Active BE 0474.868.646Public limited company

STEMA CAR

Rue de Gozée 388 ·6110 Montigny-le-Tilleul, Belgium· 25 yrs active

Sector: NACE 95316 (95316)

Conclusion Checked

The computed 12-month bankruptcy probability of STEMA CAR is 0.3% (very low). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Key figures

Active	25 yrs
Board	3
Locations	1
Publications	4

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

Long track record −Lower-risk legal form −Lower-failure-rate sector −

Statistical estimate based on public sources — not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

Long-established

Founded in 2001 — 25 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Financial overview10 NBB filings

Financials being processed

NBB has 10 filing(s) on record for this company — latest fiscal year 2024 (volledig). The annual accounts are being processed.

Filings on record

Fiscal year	Type	Filed	Reference
31-12-2024	volledig	30-12-2025	2025-00592130
31-12-2023	volledig	09-11-2024	2024-00532016
31-12-2022	volledig	30-12-2023	2023-00540095
31-12-2021	volledig	13-11-2022	2022-20519104
31-12-2020	volledig	28-12-2021	2021-82000050
31-12-2019	volledig	30-11-2020	2020-74400003
31-12-2018	volledig	27-10-2019	2019-71600006
31-12-2017	volledig	30-09-2018	2018-67300511
31-12-2016	volledig	31-08-2017	2017-54500265
31-12-2015	volledig	31-08-2016	2016-57900261

Directors & mandates 6 directors

Current directors & mandates

De Spiegeleer, Stephanie Dominique Jeanne
Managing director
State Gazette act 26026325 (23-02-2026)

Current
25-01-2026 → present
Berkhoff Garcia, Maria Dolores
Director
State Gazette act 26026325 (23-02-2026)

Current
28-09-2020 → present
2 events
- 25-01-2026 Appointed· Director
- 28-09-2020 Appointed· Director
De Spiegeleer, Stephanie
Managing director
State Gazette act 19095411 (16-07-2019)

Current
08-06-2019 → present

Former directors (3)

Eddy Descamps
Director
State Gazette act 19095411 (16-07-2019)

Former
08-06-2019 → 08-06-2019
2 events
- 08-06-2019 Resigned· Director
- 08-06-2019 Appointed· Director
Berkhoff y Garcia, Juan
Managing director
State Gazette act 19095411 (16-07-2019)

Former
— → 07-06-2019
Tielemans, Daniel
Director
State Gazette act 19095411 (16-07-2019)

Former
— → 30-12-2015

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Legal Structure

NACE primary	95316
Legal form	Public limited company(014)
Incorporation	23-05-2001
Status	Active
Postal code	6110

Establishment units 1 location

Rue de Gozée 388, 6110 Montigny-le-Tilleul

Verhuur van schepen met bemanning

since 20012.095.151.894

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates — not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52048B0345/00V000	Wallonia	1,429 m²	—	—

Methodology

via registered seat: 1

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

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

Updates 14 events

A single timeline of everything that happened to this company — publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

23-02-2026

State Gazette act Director changes

23-02-2026

State Gazette act Director changes

v3.2

2025

30-12-2025

NBB filing Annual accounts filed

fiscal year 2024 · volledig

2024

09-11-2024

NBB filing Annual accounts filed

fiscal year 2023 · volledig

2023

30-12-2023

NBB filing Annual accounts filed

fiscal year 2022 · volledig

16-05-2023

State Gazette act Director changes

v3.2

2022

13-11-2022

NBB filing Annual accounts filed

fiscal year 2021 · volledig

2021

28-12-2021

NBB filing Annual accounts filed

fiscal year 2020 · volledig

2020

30-11-2020

NBB filing Annual accounts filed

fiscal year 2019 · volledig

2019

27-10-2019

NBB filing Annual accounts filed

fiscal year 2018 · volledig

16-07-2019

State Gazette act Director changes

v3.2

2018

30-09-2018

NBB filing Annual accounts filed

fiscal year 2017 · volledig

2017

31-08-2017

NBB filing Annual accounts filed

fiscal year 2016 · volledig

2016

31-08-2016

NBB filing Annual accounts filed

fiscal year 2015 · volledig

Belgisch Staatsblad — acts 4 acts

All acts · 4 updated 4 months ago

2026

23-02-2026 3 directors appointed Director changes

Berkhoff Garcia, Maria Dolores — Bestuurder
De Spiegeleer, Stephanie Dominique Jeanne — Gedelegeerd bestuurder
isabelle Steurbaut — Dagelijks bestuur

Original publication ↗

Technical details

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  "events": [
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      "role": "administrateur",
      "person": {
        "rrn": "NN 550928-384-91",
        "name": "Berkhoff Garcia, Maria Dolores",
        "address": "Rue des Fauvettes n\u00B028, 6110 Montigny-le-Tilleul",
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      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
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      "compensated": false,
      "effective_date": "2026-01-25",
      "evidence_quote": "La nomination prend effet le 25/01/2026. Le mandat sera exerc\u00E9 \u00E0 titre gratuit.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
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      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "administrateur_d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": "NN 761102-026-35",
        "name": "De Spiegeleer, Stephanie Dominique Jeanne",
        "address": "Rue des Waibes 74 - 6540 Lobbes",
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        "profession": null,
        "birth_place": null
      },
      "reason": null,
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      "compensated": false,
      "effective_date": "2026-01-25",
      "evidence_quote": "La nomination prend effet le 25/01/2026. Le mandat sera exerc\u00E9 \u00E0 titre gratuit.",
      "decharge_status": null,
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      "rep_rotation_new_rep": null,
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    },
    {
      "kind": "delegation_dagelijks_bestuur_in",
      "role": "dagelijks_bestuur",
      "person": {
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        "name": "isabelle Steurbaut",
        "address": null,
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        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "additional",
      "via_org": {
        "kbo": null,
        "name": "Securex",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire d\u00E9cide \u00E9galement \u00E0 l\u0027unanimit\u00E9 de donner procuration sp\u00E9ciale \u00E0 Securex par le biais d\u0027isabelle Steurbaut pour effectuer toutes formalit\u00E9s administratives utiles ou n\u00E9cessaires li\u00E9es \u00E0 ces nominations y compris le d\u00E9p\u00F4t au greffe du tribunal de l\u0027entreprise en vue",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2026-02-23",
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2026-01-25",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0474.868.646",
    "name_full": "STEMA CAR",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "Securex",
    "person_name": null,
    "org_rep_person_name": "isabelle Steurbaut",
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}

