STELEO

Active

Private limited companyfounded 20205 yrs activeDe Beemdekens 26, 2980 Zoersel, BelgiumKBO/BCE: BE 0758.821.496

The computed 12-month bankruptcy probability of STELEO is 3.4% (moderate). The 2025 annual accounts show negative equity (€-13k) and a net result of €-16k. Equity is shrinking by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 7% of 27619 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

24 / 100

Critical

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability18▼-42

Solvency8▼-20

Growth32▼-46

Track record94

Bankruptcy probability, 12 months

3.4% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.27 against 0.65 in 2024; short-term debt: 42.4% and cash: 0.2% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

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 2025

Solvency, return and age of the figures

Solvency

-17.4%

Return on assets

-22.1%

Age of the figures

9 mo

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

2122232425

2021 to 2025 · latest year €-13k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

4 d early

2024

58 d early

2023

34 d early

2022

38 d early

2021

30 d early

← before the deadline after the deadline →

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 months

Position in the running window

19-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€-13k

2024 · €3k

2021: €2k 2022: €4k 2023: €4k 2024: €3k

2021 → 2025

Total assets

€73k▼ 32.4%

2024 · €107k

2021: €57k 2022: €48k 2023: €39k 2024: €107k

2021 → 2025

Net result

€-16k▼ 4,276%

2024 · €-366

2021: €-617 2022: €1k 2023: €15 2024: €-366

2021 → 2025

Working capital

€-23k▼ 77.0%

2024 · €-13k

2021: €-11k 2022: €-6k 2023: €-15k 2024: €-13k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€2k-€4k▲ 59.1%€4k▲ 0.4%€3k▼ 9.6%€-13k

Operating result€3k-€4k▲ 41.8%€5k▲ 4.7%€4k▼ 8.8%€-14k

Net result€-617-€1k€15▼ 98.9%€-366€-16k▼ 4,276%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €14k after €4k in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €73k

88.7%

11%

Fixed assets €64k▼ 23.2%

Current assets €8k▼ 65.0%

Key figures and ratios

2025 value · change against 2024

EBITDA

€8k▼

2024 · €21k

Cash flow

€5k▼

2024 · €16k

Solvency

-17.4%▼

2024 · 3.2%

Current ratio

0.27▼

2024 · 0.65

Quick ratio

0.27▼

2024 · 0.65

Debt / equity

-6.76▼

2024 · 30.21

ROA

-22.1%▼

2024 · -0.3%

Interest coverage

2.14▼

2024 · 5.02

Debt

€85k▼

2024 · €104k

Debt ≤ 1 year

€31k▼

2024 · €36k

Debt > 1 year

€54k▼

2024 · €68k

Income taxes

€103▼

2024 · €848

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€107k€73k▼

Fixed assets21/28€84k€64k▼

Intangible fixed assets21€912€2k▲

Tangible fixed assets22/27€83k€62k▼

Land and buildings22€30k€27k▼

Plant, machinery and equipment23€9k€710▼

Furniture and vehicles24€39k€31k▼

Other tangible fixed assets26€5k€4k▼

Current assets29/58€24k€8k▼

Amounts receivable within one year40/41€23k€8k▼

Trade receivables40€4k€4k▲

Other amounts receivable41€19k€4k▼

Cash at bank and in hand54/58€672€164▼

Equity and liabilities

Total equity and liabilities10/49€107k€73k▼

Equity10/15€3k€-13k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€439€-16k▼

Amounts payable17/49€104k€85k▼

Amounts payable after more than one year17€68k€54k▼

Financial debts170/4€68k€54k▼

Amounts payable within one year42/48€36k€31k▼

Current portion of amounts payable after more than one year42€22k€19k▼

Trade debts44€7k€6k▼

Suppliers440/4€7k€6k▼

Taxes, remuneration and social security45€7k€6k▼

Taxes450/3€4k€6k▲

Remuneration and social security454/9€3k€0▼

Income statement Code20242025

Non-recurring operating income76A€33k€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€21k▲

Other operating charges640/8€2k€745▼

Non-recurring operating charges66A€3k€0▼

Gross operating margin9900€26k€9k▼

Operating profit (loss)9901€4k€-14k▼

Financial income75/76B€465€1k▲

Recurring financial income75€465€1k▲

Financial charges65/66B€4k€4k▼

Recurring financial charges65€4k€4k▼

Profit (loss) for the period before taxes9903€482€-16k▼

Income taxes67/77€848€103▼

Profit (loss) for the period9904€-366€-16k▼

Profit (loss) for the period to be appropriated9905€-366€-16k▼

Appropriation of the result

Profit (loss) to be appropriated9906€439€-16k▼

Profit (loss) brought forward from the previous period14P€805€439▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-16k

Net result drops to €-16k, the lowest in the series.

03-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

27-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

23-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €1k

Net result €1k after one loss-making year.

01-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Zoersel · 1 establishment unit since 2020

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

De Beemdekens 262980 Zoersel

Ground area

1,805 m²

Building footprint

147 m²

Volume, LiDAR

662 m³

Parcel 11055B0065/00A000, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

STELEO

De Beemdekens 26, 2980 ZoerselManufacture of other builders' carpentry and joinery

since 20202.310.102.114

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11055B0065/00A000	Flanders	1,805 m²	1 · 147 m²	8.0 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

QUALITY BOUWCONSTRUCT

BE 0758.445.671

Maasmechelen · Eq €3k

ASFALTROOF

BE 0848.180.965

Deinze · Eq €3k

Of 11,139 companies in sector 43910 we hold annual accounts for 5,486. 1,417 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded27-11-2020

Fiscal year end31-12

Activities, NACEBEL

43910Bricklaying and masonry work

43994Specialised construction activities

41001General construction of residential buildings

43120Site preparation

43310Plastering work

43990Other specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.