Steve Construct

Active

Private limited companyfounded 20233 yrs activeRue du Warichet (WA) 10, 4280 Hannut, BelgiumKBO/BCE: BE 0803.420.811

Summary

The computed 12-month bankruptcy probability of Steve Construct is 2.6% (moderate). The 2025 annual accounts show equity of €88k and a net result of €19k. Its solvency ranks better than 59% of 27965 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysis Watch Report Compare

Steve ConstructActiveChecked score 71/100

Risk analysis Report Compare

Checked score

Score 2025

71 / 100

Healthy

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability84▼-16

Solvency80▲+23

Growth52

Track record94

Bankruptcy probability, 12 months

2.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity ample (current ratio 1.81 against 1.24 in 2024; short-term debt: 44.2% and cash: 76.4% of total assets), and 44.5% 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.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

55.5%

Return on assets

12%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filings

Deviation from the deadline

2025

31 d late

2024

29 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

25-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€88k▲ 27.6%

2024 · €69k

2024: €69k 2025: €88k▲ +27.6% vs 2024

2024 → 2025

Total assets

€158k▼ 25.5%

2024 · €212k

2024: €212k 2025: €158k▼ -25.5% vs 2024

2024 → 2025

Net result

€19k▼ 70.3%

2024 · €64k

2024: €64k 2025: €19k▼ -70.3% vs 2024

2024 → 2025

Working capital

€56k▲ 65.9%

2024 · €34k

2024: €34k 2025: €56k▲ +65.9% vs 2024

2024 → 2025

Trend over the years

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€69k-€88k▲ 27.6% 2024: €69k 2025: €88k▲ +27.6% vs 2024

Operating result€82k-€25k▼ 69.2% 2024: €82k 2025: €25k▼ -69.2% vs 2024

Net result€64k-€19k▼ 70.3% 2024: €64k 2025: €19k▼ -70.3% vs 2024

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 69% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €158k

20.1%

79.9%

Fixed assets €32k ▼ 9.7%

Current assets €126k ▼ 28.6%

Equity and liabilities €158k

55.5%

44.5%

Equity €88k ▲ 27.6%

Debt €70k ▼ 50.9%

Debt's share of the balance-sheet total falls from 67.6% to 44.5%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€33k▼

2024 · €94k

Cash flow

€27k▼

2024 · €75k

Current ratio

1.81▲

2024 · 1.24

Debt to equity

0.80▼

2024 · 2.09

ROE

21.6%▼

2024 · 92.7%

ROA

12.0%▼

2024 · 30.1%

Interest coverage

85.34▼

2024 · 98.48

Debt ≤ 1 year

€70k▼

2024 · €143k

Income taxes

€6k▼

2024 · €18k

Staff costs

€28k▼

2024 · €53k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

As filed By statement

Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines

Balance sheet Code20242025

Assets

Total assets20/58€212k€158k▼

Fixed assets21/28€35k€32k▼

Intangible fixed assets21€21k€19k▼

Tangible fixed assets22/27€14k€13k▼

Plant, machinery and equipment23€11k€11k▲

Furniture and vehicles24€2k€2k▼

Financial fixed assets28€205€205=

Current assets29/58€177k€126k▼

Amounts receivable within one year40/41€35k€2k▼

Trade receivables40€28k€2k▼

Other amounts receivable41€7k€230▼

Cash at bank and in hand54/58€138k€121k▼

Deferred charges and accrued income490/1€3k€4k▲

Equity and liabilities

Total equity and liabilities10/49€212k€158k▼

Equity10/15€69k€88k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€64k€83k▲

Amounts payable17/49€143k€70k▼

Amounts payable within one year42/48€143k€70k▼

Trade debts44€71k€10k▼

Suppliers440/4€71k€10k▼

Taxes, remuneration and social security45€23k€13k▼

Taxes450/3€18k€10k▼

Remuneration and social security454/9€5k€4k▼

Other amounts payable47/48€49k€47k▼

Accrued charges and deferred income492/3€500€500=

Income statement Code20242025

Remuneration, social security and pensions62€53k€28k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€8k▼

Other operating charges640/8€974€564▼

Gross operating margin9900€148k€62k▼

Operating profit (loss)9901€82k€25k▼

Financial income75/76B€414€178▼

Recurring financial income75€414€178▼

Financial charges65/66B€955€392▼

Recurring financial charges65€955€392▼

Profit (loss) for the period before taxes9903€82k€25k▼

Income taxes67/77€18k€6k▼

Profit (loss) for the period9904€64k€19k▼

Profit (loss) for the period to be appropriated9905€64k€19k▼

Appropriation of the result

Profit (loss) to be appropriated9906€64k€83k▲

Profit (loss) brought forward from the previous period14P-€64k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement

