STEPHANE CONSTRUCTIONS
ActiveSummary
STEPHANE CONSTRUCTIONS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €137,337 and a net result of €9,248. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 7524 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-24
Solvency100▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 4.96 against 4.59 in 2024; short-term debt: 18.7% and cash: 72% of total assets), and 18.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81.3%
Return on assets
5.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-03-2026, 123 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
123 d early
2024
99 d early
2023
37 d early
2022
6 d early
2021
9 d late
2020
39 d early
2019
52 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 50 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€137,337▲ 1.3%
2024 · €135,588
Total assets
€168,947▼ 8.5%
2024 · €184,729
Net result
€9,248▼ 89.1%
2024 · €84,968
Working capital
€124,847▼ 1.3%
2024 · €126,494
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,747▲ 64.1%€432▼ 98.0%-€6,854€100,742€16,398▼ 83.7%
Net result€15,068▲ 94.7%-€2,245-€17,849▼ 695%€84,968€9,248▼ 89.1%
Equity€97,400▲ 18.3%€95,155▼ 2.3%€77,306▼ 18.8%€135,588▲ 75.4%€137,337▲ 1.3%
Total assets€163,254▲ 33.1%€144,574▼ 11.4%€128,567▼ 11.1%€184,729▲ 43.7%€168,947▼ 8.5%
Debt€65,854▲ 63.4%€49,419▼ 25.0%€51,260▲ 3.7%€49,141▼ 4.1%€31,611▼ 35.7%
Working capital€64,972▲ 2.4%€77,387▲ 19.1%€63,102▼ 18.5%€126,494▲ 100%€124,847▼ 1.3%
Staff (FTE)11=1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 84% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168,947
Fixed assets
€12,580 ▼ 45.4%
Current assets
€156,367 ▼ 3.3%
Equity and liabilities €168,947
Equity
€137,337 ▲ 1.3%
Debt
€31,611 ▼ 35.7%
Debt's share of the balance-sheet total falls from 26.6% to 18.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33,670▼
2024 · €116,469
Cash flow
€26,521▼
2024 · €100,696
Current ratio
4.96▲
2024 · 4.59
Debt to equity
0.23▼
2024 · 0.36
ROE
6.7%▼
2024 · 62.7%
ROA
5.5%▼
2024 · 46.0%
Interest coverage
50.70▼
2024 · 139.79
Debt ≤ 1 year
€31,520▼
2024 · €35,209
Income taxes
€6,941▼
2024 · €16,325
Staff costs
€61,268▲
2024 · €60,835
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €47,865 | €55,361 | €60,835 | €61,268 | ▲ 0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,065 | €23,914 | €15,758 | €15,728 | €17,272 | ▲ 9.8% |
| Other operating charges640/8 | €8,480 | €1,811 | €896 | €923 | €3,014 | ▲ 227% |
| Gross operating margin9900 | €48,292 | €74,022 | €65,160 | €178,227 | €97,952 | ▼ 45.0% |
| Operating profit (loss)9901 | €21,747 | €432 | -€6,854 | €100,742 | €16,398 | ▼ 83.7% |
| Financial income75/76B | €217 | €722 | €147 | €1,384 | €455 | ▼ 67.1% |
| Recurring financial income75 | €217 | €722 | €147 | €1,384 | €455 | ▼ 67.1% |
| Financial charges65/66B | €285 | €902 | €907 | €833 | €664 | ▼ 20.3% |
| Recurring financial charges65 | €285 | €902 | €907 | €833 | €664 | ▼ 20.3% |
| Profit (loss) for the period before taxes9903 | €21,679 | €252 | -€7,614 | €101,293 | €16,189 | ▼ 84.0% |
| Income taxes67/77 | €6,611 | €2,497 | €10,234 | €16,325 | €6,941 | ▼ 57.5% |
| Profit (loss) for the period9904 | €15,068 | -€2,245 | -€17,849 | €84,968 | €9,248 | ▼ 89.1% |
| Profit (loss) for the period to be appropriated9905 | €15,068 | -€2,245 | -€17,849 | €84,968 | €9,248 | ▼ 89.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €163,254 | €144,574 | €128,567 | €184,729 | €168,947 | ▼ 8.5% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €71,438 | €48,493 | €36,531 | €23,025 | €12,580 | ▼ 45.4% |
| Tangible fixed assets22/27 | €71,278 | €48,333 | €36,371 | €22,865 | €12,420 | ▼ 45.7% |
| Plant, machinery and equipment23 | €4,798 | €3,399 | €2,883 | €3,466 | €6,371 | ▲ 83.8% |
| Furniture and vehicles24 | €10,011 | €1,260 | €2,608 | €1,313 | €756 | ▼ 42.4% |
