STEIN-TEAM
ActiveSummary
STEIN-TEAM has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €455,568 and a net result of €347,319. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 72% of 351 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+65
Solvency95▲+42
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 2.77 against 0.46 in 2024; short-term debt: 30% and cash: 60.2% of total assets), and 30% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70%
Return on assets
53.3%
Age of the figures
9 mo
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Manufacture of other non-metallic mineral products (NACE 23)
about 17% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
134 d early
2023
141 d early
2022
124 d early
2021
137 d early
2020
4 d early
2019
7 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 79 days before the deadline; the sector median for financial year 2024 is 11 days before the deadline, and 34% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€347,319
2024 · -€7,174
Working capital
€345,189
2024 · -€105,260
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€73,268▲ 390%€40,257▼ 45.1%€42,574▲ 5.8%€15,908▼ 62.6%€472,355▲ 2,869%
Net result€59,854▲ 1,616%€34,097▼ 43.0%€28,527▼ 16.3%-€7,174€347,319
Equity€101,754▲ 127%€132,916▲ 30.6%€158,509▲ 19.3%€148,400▼ 6.4%€455,568▲ 207%
Total assets€512,220▼ 1.1%€469,439▼ 8.4%€585,097▲ 24.6%€538,879▼ 7.9%€651,140▲ 20.8%
Debt€410,466▼ 13.2%€336,523▼ 18.0%€426,589▲ 26.8%€390,479▼ 8.5%€195,573▼ 49.9%
Working capital-€62,217▲ 25.4%-€72,674▼ 16.8%-€119,445▼ 64.4%-€105,260▲ 11.9%€345,189
Staff (FTE)1=1=1=1=0.9▼ 10.0%
Why a figure moved sharply
- 2025 Equity +207% on 2024. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,869% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €651,140
Fixed assets
€110,378 ▼ 75.4%
Current assets
€540,762 ▲ 505%
Equity and liabilities €651,140
Equity
€455,568 ▲ 207%
Debt
€195,573 ▼ 49.9%
Debt's share of the balance-sheet total falls from 72.5% to 30.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€498,557▲
2024 · €60,301
Cash flow
€373,521▲
2024 · €37,219
Current ratio
2.77▲
2024 · 0.46
Quick ratio
2.68▲
2024 · 0.30
Debt to equity
0.43▼
2024 · 2.63
ROE
76.2%▲
2024 · -4.8%
ROA
53.3%▲
2024 · -1.3%
Interest coverage
20.55▲
2024 · 2.10
Debt ≤ 1 year
€195,573▲
2024 · €194,669
Income taxes
€130,024
Staff costs
€58,929▼
2024 · €61,754
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 31,324 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €2,000 | €541,595 | ▲ 26,980% |
| Remuneration, social security and pensions62 | - | €55,984 | €59,015 | €61,754 | €58,929 | ▼ 4.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,656 | €32,562 | €42,411 | €44,393 | €26,202 | ▼ 41.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €5,824 | €150 | ▼ 97.4% |
| Other operating charges640/8 | - | €11,049 | €9,101 | €7,828 | €11,935 | ▲ 52.5% |
| Non-recurring operating charges66A | - | - | - | - | €52,646 | - |
| Gross operating margin9900 | €160,272 | €139,851 | €153,101 | €135,708 | €622,217 | ▲ 358% |
| Operating profit (loss)9901 | €73,268 | €40,257 | €42,574 | €15,908 | €472,355 | ▲ 2,869% |
| Financial income75/76B | - | €8,832 | €6,978 | €5,681 | €29,248 | ▲ 415% |
| Recurring financial income75 | €8,612 | €8,832 | €6,978 | €5,681 | €29,248 | ▲ 415% |
| Financial charges65/66B | - | €14,992 | €21,025 | €28,763 | €24,260 | ▼ 15.7% |
| Recurring financial charges65 | €22,025 | €14,992 | €21,025 | €28,763 | €24,260 | ▼ 15.7% |
| Profit (loss) for the period before taxes9903 | €59,855 | €34,097 | €28,527 | -€7,174 | €477,343 | ▲ 6,754% |
| Income taxes67/77 | €1 | - | - | - | €130,024 | - |
| Profit (loss) for the period9904 | €59,854 | €34,097 | €28,527 | -€7,174 | €347,319 | ▲ 4,941% |
| Profit (loss) for the period to be appropriated9905 | €59,854 | €34,097 | €28,527 | -€7,174 | €347,319 | ▲ 4,941% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €512,220 | €469,439 | €585,097 | €538,879 | €651,140 | ▲ 20.8% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €410,939 | €395,398 | €498,111 | €449,470 | €110,378 | ▼ 75.4% |
| Intangible fixed assets21 | - | - | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €404,746 | €389,210 | €486,714 | €442,321 | €103,030 | ▼ 76.7% |
| Land and buildings22 | - | €318,346 | €297,156 | €273,405 | - | - |
| Plant, machinery and equipment23 | - | €70,796 | €80,779 | €70,195 | €91,155 | ▲ 29.9% |
| Furniture and vehicles24 | - | €68 | €23,075 | €17,475 | €11,875 | ▼ 32.0% |
| Leasing and similar rights25 | - | - | €85,704 | €81,246 | - | - |
| Financial fixed assets28 | €6,193 | €6,188 | €11,397 | €7,149 | €7,349 | ▲ 2.8% |
