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STEVE VERHAEGHE

Active
Private limited company (pre-2019)founded 2010active for 16 yearsKortestraat 2, 8470 Gistel, BelgiumKBO/BCE: BE 0827.610.136
Summary

STEVE VERHAEGHE has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117,207 and a net result of -€492. Equity has been shrinking by about 18% per year since 2019. Its solvency ranks better than 37% of 9,898 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

Source: KBO
Status
Active since 06-07-2010 Normal situation
Activity
Other building finishing work NACE 43350and 4 others
Joint committees
200 Aanvullend Paritair Comité voor de bedienden
124 Paritair Comité voor het bouwbedrijf · annual accounts 30-06-2023
Establishment unit
2.191.029.664 8470 Gistel, since 07-07-2010
Financial year end
30 June
Peppol
Not found in the Peppol Directory

Board and ownership

Board
  • COSTENOBLE JULIEDirector
  • VERHAEGHE STEVEDirector

Financial position

80 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts to 30-06-2025
Gross margin
€49,032
▼ 25.4%
Turnover
≈ €230,000
estimated
Loss
€492
▼ 99.2%
Equity
€117,207
▼ 0.4%
Total assets
€348,071
▼ 7.4%
  • 2025 accounts filed 2 days after the deadline
Score breakdownraises riskSector: Specialised construction activities (NACE 43)Liquidity: current ratio 1.59, cash €6,894lowers riskFounded in 2010Size: total assets €348,071Show the evidence

Checked score

Score 2025
80 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 31% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Average
Solvency 59+3
equity 33.7% of total assets
Liquidity 43+2
short-term debt 25.3% · cash 2.0%
Profitability 43+38
return on assets -0.1%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 12-2024: 0.6% 01-2025: 0.8%▲ +0.2 percentage points vs 12-2024 02-2025: 1.2%▲ +0.4 percentage points vs 01-2025 03-2025: 1.6%▲ +0.4 percentage points vs 02-2025 04-2025: 1.6%● unchanged vs 03-2025 05-2025: 1.6%● unchanged vs 04-2025 06-2025: 1.6%● unchanged vs 05-2025 07-2025: 1.6%● unchanged vs 06-2025 08-2025: 1.6%● unchanged vs 07-2025 09-2025: 1.6%● unchanged vs 08-2025 10-2025: 1.9%▲ +0.3 percentage points vs 09-2025 11-2025: 1.8%▼ -0.1 percentage points vs 10-2025 12-2025: 1.8%● unchanged vs 11-2025 01-2026: 2.0%▲ +0.2 percentage points vs 12-2025 02-2026: 2.7%▲ +0.7 percentage points vs 01-2026highest value 03-2026: 0.4%▼ -2.3 percentage points vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026lowest value 08-2026: 0.4%● unchanged vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026 11-2026: 0.4%● unchanged vs 10-2026
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.59 (1.31 in 2024), above the usual 1.5. Short-term debt is 25.3% and cash 2% of total assets. However, 66.3% of the assets are financed with debt and provisions.
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 35% of them on solvency, 33% on liquidity, 21% on profitability and 33% on growth.

The bankruptcy probability was computed on 03-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Founded in 2010
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €348,071
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.59, cash €6,894
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€492
raises risk · 2025 accounts filed 2 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 10 filings
Deviation from the deadline
2025
2 days late
2024
3 days late
2023
1 day early
2022
on the day
2021
39 days early
2020
27 days early
2019
43 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 15 days before 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 financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end03-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Result rose in 2025from -€58,141 to -€492 ▲ 99.2% View
  • Caution: Lower net result than 80% of companies in specialised constructionsector median €26,845 · 9,890 companies -€492 View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€492 View

Recent changes

  1. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as STEVE VERHAEGHE: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €291,000 and €425,000, founded between 2008 and 2011.

CompanyTotal assetsGross margin
STEVE VERHAEGHE Gistel€348,071€49,032
POLTATRA Wevelgem€354,228€53,505
RAMBOUR BETONVLOEREN Houthulst€291,220€51,850
DAVASTI Wijnegem€340,292€42,162
BDW-projects Lievegem€342,425€44,548
ETHA Asse€370,571€42,005
HENRY STEEL Kluisbergen€425,481€49,376
Full comparison

Key facts about STEVE VERHAEGHE

What is the company number of STEVE VERHAEGHE?
The company number of STEVE VERHAEGHE is 0827.610.136. The VAT number is the same number with BE in front: BE 0827.610.136.
Where is STEVE VERHAEGHE based?
The registered office is at Kortestraat 2, 8470 Gistel.Company details
What does STEVE VERHAEGHE do?
According to the KBO register, the main activity is other building finishing work (NACE 43350).
What is the legal form of STEVE VERHAEGHE?
The legal form of STEVE VERHAEGHE is Private limited company (pre-2019) (BVBA).
When was STEVE VERHAEGHE founded?
STEVE VERHAEGHE was founded on 06-07-2010.
Is STEVE VERHAEGHE still active?
Yes, STEVE VERHAEGHE is an active enterprise in the KBO register.
How many employees does STEVE VERHAEGHE have?
STEVE VERHAEGHE had an average of 0.8 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
Which joint committee does STEVE VERHAEGHE fall under?
In its 30-06-2023 annual accounts, STEVE VERHAEGHE states joint committees 200 (Aanvullend Paritair Comité voor de bedienden) and 124 (Paritair Comité voor het bouwbedrijf).
What is the turnover of STEVE VERHAEGHE?
The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €49,032 and 31 comparable companies (NACE 433). It probably lies between €170,000 and €370,000.
Is STEVE VERHAEGHE profitable?
In financial year 2025, STEVE VERHAEGHE made a loss of €492.
Where can I find the annual accounts of STEVE VERHAEGHE?
STEVE VERHAEGHE filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of STEVE VERHAEGHE due?
STEVE VERHAEGHE must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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