STEVECA
ActiveSummary
STEVECA has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €294,077 and a net result of -€22,812. Equity is shrinking by ~4.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability28▲+6
Solvency55▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity short (current ratio 0.22 against 0.33 in 2024; short-term debt: 22.6% and cash: 4.8% of total assets), and 70.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 2025Solvency, return and age of the figures
Solvency
29.6%
Return on assets
-2.3%
Age of the figures
15 mo
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 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€22,812
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
39 d early
2023
19 d early
2022
26 d early
2021
19 d early
2020
24 d early
2019
25 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 24 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€294,077▼ 7.2%
2024 · €316,888
Total assets
€994,956▼ 8.6%
2024 · €1.1m
Net result
-€22,812▲ 40.0%
2024 · -€38,031
Working capital
-€176,289▲ 17.7%
2024 · -€214,290
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€13,195-€2,769€5,529-€10,920€2,209
Net result-€300▲ 98.5%-€16,217▼ 5,312%-€14,324▲ 11.7%-€38,031▼ 166%-€22,812▲ 40.0%
Equity€385,461▼ 0.1%€369,244▼ 4.2%€354,920▼ 3.9%€316,888▼ 10.7%€294,077▼ 7.2%
Total assets€1.2m▼ 0.6%€1.1m▼ 3.4%€1.1m▼ 1.2%€1.1m▼ 2.9%€994,956▼ 8.6%
Debt€789,453▼ 0.8%€766,254▼ 2.9%€766,790▲ 0.1%€771,825▲ 0.7%€700,879▼ 9.2%
Working capital-€231,635▲ 8.0%-€231,088▲ 0.2%-€212,885▲ 7.9%-€214,290▼ 0.7%-€176,289▲ 17.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2,209 after a loss of €10,920 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €994,956
Fixed assets
€946,426 ▼ 3.5%
Current assets
€48,529 ▼ 54.9%
Equity and liabilities €994,956
Equity
€294,077 ▼ 7.2%
Debt
€700,879 ▼ 9.2%
Debt's share of the balance-sheet total falls from 70.9% to 70.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€36,825▲
2024 · €25,682
Cash flow
€11,805▲
2024 · -€1,429
Current ratio
0.22▼
2024 · 0.33
Debt to equity
2.38▼
2024 · 2.44
ROE
-7.8%▲
2024 · -12.0%
ROA
-2.3%▲
2024 · -3.5%
Interest coverage
1.47▲
2024 · 0.90
Debt ≤ 1 year
€224,819▼
2024 · €321,960
Debt > 1 year
€356,547▲
2024 · €352,545
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,508 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a small loss
1.4%
went bankrupt
1.7%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,508 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36,063 | €39,900 | €38,065 | €36,603 | €34,617 | ▼ 5.4% |
| Other operating charges640/8 | - | €7,157 | €7,775 | €9,428 | €8,303 | ▼ 11.9% |
| Gross operating margin9900 | €54,405 | €44,288 | €51,369 | €35,110 | €45,129 | ▲ 28.5% |
| Operating profit (loss)9901 | €13,195 | -€2,769 | €5,529 | -€10,920 | €2,209 | ▲ 120% |
| Financial income75/76B | - | €1 | €6 | €1,372 | - | - |
| Recurring financial income75 | - | €1 | €6 | €1,372 | - | - |
| Financial charges65/66B | - | €13,448 | €19,859 | €28,483 | €25,020 | ▼ 12.2% |
| Recurring financial charges65 | €13,494 | €13,448 | €19,859 | €28,483 | €25,020 | ▼ 12.2% |
| Profit (loss) for the period before taxes9903 | -€300 | -€16,217 | -€14,324 | -€38,031 | -€22,812 | ▲ 40.0% |
| Profit (loss) for the period9904 | -€300 | -€16,217 | -€14,324 | -€38,031 | -€22,812 | ▲ 40.0% |
| Transfer from tax-exempt reserves789 | - | €6,383 | €31,383 | €36,504 | €24,383 | ▼ 33.2% |
| Profit (loss) for the period to be appropriated9905 | €6,084 | -€9,834 | €17,059 | -€1,527 | €1,571 | ▲ 203% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.1m | €1.1m | €1.1m | €994,956 | ▼ 8.6% |
