17/49 | €222,649 | €378,426 | €80,624 | €78,699 | ▼ 2.4% |
| Amounts payable within one year42/48 | €222,649 | €378,426 | €80,624 | €78,699 | ▼ 2.4% |
| Trade debts44 | €212,144 | €361,724 | €35,559 | €42,699 | ▲ 20.1% |
| Suppliers440/4 | - | €361,724 | €35,559 | €42,699 | ▲ 20.1% |
| Advances received on contracts in progress46 | - | - | €33,064 | - | - |
| Taxes, remuneration and social security45 | - | €16,701 | €12,000 | €36,000 | ▲ 200% |
| Taxes450/3 | - | €16,701 | €12,000 | €36,000 | ▲ 200% |
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,196 | €13,030 | €25,936 | €84,094 | ▲ 224% |
| + Depreciation and write-downs630 | €436 | €702 | €94 | €2,350 | ▲ 2,401% |
| Operating cash flow (approximation) | €10,632 | €13,732 | €26,030 | €86,444 | ▲ 232% |
| Investment in fixed assets (approximation) | - | €0 | -€4,898 | -€5,507 | ▼ 12.4% |
| Change in cash | - | €129,241 | -€103,964 | €23,877 | ▲ 123% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
RENOBELT
BE 0835.835.835
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ALUGLAS
BE 0447.849.295
Hasselt · Eq €153,275
VANHOUCKE FRANKY
BE 0473.615.465
Oostende · Eq €153,334
BAST
BE 0669.530.028
Hamme (Vl.) · Eq €153,169
TRAPPEN RENIER
BE 0564.724.991
Wervik · Eq €153,369
Of 20,017 companies in this sector we hold annual accounts for 9,142. 7,616 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
Directors
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | PIERRE THIRY Place Du Haut-Pre 10, 4000 Liege 1 |
01-08-2025 → present |
Timeline
7 eventsLatest 08-08-2025
History
Acts, filings and financial milestones
2025
08-08
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Liège · event 01-08-2025
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 333 days late
2023
31-12
Financial
Highest result since 2020net €84,094 ▲224%
Operating result €109,378, net result €84,094, both a record.
31-12
Financial
Equity above €150,000Eq €153,255 ▲122%
4 profitable years in a row build equity to €153,255.
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 54 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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Company details
Private limited company · founded 28-02-2020Year ends 31-12Peppol not found1 site
Register details
Identification
Legal formPrivate limited company
Founded28-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Liège · 1 establishment unit since 2020
Ground area
114 m²
Building footprint
102 m²
Volume, LiDAR
1,034 m³
Parcel 62805D0049/00K000, Wallonia · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
STEIN HOUSE
since 2020unit no. 2.303.624.789
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62805D0049/00K000 | Wallonia | 114 m² | 1 · 101 m² | 12.0 m · 3 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.
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?Process a list How is the Joinery installation sector doing?Sector figures
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