23-02-2026 2 directors appointed Director changes

Berkhoff Garcia, Maria Dolores — Bestuurder
De Spiegeleer, Stephanie Dominique Jeanne — Gedelegeerd bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Berkhoff Garcia, Maria Dolores",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2026-01-25",
      "evidence_quote": "La nomination au poste d\u0027administrateur et personne d\u00E9l\u00E9gu\u00E9e \u00E0 la gestion journali\u00E8re de Madame Berkhoff Garcia, Maria Dolores (NN 550928-384-91) domicili\u00E9e Rue des Fauvettes n\u00B028, 6110 Montigny-le- Tilleul. La nomination prend effet le 25/01/2026."
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "De Spiegeleer, Stephanie Dominique Jeanne",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2026-01-25",
      "evidence_quote": "La nomination au poste d\u0027administrateur d\u00E9l\u00E9gu\u00E9 de Madame De Spiegeleer, Stephanie Dominique Jeanne (NN 761102-026-35) domicili\u00E9e Rue des Waibes 74 - 6540 Lobbes. La nomination prend effet le 25/01/2026."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0474.868.646",
    "name_full": "STEMA CAR",
    "legal_form": "SA"
  }
}

2023

16-05-2023 1 director appointed, 1 resigning Director changes

Maria Dolores Berkhoff Garcia — Bestuurder
Eddy Descamps — Bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Maria Dolores Berkhoff Garcia",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2020-09-28",
      "evidence_quote": "1. nomination au poste d\u0027administratrice de Madame Berkhoff Garcia, Maria Dolores domicili\u00E9e Rue des Fauvettes n\u00B028 6110 Montigny- le -Tilleul. La nomination prend effet au 28/09/2020."
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Eddy Descamps",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-06-08",
      "evidence_quote": "2. d\u00E9mission de Monsieur Eddy Descamps domicili\u00E9 rue des D\u00E9port\u00E9s n\u00B023 A 7160 Chapelle -lez- Heriaimont de son poste d\u0027adm\u00EDnistrateur. La d\u00E9mission prend effet \u00E0 partir du 08/06/2019."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0474.868.646",
    "name_full": "STEMA CAR",
    "legal_form": "SA"
  }
}

2019

16-07-2019 2 directors appointed, 2 resigning Director changes

De Spiegeleer, Stephanie — Gedelegeerd bestuurder
Descamps, Eddy — Bestuurder
Tielemans, Daniel — Bestuurder
Berkhoff y Garcia, Juan — Gedelegeerd bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Tielemans, Daniel",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-12-30",
      "evidence_quote": "Avec prise de cours au 30 d\u00E9cembre 2015, il a \u00E9t\u00E9 mis fin au mandat d\u0027administrateur de Monsieur Tielemans, Daniel, habitant \u00E0 2220, chemin du Haut Gras \u00E0 07140 LES VANS en France, avec num\u00E9ro de registre national 520519-051-21"
    },
    {
      "kind": "director_out",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Berkhoff y Garcia, Juan",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-06-07",
      "evidence_quote": "Avec prise de cours au 07/06/2019, il a \u00E9t\u00E9 mis fin au mandat d\u0027administrateur d\u00E9l\u00E9gu\u00E9 de Monsieur Berkhoff y Garcia, Juan, habitant \u00E0 Rue de Namur(ST) Num\u00E9ro 10 \u00E0 6182, Courcelles, avec num\u00E9ro de registre national 600713-057-86"
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "De Spiegeleer, Stephanie",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-06-08",
      "evidence_quote": "Avec prise cours au 08/06/2019 doit \u00EAtre nomm\u00E9e administrateur d\u00E9l\u00E9gu\u00E9 de la soci\u00E9t\u00E9 pour une p\u00E9riode de six ann\u00E9es Madame De Spiegeleer, Stephanie, habitant \u00E0 Rue des Waibes Num\u00E9ro 74 \u00E0 6540, Lobbes avec num\u00E9ro de registre national 761102-026-35."
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Descamps, Eddy",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-06-08",
      "evidence_quote": "Avec Prise de cours au 08/06/2019, est nomm\u00E9 comme administrateur de la soci\u00E9t\u00E9 pour une dur\u00E9e de six ans Monsieur Descamps, Eddy, habitant \u00E0 Rue des Waibes Num\u00E9ro 74 \u00E0 6540, Lobbes, avec num\u00E9ro de registre national 700217-305-87."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0474.868.646",
    "name_full": "STEMA CAR",
    "legal_form": "SA"
  }
}

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Company registry (CBE) Crossroads Bank

Activities

Wassen en poetsen van motorvoertuigen45206Onderhoud en reparatie van auto's50200Wassen en poetsen van motorvoertuigen95316

Primary activity highlighted.

Names & trade names

Legal nameFR

STEMA CAR

Registered office

Rue de Gozée 388

6110 Montigny-le-Tilleul, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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