Income statement Balance sheet Cash flow

Line	2024	2025	Change
Remuneration, social security and pensions62	€53k	€28k	▼ 47.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€12k	€8k	▼ 31.3%
Other operating charges640/8	€974	€564	▼ 42.1%
Gross operating margin9900	€148k	€62k	▼ 58.2%
Operating profit (loss)9901	€82k	€25k	▼ 69.2%
Financial income75/76B	€414	€178	▼ 56.9%
Recurring financial income75	€414	€178	▼ 56.9%
Financial charges65/66B	€955	€392	▼ 59.0%
Recurring financial charges65	€955	€392	▼ 59.0%
Profit (loss) for the period before taxes9903	€82k	€25k	▼ 69.3%
Income taxes67/77	€18k	€6k	▼ 65.7%
Profit (loss) for the period9904	€64k	€19k	▼ 70.3%
Profit (loss) for the period to be appropriated9905	€64k	€19k	▼ 70.3%

Line	2024	2025	Change
Assets
Total assets20/58	€212k	€158k	▼ 25.5%
Fixed assets21/28	€35k	€32k	▼ 9.7%
Intangible fixed assets21	€21k	€19k	▼ 11.8%
Tangible fixed assets22/27	€14k	€13k	▼ 6.7%
Plant, machinery and equipment23	€11k	€11k	▲ 0.2%
Furniture and vehicles24	€2k	€2k	▼ 38.7%
Financial fixed assets28	€205	€205	=
Current assets29/58	€177k	€126k	▼ 28.6%
Amounts receivable within one year40/41	€35k	€2k	▼ 94.6%
Trade receivables40	€28k	€2k	▼ 94.1%
Other amounts receivable41	€7k	€230	▼ 96.7%
Cash at bank and in hand54/58	€138k	€121k	▼ 12.8%
Deferred charges and accrued income490/1	€3k	€4k	▲ 18.6%
Equity and liabilities
Total equity and liabilities10/49	€212k	€158k	▼ 25.5%
Equity10/15	€69k	€88k	▲ 27.6%
Contributions10/11	€5k	€5k	=
Profit (loss) carried forward14	€64k	€83k	▲ 29.7%
Amounts payable17/49	€143k	€70k	▼ 50.9%
Amounts payable within one year42/48	€143k	€70k	▼ 51.1%
Trade debts44	€71k	€10k	▼ 85.9%
Suppliers440/4	€71k	€10k	▼ 85.9%
Taxes, remuneration and social security45	€23k	€13k	▼ 43.0%
Taxes450/3	€18k	€10k	▼ 45.7%
Remuneration and social security454/9	€5k	€4k	▼ 33.7%
Other amounts payable47/48	€49k	€47k	▼ 4.2%
Accrued charges and deferred income492/3	€500	€500	=

Line	2024	2025	Change
Profit (loss) for the period9904	€64k	€19k	▼ 70.3%
+ Depreciation and write-downs630	€12k	€8k	▼ 31.3%
Operating cash flow (approximation)	€75k	€27k	▼ 64.2%
Investment in fixed assets (approximation)	-	€-5k	-
Change in cash	-	€-18k	-

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

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

NBB filing

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

1 act for this company is 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, Hannut · 1 establishment unit since 2023

seat establishment The establishment unit on the map

Ground area

1,066 m²

Building footprint

138 m²

Parcel 64432A0310/00K002, Wallonia. Linked by address, not a title deed.

1 establishment unit

Steve Construct

Rue du Warichet (WA) 10, 4280 HannutRepair and maintenance of electrical equipment

since 20232.346.665.075

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
64432A0310/00K002	Wallonia	1,065 m²	1 · 138 m²	-

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.

Similar companies · same sector, comparable size

NRG MAN

BE 0690.742.839

Beveren-Kruibeke-Zwijndrecht · Eq €87,648

GEERT DE RIJCKE

BE 0871.115.428

Sint-Gillis-Waas · Eq €87,518

FRED ELECTRIQUE

BE 0838.896.382

Mouscron · Eq €87,733

SVF Tech

BE 1013.905.366

Tongeren-Borgloon · Eq €87,491

JOLIET - ALGEMENE ELEKTRICITEITSWERKEN

BE 1006.040.646

Deinze · Eq €87,741

Of 22,815 companies in sector 43211 we hold annual accounts for 10,325. 8,807 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

Founded30-06-2023

Fiscal year end31-12

Activities, NACEBEL 2025

43211General electrical installation work

43120Site preparation

43212Electrical installation work in industrial facilities

43230Insulation installation

Contact

E-mail steve_construct@hotmail.com

Phone 0479648496

Scores and ratios are computed by Checked and are not a credit decision.