| Fixed assets21/28 | €1.1m | €1.1m | €1.0m | €981,043 | €946,426 | ▼ 3.5% |
| Tangible fixed assets22/27 | €1.1m | €1.1m | €1.0m | €981,043 | €946,426 | ▼ 3.5% |
| Land and buildings22 | - | €1.0m | €1.0m | €969,634 | €937,286 | ▼ 3.3% |
| Plant, machinery and equipment23 | - | €17,544 | €14,412 | €11,409 | €9,140 | ▼ 19.9% |
| Current assets29/58 | €82,959 | €79,787 | €104,064 | €107,670 | €48,529 | ▼ 54.9% |
| Amounts receivable within one year40/41 | €420 | €1,305 | €6,337 | €412 | €1,000 | ▲ 143% |
| Other amounts receivable41 | - | €1,305 | €6,337 | €412 | €1,000 | ▲ 143% |
| Cash at bank and in hand54/58 | €82,539 | €78,482 | €97,727 | €107,258 | €47,529 | ▼ 55.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.1m | €1.1m | €1.1m | €994,956 | ▼ 8.6% |
| Equity10/15 | €385,461 | €369,244 | €354,920 | €316,888 | €294,077 | ▼ 7.2% |
| Contributions10/11 | - | €820,000 | €820,000 | €820,000 | €820,000 | = |
| Reserves13 | €116,559 | €110,176 | €78,793 | €42,289 | €16,046 | ▼ 62.1% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | - | - |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | - | - |
| Tax-exempt reserves132 | - | €108,317 | €76,934 | €40,429 | €16,046 | ▼ 60.3% |
| Profit (loss) carried forward14 | -€551,098 | -€560,932 | -€543,873 | -€545,400 | -€541,970 | ▲ 0.6% |
| Amounts payable17/49 | €789,453 | €766,254 | €766,790 | €771,825 | €700,879 | ▼ 9.2% |
| Amounts payable after more than one year17 | €427,413 | €402,322 | €378,005 | €352,545 | €356,547 | ▲ 1.1% |
| Financial debts170/4 | - | €402,322 | €378,005 | €352,545 | €356,547 | ▲ 1.1% |
| Amounts payable within one year42/48 | €314,594 | €310,875 | €316,949 | €321,960 | €224,819 | ▼ 30.2% |
| Current portion of amounts payable after more than one year42 | - | €25,091 | €24,933 | €23,358 | €25,998 | ▲ 11.3% |
| Trade debts44 | €5,557 | €2,420 | €2,420 | €2,585 | €2,420 | ▼ 6.4% |
| Suppliers440/4 | - | €2,420 | €2,420 | €2,585 | €2,420 | ▼ 6.4% |
| Other amounts payable47/48 | - | €283,365 | €289,596 | €296,017 | €196,400 | ▼ 33.7% |
| Accrued charges and deferred income492/3 | - | €53,056 | €71,836 | €97,319 | €119,513 | ▲ 22.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€300 | -€16,217 | -€14,324 | -€38,031 | -€22,812 | ▲ 40.0% |
| + Depreciation and write-downs630 | €36,063 | €39,900 | €38,065 | €36,603 | €34,617 | ▼ 5.4% |
| Operating cash flow (approximation) | €35,763 | €23,683 | €23,740 | -€1,429 | €11,805 | ▲ 926% |
| Investment in fixed assets (approximation) | - | -€3,655 | €0 | €0 | €0 | - |
| Change in cash | - | -€4,057 | €19,245 | €9,531 | -€59,729 | ▼ 727% |
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
Next filing, fiscal year 2026, expected by
2026
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
18-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
21-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
NBB filing
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Wingene · 1 establishment unit since 2003
Ground area
1,993 m²
Building footprint
203 m²
Volume, LiDAR
1,509 m³
Parcel 37018F0976/00C003, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oude Bruggestraat 87, 8750 Wingene
since 20032.124.692.255
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37018F0976/00C003 | Flanders | 1,993 m² | 1 · 203 m² | 11.3 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300TCD604AUBPLJ88
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded01-12-1984
Fiscal year end30-06
E-invoicing
Reachable via Peppol
Peppol ID
0208:0426609067
Also
9925:BE0426609067
Registered
19-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.