| Current assets29/58 | €101,281 | €74,041 | €86,986 | €89,409 | €540,762 | ▲ 505% |
| Stocks and contracts in progress3 | €51,500 | €46,153 | €43,600 | €30,250 | €16,897 | ▼ 44.1% |
| Stocks30/36 | - | €46,153 | €43,600 | €30,250 | €16,897 | ▼ 44.1% |
| Amounts receivable within one year40/41 | €30,309 | €16,171 | €39,310 | €37,352 | €131,768 | ▲ 253% |
| Trade receivables40 | - | €16,171 | €36,490 | €37,352 | €121,792 | ▲ 226% |
| Other amounts receivable41 | - | - | €2,820 | - | €9,976 | - |
| Cash at bank and in hand54/58 | €19,329 | €11,635 | €3,807 | €19,539 | €391,890 | ▲ 1,906% |
| Deferred charges and accrued income490/1 | - | €83 | €269 | €2,268 | €207 | ▼ 90.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €512,220 | €469,439 | €585,097 | €538,879 | €651,140 | ▲ 20.8% |
| Equity10/15 | €101,754 | €132,916 | €158,509 | €148,400 | €455,568 | ▲ 207% |
| Contributions10/11 | - | €53,600 | €53,600 | €53,600 | €53,600 | = |
| Reserves13 | €14,860 | €14,860 | €14,860 | €14,860 | €349,179 | ▲ 2,250% |
| Non-distributable reserves130/1 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | €13,000 | €14,860 | €14,860 | €349,179 | ▲ 2,250% |
| Profit (loss) carried forward14 | -€1,828 | €32,269 | €60,796 | €53,622 | €52,789 | ▼ 1.6% |
| Investment grants15 | - | €32,188 | €29,253 | €26,318 | - | - |
| Amounts payable17/49 | €410,466 | €336,523 | €426,589 | €390,479 | €195,573 | ▼ 49.9% |
| Amounts payable after more than one year17 | €246,968 | €189,808 | €220,158 | €195,810 | - | - |
| Financial debts170/4 | - | €189,808 | €220,158 | €195,810 | - | - |
| Amounts payable within one year42/48 | €163,498 | €146,715 | €206,431 | €194,669 | €195,573 | ▲ 0.5% |
| Current portion of amounts payable after more than one year42 | - | €57,160 | €83,886 | €60,505 | - | - |
| Financial debts43 | - | - | €8,003 | €11,700 | - | - |
| Credit institutions430/8 | - | - | €8,003 | €11,700 | - | - |
| Trade debts44 | €35,344 | €20,635 | €29,412 | €16,416 | €139,276 | ▲ 748% |
| Suppliers440/4 | - | €20,635 | €29,412 | €16,416 | €139,276 | ▲ 748% |
| Taxes, remuneration and social security45 | - | €38,188 | €52,423 | €71,908 | €6,176 | ▼ 91.4% |
| Taxes450/3 | - | €28,661 | €44,128 | €59,078 | €6,176 | ▼ 89.5% |
| Remuneration and social security454/9 | - | €9,527 | €8,296 | €12,829 | - | - |
| Other amounts payable47/48 | - | €30,732 | €32,708 | €34,140 | €50,121 | ▲ 46.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €59,854 | €34,097 | €28,527 | -€7,174 | €347,319 | ▲ 4,941% |
| + Depreciation and write-downs630 | €29,656 | €32,562 | €42,411 | €44,393 | €26,202 | ▼ 41.0% |
| Operating cash flow (approximation) | €89,510 | €66,659 | €70,939 | €37,219 | €373,521 | ▲ 904% |
| Investment in fixed assets (approximation) | - | -€17,020 | -€145,125 | €4,248 | €312,890 | ▲ 7,265% |
| Change in cash | - | -€7,695 | -€7,828 | €15,732 | €372,351 | ▲ 2,267% |
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
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €347,319
Net result €347,319 after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 2.77
Current ratio from 0.46 to 2.77.
31-12
Financial
Equity above €200,000Eq €455,568 ▲207%
Equity rises from €148,400 to €455,568.
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Equity above €150,000Eq €158,509 ▲19.3%
5 profitable years in a row build equity to €158,509.
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
16-03
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
31-12
Financial
Equity above €100,000Eq €101,754 ▲127%
3 profitable years in a row build equity to €101,754.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 7 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €28,223
Net result €28,223 after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
14-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Kelmis · 1 establishment unit since 2005
Ground area
365 m²
Parcel 63040A0613/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Stein-Team
since 20052.146.631.873
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63040A0613/00M000 | Wallonia | 365 m² | - | - |
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.
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Of 737 companies in sector 23700 we hold annual accounts for 489. 404 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-03-2005
Fiscal year end31-12
Activities, NACEBEL 2025
23700Cutting, shaping and finishing of stone
E-invoicing
Reachable via Peppol
Peppol ID
0208:0872849352
Also
9925:BE0872849352
Registered
24-11-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.