Equity
€30,512 ▲ 30.0%
Steurs Construct has made a profit in every financial year since 2023.
Steurs Construct
Overview
Lifetime
3 annual accounts with figures on one time axispeak €72,400 (2025)
€72,400▲ 243%
peak €12,417 (2024)
€7,036▼ 43.3%
peak €30,512 (2025)
€30,512▲ 30.0%
€156,037▲ 516%
peak 0.8 FTE (2025)
0.8 FTE
Board1 name since 2023
1 directorSTEURS Yannick
Documentsfilings and deeds
23-07-20268 days before the deadline
2025abbreviated format
Gross margin from €21,124 to €72,400Result from €12,417 to €7,036Equity from €23,476 to €30,512Debts from €25,317 to €156,037Investments €97,218Cash from €19,633 to €29,639
Key points
from the 2025 annual accountsTurnover
≈ €190,000 estimated
The accounts state no turnover.
Debts
€156,037 84% of the balance sheet
Financial debts 51%Suppliers 20%Taxes and wages 6%Other 23%
Of this, €76,478 falls due within a year.
Investments
€97,218 5.3 × depreciation
Green is investment, beige is depreciation. Machinery stands 424.9% higher than in 2024.
Filings
3 annual accounts 1 late
The 2023 accounts came 31 days late. The other two were filed on time.
Starting capital
€5,000 100 shares
Checked score
69
Healthy
Financially stronger than 59% of micro companies in real estate (NACE 68)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.4%▲ +0.1 percentage points vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.3%▼ -0.1 percentage points vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.2%▼ -0.1 percentage points vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026lowest value
03-2026: 0.3%▲ +0.1 percentage points vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.8%▲ +0.5 percentage points vs 07-2026highest value
09-2026: 0.7%▼ -0.1 percentage points vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2023
1 of the last 3 accounts late
Size: 0.8 FTE, total assets €186,549
lowers risk
Sector: Real estate activities (NACE 68)
Calculation
The band follows from the bankruptcy probability. 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 68, micro). It does better than 37% of them on solvency, 53% on liquidity, 67% on profitability and 80% on growth.
The bankruptcy probability was computed on 07-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,542 companies had the same profile as Steurs Construct has now. Each dot stands for 7 companies, two years later.
95.0%
were still trading
1.2%
stopped another way
3.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Steurs Construct itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,542 companies, not a prediction for Steurs Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.16 (1.17 in 2024), below the usual 1.5. Short-term debt is 41% and cash 15.9% of total assets. 83.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
8 days early
2024
9 days early
2023
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 5 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 July (3 of the last 3 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- STEURS Yannick founderdeed of 28-04-2023
- VAN LOOVEREN Katrien founderdeed of 28-04-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0801199412
Incorporation
Founding capital of €5,000, 100 shares · Founders: STEURS Yannick and VAN LOOVEREN Katrien · Appointment: STEURS Yannick (director) · published on 28-04-2023 · Gazette deed
First establishment
Gierlebaan 113, Kasterlee
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Steurs Construct Kasterlee | €186,549 | €72,400 | 16.4% | 0.8 |
| BOUWONER Bruges | €146,663 | €74,630 | 12.4% | 0.7 |
| STABUTECH ENGINEERING Heist-op-den-Berg | €273,824 | €69,400 | -2.0% | 1.8 |
| TYHR Consultant Waterloo | €92,759 | €84,092 | 29.3% | 1.1 |
| FONDERS Jabbeke | €129,902 | €109,683 | 39.3% | 1.1 |
| AD Buildings Hamme (Vl.) | €365,185 | €67,325 | 13.8% | 0.6 |
| OPTIMUS VASTGOED Heusden-Zolder | €354,469 | €78,333 | 17.2% | 1 |
These companies have the same main activity as Steurs Construct: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €92,800 and €365,000, founded between 2021 and 2024.