| Leasing and similar rights25 | €56,469 | €43,675 | €30,881 | €18,087 | €5,293 | ▼ 70.7% |
| Financial fixed assets28 | €160 | €160 | €160 | €160 | €160 | = |
| Current assets29/58 | €91,816 | €96,081 | €92,036 | €161,703 | €156,367 | ▼ 3.3% |
| Amounts receivable within one year40/41 | €26,827 | €27,198 | €30,605 | €18,496 | €26,404 | ▲ 42.8% |
| Trade receivables40 | €4,000 | €2,000 | €17,994 | €2,717 | €6,781 | ▲ 150% |
| Other amounts receivable41 | €22,827 | €25,198 | €12,610 | €15,780 | €19,623 | ▲ 24.4% |
| Cash at bank and in hand54/58 | €60,928 | €62,750 | €53,829 | €135,460 | €121,562 | ▼ 10.3% |
| Deferred charges and accrued income490/1 | €4,060 | €6,133 | €7,602 | €7,747 | €8,401 | ▲ 8.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €163,254 | €144,574 | €128,567 | €184,729 | €168,947 | ▼ 8.5% |
| Equity10/15 | €97,400 | €95,155 | €77,306 | €135,588 | €137,337 | ▲ 1.3% |
| Contributions10/11 | €6,200 | - | - | - | - | - |
| Reserves13 | €16,860 | €23,060 | €23,060 | €23,060 | €24,560 | ▲ 6.5% |
| Non-distributable reserves130/1 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Distributable reserves133 | €15,000 | €23,060 | €23,060 | €23,060 | €24,560 | ▲ 6.5% |
| Profit (loss) carried forward14 | €74,340 | €72,095 | €54,246 | €112,528 | €112,777 | ▲ 0.2% |
| Amounts payable17/49 | €65,854 | €49,419 | €51,260 | €49,141 | €31,611 | ▼ 35.7% |
| Amounts payable after more than one year17 | €39,011 | €30,725 | €22,327 | €13,815 | - | - |
| Financial debts170/4 | €39,011 | €30,725 | €22,327 | €13,815 | - | - |
| Amounts payable within one year42/48 | €26,843 | €18,694 | €28,934 | €35,209 | €31,520 | ▼ 10.5% |
| Current portion of amounts payable after more than one year42 | €8,176 | €8,286 | €8,398 | €7,710 | €13,005 | ▲ 68.7% |
| Trade debts44 | €2,789 | €2,119 | €1,796 | €2,551 | €5,352 | ▲ 110% |
| Suppliers440/4 | €2,789 | €2,119 | €1,796 | €2,551 | €5,352 | ▲ 110% |
| Taxes, remuneration and social security45 | €5,892 | €8,289 | €18,740 | €14,948 | €6,000 | ▼ 59.9% |
| Taxes450/3 | €5,892 | - | €15,733 | €9,965 | €375 | ▼ 96.2% |
| Remuneration and social security454/9 | - | €8,289 | €3,007 | €4,983 | €5,625 | ▲ 12.9% |
| Other amounts payable47/48 | €9,986 | - | - | €10,000 | €7,163 | ▼ 28.4% |
| Accrued charges and deferred income492/3 | - | - | - | €116 | €90 | ▼ 22.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,068 | -€2,245 | -€17,849 | €84,968 | €9,248 | ▼ 89.1% |
| + Depreciation and write-downs630 | €18,065 | €23,914 | €15,758 | €15,728 | €17,272 | ▲ 9.8% |
| Operating cash flow (approximation) | €33,133 | €21,670 | -€2,091 | €100,696 | €26,521 | ▼ 73.7% |
| Investment in fixed assets (approximation) | - | -€969 | -€3,796 | -€2,222 | -€6,827 | ▼ 207% |
| Change in cash | - | €1,822 | -€8,921 | €81,631 | -€13,898 | ▼ 117% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €84,968
Net result €84,968 after 2 loss-making years.
31-12
Financial
Equity above €100,000Eq €135,588 ▲75.4%
Equity rises from €77,306 to €135,588.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€17,849
Net result drops to -€17,849, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100,000Eq €104,594 ▲118%
2 profitable years in a row build equity to €104,594.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are 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, Chaumont-Gistoux · 1 establishment unit since 2017
Ground area
1,756 m²
Building footprint
175 m²
Volume, LiDAR
865 m³
Parcel 25025C0059/00F005, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chemin des Glaneurs,Dion-V. 17, 1325 Chaumont-Gistoux
since 20172.263.368.801
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25025C0059/00F005 | Wallonia | 1,756 m² | 1 · 175 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,037. 12,775 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.