Active BE 0638.926.033Private limited companyOpen bankruptcy

STEPH CONSTRUCT & FILS

Place A. Bastien (G.) 13 ·7011 Mons, Belgium· 10 yrs active

Sector: Algemene bouw van andere niet-residentiële gebouwen (41003)

Conclusion Checked

A bankruptcy procedure is open for STEPH CONSTRUCT & FILS according to publications in the Belgian State Gazette. The 2022 annual accounts show negative equity (€-14k) and a net result of €16k.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€-14k
Net result	€16k
Staff (FTE)	1
Active	10 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

18 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0

Profitability 0

Solvency 33

Growth 58

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

50 / 100

High riskRegister: open bankruptcy

This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.

Components

· Open bankruptcy (+50)

Trust signals 2 signals

Register: open bankruptcy

The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2022 · computed

0 / 100 Critical

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2022 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Financial overview7 NBB filings

Annual accounts filed on 31-08-2023 with the NBB · fiscal year 2022 · micro

Operating resultNet result

EBITDA

€-47k

-133.8% 18-22

Net profit

€16k

- 18-22

Cash flow

€-50k

- 18-22

Total assets

€7k

-14.3% 18-22

Equity

€-14k

+54.1% 18-22

Working capital

€-14k

+54.1% 18-22

Employees (FTE)

1

-63.0% 18-22

Staff costs

€22k

-80.1% 18-22

Income taxes

€110

-98.4% 18-22

Debt

€21k

-45.3% 18-22

Debt ≤ 1y

€21k

-45.3% 18-22

Current ratio

0.35

+56.7% 18-22

Quick ratio

0.35

+56.7% 18-22

Solvency

-189.4%

+46.4% 18-22

Debt / equity

-1.53

-19.1% 18-22

ROE

-117.7%

- 18-22

ROA

223.0%

- 18-22

Interest coverage

-19.02

- 18-22

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2022
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€16k
Cash flow	-
Staff costs	€22k
Income taxes	-
Dividends	-
Total assets	€7k
Equity	€-14k
Debt	€21k
of which ≤ 1y	€21k
of which > 1y	-
Working capital	€-14k
Employees (FTE)	1.0

Ratios (computed)

	2022
Current ratio	0.35
Quick ratio	0.35
Working capital ratio	-189.4%
Solvency	-189.4%
Debt / equity	-1.53
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	223.0%
ROE	-117.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€7k
Current assets	29/58	€7k
Amounts receivable within one year	40/41	€7k
Cash & bank	54/58	€508
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€7k
Equity	10/15	€-14k
Contributions / capital	10/11	€12k
Accumulated profits (losses)	14	€-26k
Amounts payable	17/49	€21k
Amounts payable within one year	42/48	€21k
Trade debts payable within one year	44	€14k
Income statement
Gross operating margin	9900	€42k
Operating result	9901	€17k
Financial income	75	€0
Financial charges	65	€1k
Result before taxes	9903	€16k
Net result for the period	9904	€16k
Result to be appropriated	9905	€16k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	BERNARD POPYN RUE DE LA GRANDE TRIPERIE, 15, 7000 MONS- . Date provisoire de cessation de paiement : 13/05/2024 ↔ Also on 58 other cases	13-05-2024 → present	Belgian State Gazette

Legal Structure

NACE primary	Algemene bouw van andere niet-residentiële gebouwen(41003)
Legal form	Private limited company(610)
Incorporation	28-09-2015
Status	Active
Postal code	7011
First BS signal	22-05-2024
Latest BS signal	22-05-2024

Establishment units 1 location

STEPH CONSTRUCT & FILS

Place A. Bastien (G.) 13, 7011 MonsAlgemene bouw van andere niet-residentiële gebouwen

since 20152.248.687.949

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.
53030B0154/00T006	Wallonia	167 m²	1 · 37 m²	10.6 m · 3 fl.

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 8 events

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

2024

22-05-2024

Bankruptcy Opening

Tribunal de l’entreprise du Hainaut, division Mons · STEPH CONSTRUCT & FILS SRL PLACE A. BASTIEN 13, 7011 GHLIN · event 13-05-2024

2023

31-08-2023