STEVAK
ActiveSTEVAK has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €28k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 33% of 7318 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
88
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+22
Solvency64▼-33
Growth58=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 2.24 in 2024), but 72.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
27.3%
Return on assets
16.4%
Age of the figures
14 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-02-2026, 23 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
23 d late
2024
4 d early
2023
1 d early
2022
1 d early
2021
3 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 34.6%
2024 · €71k
2019: €77k
2020: €87k
2021: €22k
2022: €73k
2023: €60k
2024: €71k
2019 → 2025
Total assets
€171k▲ 36.0%
2024 · €126k
2019: €255k
2020: €212k
2021: €236k
2022: €117k
2023: €123k
2024: €126k
2019 → 2025
Net result
€28k▲ 151%
2024 · €11k
2019: €-54k
2020: €9k
2021: €-64k
2022: €50k
2023: €13k
2024: €11k
2019 → 2025
Working capital
€72k▲ 13.0%
2024 · €64k
2019: €-16k
2020: €156k
2021: €122k
2022: €76k
2023: €59k
2024: €64k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€73k▲ 225%€60k▼ 17.4%€71k▲ 18.5%€47k▼ 34.6%
Operating result€-60k-€59k€14k▼ 75.3%€12k▼ 14.0%€39k▲ 214%
Net result€-64k-€50k€13k▼ 74.4%€11k▼ 13.8%€28k▲ 151%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 214% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€32k▲ 214%
Current assets
€139k▲ 20.4%
Equity and liabilities €171k
Equity
€47k▼ 34.6%
Debt
€124k▲ 128%
The debt ratio rises from 43.3% to 72.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€54k▲
2024 · €24k
Cash flow
€43k▲
2024 · €22k
Solvency
27.3%▼
2024 · 56.7%
Current ratio
2.08▼
2024 · 2.24
Quick ratio
2.08▼
2024 · 2.09
Debt / equity
2.67▲
2024 · 0.76
ROE
60.0%▲
2024 · 15.6%
ROA
16.4%▲
2024 · 8.9%
Interest coverage
15.94▼
2024 · 18.55
Debt
€124k▲
2024 · €54k
Debt ≤ 1 year
€67k▲
2024 · €52k
Debt > 1 year
€57k▲
2024 · €3k
Income taxes
€8k▲
2024 · €263
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€126k€171k▲
Fixed assets21/28€10k€32k▲
Tangible fixed assets22/27€10k€32k▲
Land and buildings22€1k€1k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€6k€28k▲
Current assets29/58€116k€139k▲
Stocks and contracts in progress3€8k-
Contracts in progress37€8k-
Amounts receivable within one year40/41€27k€13k▼
Trade receivables40€23k€13k▼
Other amounts receivable41€4k-
Cash at bank and in hand54/58€79k€126k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€126k€171k▲
Equity10/15€71k€47k▼
Contributions10/11€19k€19k=
Reserves13€86k€33k▼
Distributable reserves133€86k€33k▼
Profit (loss) carried forward14€-33k€-5k▲
Amounts payable17/49€54k€124k▲
Amounts payable after more than one year17€3k€57k▲
Financial debts170/4€3k€57k▲
Amounts payable within one year42/48€52k€67k▲
Current portion of amounts payable after more than one year42€5k€22k▲
Trade debts44€29k€27k▼
Suppliers440/4€29k€27k▼
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€8k€7k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€8k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€15k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€27k€58k▲
Operating profit (loss)9901€12k€39k▲
Financial income75/76B€221€205▼
Recurring financial income75€221€205▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€11k€36k▲
Income taxes67/77€263€8k▲
Profit (loss) for the period9904€11k€28k▲
Profit (loss) for the period to be appropriated9905€11k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-5k▲
Profit (loss) brought forward from the previous period14P€-44k€-33k▲
Transfer from equity791/2-€53k
Profit to be distributed694/7-€53k
Return on contributions (dividend)694-€53k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-64k ▼779%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-06
Financial
Liquidity times 9current ratio 7.62
Current ratio from 0.81 to 7.62; short-term debt falls from €84k to €24k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Haaltert · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Dekkersveld(HE) 69450 HaaltertGround area
3,661 m²
Building footprint
187 m²
Volume, LiDAR
953 m³
Parcel 41025B0144/00C000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEVAK
since 20102.185.438.407
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41025B0144/00C000 | Flanders | 3,661 m² | 1 · 187 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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JIA REL CONSTRUCT
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WONINGBOUW FILIP VAN VOOREN
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 12,877 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2010
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
46130Agents in the wholesale of timber and building materials
46190Agents in non-specialised wholesale trade
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.