SteMax
ActiveSummary
SteMax has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103,872 and a net result of €102,872. Its solvency ranks better than 74% of 9,643 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Equity
- €103,872
- Profit
- €102,872
Why 98raises risk1 change of registered office in 24 monthsFounded in 2024lowers riskLiquidity: current ratio 3.94, cash €128,571Sector: Office administrative, office support and other business support activities (NACE 82)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 82, micro): better than 75% on solvency, 85% on liquidity and 87% on profitability.
The bankruptcy probability was computed on 30-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Searched, nothing found (1)
- Registered officeRegistered-office move · Director in…
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: WILLEMS Stef Norbert (director)…
Financials · financial year 2025, micro format
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.9% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 39,278 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.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €232 |
| Gross operating margin9900 | €130,729 |
| Operating profit (loss)9901 | €130,497 |
| Financial charges65/66B | €0 |
| Recurring financial charges65 | €0 |
| Profit (loss) for the period before taxes9903 | €130,497 |
| Income taxes67/77 | €27,625 |
| Profit (loss) for the period9904 | €102,872 |
| Profit (loss) for the period to be appropriated9905 | €102,872 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €138,788 | |
| Formation expenses20 | €1,142 | |
| Current assets29/58 | €137,646 | |
| Amounts receivable within one year40/41 | €9,075 | |
| Trade receivables40 | €9,075 | |
| Cash at bank and in hand54/58 | €128,571 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €138,788 | |
| Equity10/15 | €103,872 | |
| Contributions10/11 | €1,000 | |
| Reserves13 | €102,872 | |
| Distributable reserves133 | €102,872 | |
| Amounts payable17/49 | €34,916 | |
| Amounts payable within one year42/48 | €34,916 | |
| Trade debts44 | €226 | |
| Suppliers440/4 | €226 | |
| Taxes, remuneration and social security45 | €34,690 | |
| Taxes450/3 | €33,008 | |
| Remuneration and social security454/9 | €1,682 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €102,872 |
| + Depreciation and write-downs630 | €232 |
| Operating cash flow (approximation) | €103,103 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | micro format | 09-01-2026 | 2026-00008356 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| WILLEMS Stef Norbert |
|
Owners and capital
Capital and shareholders
- WILLEMS Stef Norbert 100 shares (100%) · €1,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 05-09-2024 Incorporation · €1,000 · 100 shares
Group and network
Connections & network
1 current directorThe board mandates are listed below; here you explore them as a network.
Board mandates elsewhere
1 board mandateHistory
Acts, filings and financial milestones
21-10
Gazette deed
Registered officeRegistered-office move · Director in office3 facts ▸
- Board meeting, 15-01-2026
- Registered-office move, Mussenstraat 7,9070 Destelbergen
- Director in office, Stef Willems (sole director)
05-09
Gazette deed
IncorporationAppointment: WILLEMS Stef Norbert (director) · Registered office clause · Board rule10 facts ▸
- Other provision, “overgangs-en slotbepalingen, comparanten eenparig” (deed in Dutch)
- Registered office clause, “9070 Destelbergen,Berkendries 8 A” (deed in Dutch)
- Board rule, 1
- Director appointment, WILLEMS Stef Norbert (director)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en handelingen door oprichter in naam en voor rekening vennootschap in oprichting” (deed in Dutch)
- Power of attorney, Bernard Van Steenberge
- Incorporation, 28-08-2024
- Founder, WILLEMS Stef Norbert
- Founding capital, €1,000
- Shareholding, 100
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44028B0328/00K000 | Flanders | 567 m² | 1 · 93 m² | 10.1 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Advies- en/of dienstverlening aan bedrijven, privépersonen en instellingen in de ruimste zin van het woord, voornamelijk doch niet…” (deed in Dutch)
9 activities (deed in Dutch)
- Advies- en/of dienstverlening aan bedrijven, privépersonen en instellingen in de ruimste zin van het woord, voornamelijk doch niet uitsluitend op het vlak van, management, marketing, productie en ontwikkeling, processing en het besturen van vennootschappen, dit alles in de meest ruime betekenis
- Het geven van advies inzake de organisatie en het beheer van ondernemingen
- De ontwikkeling, productie, realisatie, implementatie en uitgifte van software en software gerelateerde producten, waaronder programma's en gebruiksklare systemen, alsook het onderhoud ervan en alle mogelijke advies- en/of dienstverlening hiermee verwant
- Het opvolgen van de markt rond nieuwe technologieën, de ontwikkeling, realisatie en uitbouw van deze nieuwe technologieën alsook alle mogelijke advies- en/of dienstverlening hiermee verwant
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten, zoals de aan- en verkoop, de bouw, de verbouwing, de binnenhuisinrichting en decoratie, de huur en verhuur, de ruil, de verkaveling, en in het algemeen, alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken, van onroerende goederen of onroerende zakelijke rechten, met inbegrip van het geheel of gedeeltelijk ter beschikking stellen, al dan niet tegen betaling, van een onroerend goed aan haar bestuurders, bedrijfsleiders en werknemers in het kader van een verloningspolitiek
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend vermogen
- Het beleggen, het intekenen op, vast overnemen, plaatsen, kopen, verkopen en verhandelen van aandelen, deelbewijzen, obligaties, warrants, certificaten, schuldvorderingen, gelden en andere roerende waarden, uitgegeven door Belgische of buitenlandse ondernemingen al dan niet onder de vorm van handelsvennootschappen, administratiekantoren, instellingen en verenigingen al dan niet met een (semi-) publiekrechtelijk statuut
- Het beheren van beleggingen en van participaties in dochtervennootschappen, het waarnemen van bestuurdersfuncties, directie, controle of vereffening, het verlenen van advies, management en andere diensten. Deze diensten kunnen worden geleverd krachtens contractuele of statutaire benoemingen en in de hoedanigheid van externe raadgever of orgaan
- Het verstrekken van leningen en voorschotten onder eender welke vorm of duur, aan al dan niet verbonden ondernemingen, alsmede het waarborgen van verbintenissen van derden. De activiteiten van ‘vermogensbeheer’ zijn activiteiten andere dan deze bedoeld door de Wet van 25 oktober 2016 betreffende de toegang tot het beleggingsdienstenbedrijf en betreffende het statuut van en het toezicht op de vennootschappen voor vermogensbeheer en beleggingsadvies
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- SteMax
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “§2. Externe vertegenwoordiging Behoudens andersluidende bepalingen vertegenwoordigt iedere bestuurder afzonderlijk, ook wanneer er meerdere…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, natuurlijke personen of rechtspersonen, al dan niet aandeelhouder” (deed in Dutch)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of December at 20:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, algemene vergadering” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Bij ontbinding om welke reden en op welk ogenblik ook behoudens ontbinding en vereffening in één akte, algemene vergadering mag één of…” (deed in Dutch)