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Stev-Services

Active
Private limited companyfounded 199135 yrs activeRue de Boussu(T) 58, 7333 Saint-Ghislain, BelgiumKBO/BCE: BE 0444.426.581
Summary

The computed 12-month bankruptcy probability of Stev-Services is 3.7% (moderate). The 2025 annual accounts show negative equity (-€2,098) and a net result of -€33,164. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 15408 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
Stev-ServicesActiveChecked score 48/100
Risk analysis ReportCompare

Overview

Activity
Event catering
NACE 56210Full-service restaurants NACE 56101Full-service restaurants NACE 56111
#1 oldest company in Saint-Ghislain, Accommodation and food service sector1 site
Size
€711,688total assets 2025
Staff
2.9 FTE
Equity
-€2,098
Loss
-€33,164
Financial health
48 Fair Checked score 2025
Bankruptcy chance 12 m
3.7%
Structure
Accounts filed 25 d late1 of 4 deeds read
Why 48- Sector Food and beverage service activities (NACE 56)- Negative equity -€2,098- 1 change of registered office in 24 months+ Size: total assets €711,688Show the evidence

Checked score

Score 2025
48 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 24% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 25-26
equity -0.3% of total assets
Liquidity 45+31
short-term debt 18.4% · cash 0.5%
Profitability 13-72
return on assets -4.7%
Bankruptcy probability, 12 months
3.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,482 companies)
Last 24 months 11-2024: 1.2% 12-2024: 1.2%● 0.0% vs 11-2024 01-2025: 1.2%▼ -1.6% vs 12-2024 02-2025: 1.2%● 0.0% vs 01-2025 03-2025: 1.2%▼ -0.5% vs 02-2025 04-2025: 1.2%▲ +0.3% vs 03-2025 05-2025: 1.2%▲ +0.6% vs 04-2025 06-2025: 1.1%▼ -3.7% vs 05-2025 07-2025: 1.5%▲ +29.7% vs 06-2025 08-2025: 2.0%▲ +33.2% vs 07-2025 09-2025: 2.3%▲ +17.9% vs 08-2025 10-2025: 1.2%▼ -48.7% vs 09-2025 11-2025: 1.2%● 0.0% vs 10-2025 12-2025: 1.2%● 0.0% vs 11-2025 01-2026: 1.2%▼ -1.6% vs 12-2025 02-2026: 1.1%▼ -2.0% vs 01-2026 03-2026: 1.1%▼ -0.5% vs 02-2026 04-2026: 1.1%▲ +0.4% vs 03-2026 05-2026: 1.1%▲ +0.6% vs 04-2026 06-2026: 1.1%▼ -4.0% vs 05-2026lowest value 07-2026: 3.1%▲ +178% vs 06-2026 08-2026: 3.7%▲ +19.8% vs 07-2026 09-2026: 3.7%▲ +0.7% vs 08-2026highest value 10-2026: 3.7%● 0.0% vs 09-2026highest value
  • Sector Food and beverage service activities (NACE 56) raises the probability
  • Negative equity -€2,098 raises the probability
  • 1 change of registered office in 24 months raises the probability
  • Size: total assets €711,688 lowers the probability for this profile
No credit on open account
Liquidity short (current ratio 0.14 against 1.12 in 2024; short-term debt: 18.4% and cash: 0.5% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 26%, liquidity 41%, profitability 22%, growth against the median 7%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Food and beverage service activities (NACE 56)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Negative equity -€2,098
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Size: total assets €711,688
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€2,098
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
25 d late
2024
40 d late
2023
30 d late
2022
18 d late
2021
71 d late
2020
37 d early
2019
156 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 1 day before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Registered office · PurposePurpose change · Registered-office move…
  3. Weakest financial yearnet -€33,164

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€2,098 View
  • Caution: Among the weakest 8% on net resultsector median €4,933 · 15,387 companies -€33,164 View
  • Active since 1991founded 14-06-1991 35 years View

By topic

Financials

Fiscal year
2025
Total assets
€711,688
Loss
-€33,164
Solvency
-0.3%
Total assets▲ 505%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 25-08-2026Annual accounts filed
  2. 22-06-2026Registered office · Purpose
  3. 31-12-2025Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Event cateringNACE 56210
Founded
14-06-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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