Official details
Source: KBO- Status
- Active since 26-04-2023Normal situation
- Activity
- Development of residential building projectsNACE 68121and 1 other
- Joint committee
- 124Construction · annual accounts 2025
- Establishment unit
- 2.344.908.3852460 Kasterlee, since 26-04-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €72,400▲ 243%
- €7,036▼ 43.3%
- €30,512▲ 30.0%
- €186,549▲ 282%
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 23-07-2026, 8 days before the end of the filing period
Insights on Steurs Construct
Steurs Construct files the abbreviated format. That format states no turnover. The gross margin rose from €9,377 in 2023 to €72,400 in 2025.
The balance sheet grew most from 2024 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 23-07-2026, 8 days before the deadline€72,400
▲ 243%
€10,847
▼ 31.7%
€7,036
▼ 43.3%
€12,024
▲ 184%
16.4%
▼ 31.8 percentage points
1.16
▼ 0.01
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €190,000. Estimated: probably between €98,000 and €450,000.
Balance sheet
balance sheet total €186,549 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
16.4%
Higher than 35% of 11,299 companies in 2025.
1.16
Higher than 51% of 10,851 companies in 2025.
3.8%
Higher than 69% of 11,184 companies in 2025.
Steurs Construct
Middle half of the sector
80% of the sector
Abbreviated accounts in real estate (NACE 68)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half · Staff: middle half
Staff
€52,988
Staff costs divided by the average number of full-time equivalents.
+1 person
people who joined
people who left
In 2025, 4 people joined and 3 left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
186,549 | 48,793 | 35,941 | |
21/28 |
98,047 | 19,242 | 14,236 | |
22/27 |
98,047 | 19,242 | 14,236 | |
23 |
42,323 | 8,063 | 6,751 | |
24 |
55,724 | 11,179 | 7,485 | |
29/58 |
88,502 | 29,552 | 21,705 | |
40/41 |
49,074 | 9,569 | 7,753 | |
40 |
48,346 | 7,796 | 6,649 | |
41 |
728 | 1,773 | 1,104 | |
54/58 |
29,639 | 19,633 | 13,952 | |
490/1 |
9,788 | 350 | - | |
| Balance sheet: equity and liabilities | ||||
10/49 |
186,549 | 48,793 | 35,941 | |
10/15 |
30,512 | 23,476 | 11,059 | |
10/11 |
5,000 | 5,000 | 5,000 | |
13 |
18,476 | 6,059 | 6,059 | |
133 |
18,476 | 6,059 | 6,059 | |
14 |
7,036 | 12,417 | - | |
17/49 |
156,037 | 25,317 | 24,881 | |
17 |
79,560 | - | - | |
170/4 |
79,560 | - | - | |
42/48 |
76,478 | 25,317 | 24,239 | |
42 |
13,047 | - | - | |
44 |
31,267 | 2,522 | 29 | |
440/4 |
31,267 | 2,522 | 29 | |
45 |
9,432 | 3,225 | 1,667 | |
450/3 |
6,085 | 3,225 | 1,667 | |
454/9 |
3,347 | - | - | |
47/48 |
22,732 | 19,571 | 22,542 | |
492/3 |
- | - | 642 | |
| Income statement | ||||
9900 |
72,400 | 21,124 | 9,377 | |
62 |
42,391 | - | - | |
630 |
18,413 | 4,961 | 1,173 | |
640/8 |
749 | 292 | 171 | |
9901 |
10,847 | 15,872 | 8,034 | |
75/76B |
320 | 21 | 249 | |
75 |
320 | 21 | 249 | |
65/66B |
2,507 | 252 | 644 | |
65 |
2,507 | 252 | 644 | |
9903 |
8,661 | 15,641 | 7,639 | |
67/77 |
1,625 | 3,225 | 1,580 | |
9904 |
7,036 | 12,417 | 6,059 | |
9905 |
7,036 | 12,417 | 6,059 | |
