Equity
€1.3m ▲ 19.2%
STEJO has made a profit in every financial year since 2012.
STEJO
Lifetime
14 annual accounts with figures on one time axispeak €380,789 (2025)
€380,789▲ 28.2%
peak €211,368 (2025)
€211,368▲ 27.7%
peak €1.3m (2025)
€1.3m▲ 19.2%
€453,713▲ 3.0%
peak 0 FTE (2017)
-not published
Board2 names since 2011
-
Documentsfilings and deeds
25-08-202625 days late
2025abbreviated format
Gross margin from €296,916 to €380,789Result from €165,537 to €211,368Equity from €1.1m to €1.3mInvestments €158,390
Key points
from the 2025 annual accountsTurnover
≈ €930,000 estimated
The abbreviated format states no turnover.
Investments
€123,390 3.3 × depreciation
Green is investment, beige is depreciation. Machinery stands 185.6% higher than in 2024.
Liquidity
7.63 was 12.23 in 2024
Short-term debts rose from €65,522 to €118,678.
Filings
14 annual accounts since 2012
Ten of the last ten came late. The 2019 accounts came latest: 52 days after the end of the period.
Position in the sector
€211,368
Higher net result than 87% of companies in real estate. Sector median €9,988 · 11,288 companies.
Checked score
98
Excellent
Financially stronger than 83% of micro companies in real estate (NACE 68)
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: 0.2% across 26,626 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025
09-2025: < 0.1%▼ -0.1 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%▲ +0.1 percentage points vs 07-2026highest value
09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 7.63, cash €677,010
Size: total assets €1.8m
Figures for financial year 2025 (filed on 26-08-2026)
Equity €1.3m (74.3% 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 68, micro). It does better than 81% of them on solvency, 95% on liquidity, 81% on profitability and 75% 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, 17,811 companies had the same profile as STEJO has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of STEJO itself: < 0.1% within 12 months.
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 17,811 companies, not a prediction for STEJO. 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 €120,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.63 (12.23 in 2024), above the usual 1.5. Short-term debt is 6.7% and cash 38.3% of total assets. 25.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
25 days late
2024
29 days late
2023
30 days late
2022
24 days late
2021
30 days late
2020
23 days late
2019
52 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 30 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 29 August (5 of the last 5 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
Recent changes
New establishment in Izegem
Mispelstraat 2
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0838600731
Environmental permit granted
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Brugge
Changes of role: StevenDECUYPER (director) and JokePLATTEEUW (director)
Director discharge: StevenDECUYPER · Director discharge: JokePLATTEEUW · General meeting of 27-09-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEJO Izegem | €1.8m | €380,789 | 74.3% | - |
| Foulon Invest Roeselare | €2.1m | €457,083 | 65.0% | - |
| MAX IMMO Wavre | €1.7m | €384,926 | 28.2% | - |
| Devos Bevernage Bernhard Orthopedisch Chirurg Sint-Martens-Latem | €1.5m | €426,502 | 38.9% | - |
| IMMO WOON ! Jabbeke | €1.1m | €391,830 | 39.2% | 2.9 |
| IMMO PHICON Harelbeke | €1.2m | €261,216 | 44.6% | - |
| DYNASOLID Menen | €1.8m | €231,884 | 24.7% | 1 |
These companies have the same main activity as STEJO: property management for co-owned buildings (syndics) (NACE 68321). They are comparable in size and age: total assets between €1.1m and €2.1m, founded between 2009 and 2014.
Official details
Source: KBO- Status
- Active since 13-07-2011Normal situation
- Activity
- Property management for co-owned buildings (syndics)NACE 68321and 5 others
- Establishment units
- 2.203.540.9818870 Izegem, since 13-07-2011
- 2.392.891.3178870 Izegem, since 18-08-2026
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2026
Insights on STEJO
STEJO files the abbreviated format. That format states no turnover. The gross margin rose from €67,664 in 2012 to €380,789 in 2025.
The balance sheet grew most from 2017 to 2019 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STEJO
- What is the company number of STEJO?
- The company number of STEJO is 0838.600.731. The VAT number is the same number with BE in front: BE 0838.600.731.
- Where is STEJO based?
- The registered office is at Baronielaan 26, 8870 Izegem.Company details
- What does STEJO do?
- According to the KBO register, the main activity is property management for co-owned buildings (syndics) (NACE 68321).
- What is the legal form of STEJO?
- STEJO is a private limited company (BV).
- When was STEJO founded?
- STEJO was founded on 13-07-2011.
- Is STEJO still active?
- Yes, STEJO is an active enterprise in the KBO register.
- What is the turnover of STEJO?
- The turnover in financial year 2025 is ≈ €930,000. This figure is estimated from the gross margin of €380,789 and 30 comparable companies (NACE 683). It probably lies between €650,000 and €1.2m.Financials
- Is STEJO profitable?
- In financial year 2025, STEJO made a profit of €211,368.
- Where can I find the annual accounts of STEJO?
- STEJO filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEJO due?
- STEJO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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