Turnover
≈ €240,000 estimated
The micro format states no turnover.
Steve Construct
Overview
Lifetime
2 annual accounts with figures on one time axispeak €147,770 (2024)
€61,738▼ 58.2%
peak €63,681 (2024)
€18,933▼ 70.3%
peak €87,614 (2025)
€87,614▲ 27.6%
€70,322▼ 50.9%
Board1 name since 2023
1 directorSteve CARDOEN
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €147,770 to €61,738Result from €63,681 to €18,933Equity from €68,681 to €87,614Debts from €143,236 to €70,322
Key points
from the 2025 annual accountsLiquidity
1.81 was 1.24 in 2024
Short-term debts fell from €142,736 to €69,822.
Starting capital
€5,000 100 shares
2025 accounts filed 31 days after the deadline
Checked score
85
Excellent
Financially stronger than 69% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.7%
01-2025: 2.7%● unchanged vs 12-2024
02-2025: 3.0%▲ +0.3 percentage points vs 01-2025
03-2025: 3.0%● unchanged vs 02-2025
04-2025: 2.9%▼ -0.1 percentage points vs 03-2025
05-2025: 2.9%● unchanged vs 04-2025
06-2025: 3.3%▲ +0.4 percentage points vs 05-2025
07-2025: 3.3%● unchanged vs 06-2025highest value
08-2025: 3.3%● unchanged vs 07-2025highest value
09-2025: 0.6%▼ -2.7 percentage points vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.5%▼ -0.1 percentage points vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.9%▲ +0.4 percentage points vs 07-2026
09-2026: 0.5%▼ -0.4 percentage points vs 08-2026lowest value
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 1.81, cash €120,614
Equity €87,614 (55.5% of total assets)
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 43, micro). It does better than 60% of them on solvency, 77% on liquidity, 66% on profitability and 73% on growth.
The bankruptcy probability was computed on 10-11-2026 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 very low class on 30-06-2025, 0.1% 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, 39,278 companies had the same profile as Steve Construct has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Steve Construct itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,448 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 39,278 companies, not a prediction for Steve 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 €7,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.81 (1.24 in 2024), above the usual 1.5. Short-term debt is 44.2% and cash 76.4% of total assets. 44.5% 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 risk
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 30 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0803420811
Incorporation
Founding capital of €5,000, 100 shares · Founder: Steve CARDOEN · Appointment: Steve CARDOEN (director) · published on 04-07-2023 · Gazette deed
First establishment
Rue du Warichet 10, Hannut
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Steve Construct Hannut | €157,936 | €61,738 | 55.5% | - |
| CARLISI ELEC Saint-Nicolas | €162,688 | €51,565 | 44.2% | - |
| GABELEC Limbourg | €161,944 | €52,234 | 27.8% | - |
| V.E.S. SERVICES Ardooie | €164,628 | €58,545 | 41.4% | - |
| TW Electrics Herzele | €147,318 | €63,999 | 58.1% | - |
| NEVA ENERGY Affligem | €157,860 | €55,364 | 59.9% | - |
| GP LIGHTING Manhay | €152,339 | €69,303 | 43.6% | - |
These companies have the same main activity as Steve Construct: general electrical installation work (NACE 43211). They are comparable in size and age: total assets between €147,000 and €165,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 30-06-2023Normal situation
- Activity
- General electrical installation workNACE 43211and 3 others
- Joint committee
- 124Construction · annual accounts 2024
- Establishment unit
- 2.346.665.0754280 Hannut, since 30-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 26-12-2025
Annual accounts 2025
- €61,738▼ 58.2%
- €18,933▼ 70.3%
- €87,614▲ 27.6%
- €157,936▼ 25.5%
- 0.3 FTE▼ 70.0%
- Filing
- Filed on 31-08-2026
Insights on Steve Construct
Steve Construct has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87,614 and a net result of €18,933.
Its solvency ranks better than 60% of 35,156 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€61,738
▼ 58.2%
€25,353
▼ 69.2%
€18,933
▼ 70.3%
€56,305
▲ 65.9%
55.5%
▲ 23.1 percentage points
1.81
▲ 0.57
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €240,000. Estimated: probably between €150,000 and €380,000.
Balance sheet
balance sheet total €157,936 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
55.5%
Higher than 60% of 35,156 companies in 2025.
1.81
Higher than 50% of 34,529 companies in 2025.
12.0%
Higher than 63% of 34,730 companies in 2025.