| Appropriation of the result | ||||
9906 |
19,452 | 12,417 | 6,059 | |
14P |
12,417 | - | - | |
691/2 |
12,417 | - | 6,059 | |
6921 |
12,417 | - | 6,059 | |
| Social balance sheet | ||||
9087 |
0.8 | - | - | |
Hours worked1013 |
1,136 | - | - | |
| Document | ||||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 23-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankSubsidies and aid
Flemish government 2023, 1 entry, €211 awarded, €211 paid
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 29,261 | 20,832 | 9,206 | ||
| 25,449 | 17,377 | 7,232 | ||
| 97,218 | 9,967 | 15,409 | ||
| 10,007 | 5,680 | - | ||
| 12,024 | 4,234 | -2,534 | ||
| 16.4% | 48.1% | 30.8% | ||
| 1.16 | 1.17 | 0.90 | ||
| 5.11 | 1.08 | 2.25 | ||
| 23.1% | 52.9% | 54.8% | ||
| 3.8% | 25.4% | 16.9% | ||
| 11.67 | 82.83 | 14.30 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 1 |
| full-time | 1 |
| in full-time equivalents | 1 |
| 0.8 | |
| On a permanent contract | 1 |
| Joined | 4 |
| Left | 3 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €97,218 | €9,967 | €15,409 |
| €18,413 | €4,961 | €1,173 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on Steurs Construct
The operating result for 2025 is 32% lower than in 2024.
Debt's share of the balance-sheet total rises from 51.9% to 83.6%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 26-04-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 23-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 28-04-2023
Mandates through the years
1 name, the dashed line is todaySTEURS Yannick
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- STEURS Yannick
- Director (not named in the articles), from 24-04-2023 to date
Control
Founders
This company
Steurs Construct
Equity €30,512
Profit €7,036 in 2025
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €305 in 2025
- Source
- deed of 28-04-2023
Articles of association
deed of 28-04-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Geheel van bevoegdheden aan hem toegekend met mogelijkheid deel te delegeren, iedere bestuurder individueel alle besluiten en handelingen…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00
Founders
At incorporation
deed of 28-04-2023 ↗
- STEURS Yannick founder
- VAN LOOVEREN Katrien founder
Network & group
No group
Steurs Construct has no parent and no holdings in its annual accounts. STEURS Yannick is the only director. Steurs Construct shares no director with another company.
At the same address
Gierlebaan 113, 2460 Kasterlee · 2 other companies| Julieu
registered office since 10-06-2026 |
founded in 2026 1038.872.968 |
| Van Looveren, Katrien (sole trader)
establishment since 24-04-2023 |
founded in 2023 0638.964.536 |
Timeline
Timeline
7 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:0801199412
Annual accounts 2025 filed NBBabbreviated format · 8 days before the deadline
2025
Annual accounts 2024 filed PDFabbreviated format · 9 days before the deadline
2024
Highest result from 2023 to 2025 net €12,417 ▲105% The operating result of €15,872 and the net result of €12,417 are both a record.
