Stevali
ActiveSummary
The computed 12-month bankruptcy probability of Stevali is 3.0% (moderate). The 2024 annual accounts show equity of €36k and a net result of €2k. Its solvency ranks better than 24% of 36375 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability49▼-40
Solvency47▲+5
Growth52
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.21 against 1.42 in 2023; short-term debt: 65.5% of total assets), and 77.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
22.3%
Return on assets
1.2%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 36375 sector peers (2024).
NBB · sector comparisonPosition among 36375 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
255 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€36k▲ 5.8%
2023 · €34k
2023: €34k
2024: €36k▲ +5.8% vs 2023
2023 → 2024
Total assets
€161k▼ 19.4%
2023 · €200k
2023: €200k
2024: €161k▼ -19.4% vs 2023
2023 → 2024
Net result
€2k▼ 93.9%
2023 · €32k
2023: €32k
2024: €2k▼ -93.9% vs 2023
2023 → 2024
Working capital
€23k▼ 61.5%
2023 · €59k
2023: €59k
2024: €23k▼ -61.5% vs 2023
2023 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€34k-€36k▲ 5.8%
2023: €34k
2024: €36k▲ +5.8% vs 2023
Operating result€42k-€8k▼ 80.2%
2023: €42k
2024: €8k▼ -80.2% vs 2023
Net result€32k-€2k▼ 93.9%
2023: €32k
2024: €2k▼ -93.9% vs 2023
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 2024; 2024 is 80% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €161k
Fixed assets
€33k ▲ 891%
Current assets
€128k ▼ 34.8%
Equity and liabilities €161k
Equity
€36k ▲ 5.8%
Debt
€125k ▼ 24.5%
Debt's share of the balance-sheet total falls from 83.0% to 77.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▼
2023 · €42k
Cash flow
€11k▼
2023 · €32k
Current ratio
1.21▼
2023 · 1.42
Debt to equity
3.48▼
2023 · 4.87
ROE
5.5%▼
2023 · 94.1%
ROA
1.2%▼
2023 · 16.0%
Interest coverage
3.42▼
2023 · 17.89
Debt ≤ 1 year
€106k▼
2023 · €138k
Debt > 1 year
€20k▼
2023 · €28k
Income taxes
€1k▼
2023 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€200k€161k▼
Fixed assets21/28€3k€33k▲
Tangible fixed assets22/27€3k€33k▲
Land and buildings22€2k€14k▲
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24-€17k
Current assets29/58€197k€128k▼
Amounts receivable within one year40/41€197k€127k▼
Trade receivables40€146k€40k▼
Other amounts receivable41€51k€87k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€200k€161k▼
Equity10/15€34k€36k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€32k€34k▲
Amounts payable17/49€166k€125k▼
Amounts payable after more than one year17€28k€20k▼
Financial debts170/4€28k€20k▼
Amounts payable within one year42/48€138k€106k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Financial debts43€19k€3k▼
Credit institutions430/8€19k€3k▼
Trade debts44€97k€77k▼
Suppliers440/4€97k€77k▼
Advances received on contracts in progress46-€111
Taxes, remuneration and social security45€14k€17k▲
Taxes450/3€14k€17k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€335€9k▲
Other operating charges640/8€500€1k▲
Gross operating margin9900€43k€19k▼
Operating profit (loss)9901€42k€8k▼
Financial income75/76B€1k€0▼
Recurring financial income75€1k€0▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€41k€3k▼
Income taxes67/77€9k€1k▼
Profit (loss) for the period9904€32k€2k▼
Profit (loss) for the period to be appropriated9905€32k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€34k▲
Profit (loss) brought forward from the previous period14P-€32k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €335 | €9k | ▲ 2,728% |
| Other operating charges640/8 | €500 | €1k | ▲ 159% |
| Gross operating margin9900 | €43k | €19k | ▼ 55.4% |
| Operating profit (loss)9901 | €42k | €8k | ▼ 80.2% |
| Financial income75/76B | €1k | €0 | ▼ 100.0% |
| Recurring financial income75 | €1k | €0 | ▼ 100.0% |
| Financial charges65/66B | €2k | €5k | ▲ 120% |
| Recurring financial charges65 | €2k | €5k | ▲ 120% |
| Profit (loss) for the period before taxes9903 | €41k | €3k | ▼ 92.5% |
| Income taxes67/77 | €9k | €1k | ▼ 87.3% |
| Profit (loss) for the period9904 | €32k | €2k | ▼ 93.9% |
| Profit (loss) for the period to be appropriated9905 | €32k | €2k | ▼ 93.9% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €200k | €161k | ▼ 19.4% |
| Fixed assets21/28 | €3k | €33k | ▲ 891% |
| Tangible fixed assets22/27 | €3k | €33k | ▲ 891% |
| Land and buildings22 | €2k | €14k | ▲ 609% |
| Plant, machinery and equipment23 | €1k | €3k | ▲ 88.0% |
| Furniture and vehicles24 | - | €17k | - |
| Current assets29/58 | €197k | €128k | ▼ 34.8% |
| Amounts receivable within one year40/41 | €197k | €127k | ▼ 35.4% |
| Trade receivables40 | €146k | €40k | ▼ 72.6% |
| Other amounts receivable41 | €51k | €87k | ▲ 72.3% |
| Deferred charges and accrued income490/1 | - | €1k | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €200k | €161k | ▼ 19.4% |
| Equity10/15 | €34k | €36k | ▲ 5.8% |
| Contributions10/11 | €2k | €2k | = |
| Profit (loss) carried forward14 | €32k | €34k | ▲ 6.1% |
| Amounts payable17/49 | €166k | €125k | ▼ 24.5% |
| Amounts payable after more than one year17 | €28k | €20k | ▼ 29.8% |
| Financial debts170/4 | €28k | €20k | ▼ 29.8% |
| Amounts payable within one year42/48 | €138k | €106k | ▼ 23.5% |
| Current portion of amounts payable after more than one year42 | €8k | €8k | ▲ 5.3% |
| Financial debts43 | €19k | €3k | ▼ 85.1% |
| Credit institutions430/8 | €19k | €3k | ▼ 85.1% |
| Trade debts44 | €97k | €77k | ▼ 20.6% |
| Suppliers440/4 | €97k | €77k | ▼ 20.6% |
| Advances received on contracts in progress46 | - | €111 | - |
| Taxes, remuneration and social security45 | €14k | €17k | ▲ 25.2% |
| Taxes450/3 | €14k | €17k | ▲ 25.2% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €32k | €2k | ▼ 93.9% |
| + Depreciation and write-downs630 | €335 | €9k | ▲ 2,728% |
| Operating cash flow (approximation) | €32k | €11k | ▼ 64.7% |
| Investment in fixed assets (approximation) | - | €-39k | - |
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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 255 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Erpe-Mere · 1 establishment unit since 2023
Ground area
1,898 m²
Building footprint
118 m²
Volume, LiDAR
824 m³
Parcel 41040A0317/00G000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stevali
since 20232.344.828.609
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41040A0317/00G000 | Flanders | 1,898 m² | 1 · 118 m² | 10.2 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 22,815 companies in sector 43211 we hold annual accounts for 10,325. 8,217 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
Founded15-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
18130Pre-press and pre-media services
23610Manufacture of other non-metallic mineral products
25530Machining of metals
43130Specialised construction activities
43222Installation of electric heating, air conditioning, cooling and ventilation
Scores and ratios are computed by Checked and are not a credit decision.