Steve Construct
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff
€92,466
Staff costs divided by the average number of full-time equivalents.
-1 person
people who joined
people who left
In 2025, nobody joined and 1 person left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
157,936 | 211,917 | |
21/28 |
31,809 | 35,239 | |
21 |
18,740 | 21,240 | |
22/27 |
12,865 | 13,795 | |
23 |
11,354 | 11,329 | |
24 |
1,511 | 2,466 | |
28 |
205 | 205 | |
29/58 |
126,127 | 176,678 | |
40/41 |
1,900 | 35,262 | |
40 |
1,670 | 28,198 | |
41 |
230 | 7,064 | |
54/58 |
120,614 | 138,368 | |
490/1 |
3,613 | 3,048 | |
| Balance sheet: equity and liabilities | |||
10/49 |
157,936 | 211,917 | |
10/15 |
87,614 | 68,681 | |
10/11 |
5,000 | 5,000 | |
14 |
82,614 | 63,681 | |
17/49 |
70,322 | 143,236 | |
42/48 |
69,822 | 142,736 | |
44 |
9,981 | 70,784 | |
440/4 |
9,981 | 70,784 | |
45 |
13,307 | 23,355 | |
450/3 |
9,807 | 18,073 | |
454/9 |
3,500 | 5,282 | |
47/48 |
46,534 | 48,598 | |
492/3 |
500 | 500 | |
| Income statement | |||
9900 |
61,738 | 147,770 | |
62 |
27,740 | 52,745 | |
630 |
8,082 | 11,755 | |
640/8 |
564 | 974 | |
9901 |
25,353 | 82,295 | |
75/76B |
178 | 414 | |
75 |
178 | 414 | |
65/66B |
392 | 955 | |
65 |
392 | 955 | |
9903 |
25,139 | 81,754 | |
67/77 |
6,207 | 18,073 | |
9904 |
18,933 | 63,681 | |
9905 |
18,933 | 63,681 | |
| Appropriation of the result | |||
9906 |
82,614 | 63,681 | |
14P |
63,681 | - | |
| Social balance sheet | |||
9087 |
0.3 | 1 | |
Hours worked1013 |
552 | 1,240 | |
| Document | |||
The notes to these accounts have 9 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 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00499410.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 33,434 | 94,051 | ||
| 27,014 | 75,437 | ||
| 4,652 | 46,995 | ||
| -17,755 | - | ||
| 56,305 | 33,942 | ||
| 55.5% | 32.4% | ||
| 1.81 | 1.24 | ||
| 0.80 | 2.09 | ||
| 21.6% | 92.7% | ||
| 12.0% | 30.1% | ||
| 85.34 | 98.48 |
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 | 31-12-2024 |
|---|---|---|
| Employees at the balance-sheet date | - | 1 |
| full-time | - | 1 |
| in full-time equivalents | - | 1 |
| 0.3 | 1 | |
| On a permanent contract | - | 1 |
| Joined | 0 | 2 |
| Left | 1 | 1 |
Source: social balance sheet in the 2024 to 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €4,652 | €20,615 |
| Intangible fixed assets | - | €26,174 |
| Financial fixed assets | - | €205 |
| €8,082 | €11,755 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on Steve Construct
The operating result for 2025 is 69% lower than in 2024.
Debt's share of the balance-sheet total falls from 67.6% to 44.5%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 30-06-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 31-08-2026
Mandates through the years
1 name, the dashed line is todaySteve CARDOEN
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Steve CARDOEN
- Director (not named in the articles), from 30-06-2023 to date
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €876 in 2025
- Source
- deed of 04-07-2023
Articles of association
deed of 04-07-2023 (in French)- 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.
- At least 1 director
Shareholders
At incorporation
deed of 04-07-2023 ↗
- Steve CARDOEN 100 shares (100%) · €5,000
Network & group
No group
Steve Construct has no parent and no holdings in its annual accounts. Steve CARDOEN is the only director. Steve Construct shares no director with another company.
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0803420811
Annual accounts 2024 filed PDFmicro format · 29 days late
2023
IncorporationFounding capital of €5,000, 100 shares · Founder: Steve CARDOEN · Appointment: Steve CARDOEN (director) · published on 04-07-20236 points ▸
- Registered office clause, rue du Warichet 10, 4280 Hannut (Wansin)
- Board rule, 1
- Director appointment, Steve CARDOEN (director (not named in the articles))
- Founder, Steve CARDOEN
- Founding capital, €5,000, 100 shares
- Steve CARDOEN holds all the shares
- The deed holds 6 more points.