Annual accounts 2023 filed PDFmicro format · 31 days late
2023
IncorporationFounding capital of €5,000, 100 shares · Founders: STEURS Yannick and VAN LOOVEREN Katrien · Appointment: STEURS Yannick (director) · published on 28-04-20234 points ▸
- Founder, STEURS Yannick
- Founder, VAN LOOVEREN Katrien
- Founding capital, €5,000, 100 shares
- Director appointment, STEURS Yannick (director (not named in the articles))
First establishment Gierlebaan 113, Kasterlee
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Steurs Construct was incorporated on 26 April 2023 as a private limited company by two natural persons, with a starting capital of €5,000.12 Since 2023, STEURS Yannick has served as director.3 Total assets rose from €35,941 in 2023 to €186,549 in 2025.4
Company details
Identity
- Enterprise number
- 0801.199.412
- VAT number
- BE 0801.199.412
- Peppol ID
- 0208:0801199412
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 26-04-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00deed of 28-04-2023 (in Dutch)
- Peppol
- Reachable since 21-10-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Steurs Construct in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 28-04-2023 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- Steurs Constructdeed of 28-04-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Gierlebaan 113, 2460 Kasterlee”deed of 28-04-2023 (in Dutch)
Activities
NACEBEL 2025VAT activities
68121
Development of residential building projects main activity
Social security (RSZ) activities
41001
General construction of residential buildings main activity
Joint committees annual accounts 2025
JC 124
Construction
Codes under NACEBEL 2008
41101
Real estate development main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Bouw van funderingen, inclusief heien; Het vlechten van ijzer en aanbrengen van bekisting; Het buigen van staal; Grondwerken; meer bepaald…”deed of 28-04-2023 (in Dutch)
30 activities
- Bouw van funderingen, inclusief heien
- Het vlechten van ijzer en aanbrengen van bekisting
- Het buigen van staal
- Grondwerken; meer bepaald het uitgraven van gronden, het dempen van (klei)putten en het effenen ervan
- Het optrekken van gebouwen (ruwbouw en onder dak zetten)
- Betonboringen
- Het bouwen, herstellen en onderhouden van wegen
- Het hakken en trekken van sleuven in gebouwen en wegen
- Algemene bouwwerkzaamheden
- Bouwen van stellingen
- Het invoegen van gevels
- Het leggen van tegelvloeren en mozaïek
- Het plaatsen van wand -en vloerbekleding
- Plafonneer, -cementeer, -en andere pleisterwerken
- Het reinigen van gevels
- Isolatiewerkzaamheden
- Het saneren, instant houden, of in zijn oorspronkelijke stat terugbrengen van gebouwen en monumenten
- Timmer -en schrijnwerk voor gebouwen
- Het bedekken van muren en zolderingen door het aanbrengen van metalen elementen
- Het optrekken van afsluitingen en omheiningen van betonplaten
- Het aanleggen van opritten
- Montage van buiten -en binnen schrijnwerk van hout, kunststof en metaal: deuren, vensters, kozijnen, trappen, muurkasten, inbouwkasten, …
- Het bouwen van schoorstenen en industriële ovens
- Optrekken van niet-zelfvervaardigde dragende staalconstructies
- Het uitvoeren van hijs- en hefwerkzaamheden voor rekening van derden
- De bouw van particuliere en openbare openluchtzwembaden
- De verhuur van kranen en andere machines en werktuigen voor de bouwnijverheid met bedieningspersoneel
- Beton op werven storten (met uitzondering van het aanmaken van het beton)
- Het uitbreken van tegels, het aanbrengen van microbeton, ook gecommercialiseerd onder de benaming microcement, beton ciré, betonstuc of microtopping
- Het plaatsen van beton gefabriceerde elementen: kolommen, balken, gewelven, panelen, TTX elementen (vloeren) & TT elementen (dak elementen), en bijhorende overige artikelen
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Gierlebaan 113 registered office 2460 Kasterlee 41001 General construction of residential buildings | 26-04-2023 | 2.344.908.385 |
Buildings and parcels at the address
- Ground area
- 1,114 m²
- Buildings
- 146 m²
- Volume, LiDAR
- 20 m³
- Tallest building
- 1.7 m
Buildings to scale, each on its own parcel
Environmental permits
1 application in Flanders since 2026 · 1 under review| 15-10-2026 | Under review | Bouwen of herbouwen; Nieuwbouw of aanleggen project 2026120545 | Heist-op-den-Berg |
Source: Omgevingsloket Vlaanderen.
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 13038C0012/00C002 | 1,114 m² | 1 · 146 m² | 1.7 m |
Contact
E-mail
yannicksteurs@gmail.com
Phone
+32 494 59 26 66
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0801.199.412