First establishment Rue du Warichet 10, Hannut
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Steve Construct was incorporated on 30 June 2023 as a private limited company by one natural person, with a starting capital of €5,000.12 Since 2023, Steve CARDOEN has served as director.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 0803.420.811
- VAT number
- BE 0803.420.811
- Peppol ID
- 0208:0803420811
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 30-06-2023
- Financial year
- ends on 31 December
- Peppol
- Reachable since 26-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Steve Construct in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 04-07-2023 (in French)
- Name clauseThe company operates under this name according to its articles.
- Steve Constructdeed of 04-07-2023 (in French)
Activities
NACEBEL 202543211
General electrical installation work main activity
43120
Site preparation
43230
Insulation installation
Joint committees annual accounts 2024
JC 124
Construction
Codes under NACEBEL 2008
43211
Specialised construction activities main activity
43120
Site preparation
43212
Specialised construction activities
43291
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’entreprise de menuiserie intérieure et extérieure en ce compris la conception et le placement de cuisines et de placards; La pose de…”deed of 04-07-2023 (in French)
19 activities
- L’entreprise de menuiserie intérieure et extérieure en ce compris la conception et le placement de cuisines et de placards
- La pose de parquet et de tous revêtements de mur et du sol
- La fabrication de charpentes et toitures
- Le montage de cloisons mobiles ; revêtement de murs,de plafonds etc.,en bois,en matière plastique ou métallique
- La commercialisation,la fabrication,l’importation et l’exportation,le commerce de détail,la réparation,l’entretien,la pose de châssis,volets,portes en PVC,en bois ou en aluminium,portes de garages,de vérandas ainsi que le commerce,l’importation,l’exportation,la vente au détail de toutes pièces et matériaux en lien avec cette activité
- L'entreprise de travaux de vitrerie,de pose de glaces,miroiterie,vitraux et la mise en œuvre de tous les matériaux translucides ou transparents,de peinture du bâtiment,de tapissage et de garnissage
- Le montage de serres,de vérandas etc.,en bois,en matière plastique ou métallique
- La vente et le placement d’articles en matière plastique ou produits synthétiques
- L’entreprise d’isolation thermique et acoustique
- La fabrication,l’achat et la vente de serrures,de cadenas,de verrous,de clés et d’articles similaires de serrure
- L’exploitation forestière,l’abattage d'arbres et la production de bois brut tels que les bois de mine,les échalas fendus,les piquets et les bois de chauffage
- Le commerce de détail de matériaux de construction et de matériaux de jardin en bois en magasin spécialisé
- Le commerce de détail d'autres matériaux de construction en magasin spécialisé
- Tous travaux de terrassement,de forage et de consolidation du sol,tous travaux de drainage,sablage,rejointoiement,nettoyage et égouttage,tous travaux de construction de gros œuvre,de réfection et de démolition et tous travaux de restauration en ce compris le placement de pierres de taille et de marbrerie,de carrelage et autres revêtements de sols,ainsi que la pose de câbles et de canalisations diverses,et tous travaux de béton armé,de ferraillage et de coffrage
- Les travaux de restauration des bâtiments
- L’entreprise générale de construction
- L’étude,la création,le développement,la recherche,l’importation,l’exportation,l’achat et la vente,la location,la distribution,le financement,l’exploitation,le conseil,l’assistance,l’expertise technique,la conception,la réalisation,la formation et l’installation de concepts et de tous produit,matériel et pièces détachées ayant un rapport direct ou indirect avec les énergies renouvelables et notamment mais non exclusivement relatifs à l’énergie solaire (thermique,photovoltaïque) et à toute autre forme de production d’énergie renouvelable
- L'installation électrique privée,publique ou industrielle
- La distribution exclusive sur un territoire donné et commerce de tous types de panneaux solaires,photovoltaïques et autres systèmes de production d’énergie renouvelable
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue du Warichet 10 registered office 4280 Hannut | 30-06-2023 | 2.346.665.075 |
Buildings and parcels at the address
- Ground area
- 1,066 m²
- Buildings
- 138 m²
- Volume, LiDAR
- 927 m³
- Tallest building
- 7.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 64432A0310/00K002 | 1,065 m² | 1 · 138 m² | 7.9 m · 2 |
Contact
E-mail
steve_construct@hotmail.com
Phone
+32 479 64 84 96
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 0803.420.811