STEVENS CONSTRUCT
ActiveSTEVENS CONSTRUCT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.08M and a net result of €136k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 76% of 300 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▼-1
Solvency95▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 2.36 in 2023; short-term debt: 12.3% and cash: 9.5% of total assets), and 29.9% of the assets are financed with debt.
Credit advice for your own amount and term
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
70.1%
Return on assets
4.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
34 d early
2022
32 d early
2021
4 d early
2020
8 d early
2019
3 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€2.08M▲ 7.0%
2023 · €1.94M
2018: €674k
2019: €912k
2020: €1.13M
2021: €1.46M
2022: €1.76M
2023: €1.94M
2018 → 2024
Total assets
€2.96M▼ 3.0%
2023 · €3.06M
2018: €1.13M
2019: €1.35M
2020: €1.78M
2021: €2.79M
2022: €3.25M
2023: €3.06M
2018 → 2024
Net result
€136k▼ 24.8%
2023 · €181k
2018: €127k
2019: €238k
2020: €217k
2021: €331k
2022: €300k
2023: €181k
2018 → 2024
Working capital
€805k▲ 18.3%
2023 · €680k
2018: €324k
2019: €545k
2020: €773k
2021: €773k
2022: €663k
2023: €680k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.13M-€1.46M▲ 29.3%€1.76M▲ 20.5%€1.94M▲ 10.3%€2.08M▲ 7.0%
Operating result€322k-€405k▲ 25.9%€407k▲ 0.6%€274k▼ 32.8%€208k▼ 24.1%
Net result€217k-€331k▲ 52.6%€300k▼ 9.4%€181k▼ 39.6%€136k▼ 24.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 24% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.96M
Fixed assets
€1.79M▼ 4.4%
Current assets
€1.17M▼ 1.0%
Equity and liabilities €2.96M
Equity
€2.08M▲ 7.0%
Debt
€884k▼ 20.6%
The debt ratio falls from 36.4% to 29.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€334k▼
2023 · €404k
Cash flow
€262k▼
2023 · €311k
Solvency
70.1%▲
2023 · 63.6%
Current ratio
3.20▲
2023 · 2.36
Quick ratio
0.88▲
2023 · 0.67
Debt / equity
0.43▼
2023 · 0.57
ROE
6.6%▼
2023 · 9.3%
ROA
4.6%▼
2023 · 5.9%
Interest coverage
46.32▲
2023 · 43.43
Debt
€884k▼
2023 · €1.11M
Debt ≤ 1 year
€365k▼
2023 · €500k
Debt > 1 year
€519k▼
2023 · €613k
Income taxes
€65k▼
2023 · €84k
Staff costs
€464k▼
2023 · €505k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€3.06M€2.96M▼
Fixed assets21/28€1.87M€1.79M▼
Tangible fixed assets22/27€1.87M€1.79M▼
Land and buildings22€1.76M€1.72M▼
Plant, machinery and equipment23€1k€193▼
Furniture and vehicles24€103k€62k▼
Other tangible fixed assets26€10k€11k▲
Financial fixed assets28€470€470=
Current assets29/58€1.18M€1.17M▼
Stocks and contracts in progress3€848k€848k=
Stocks30/36€848k€848k=
Amounts receivable within one year40/41€203k€41k▼
Trade receivables40€201k€39k▼
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€130k€281k▲
Equity and liabilities
Total equity and liabilities10/49€3.06M€2.96M▼
Equity10/15€1.94M€2.08M▲
Contributions10/11€6k€6k=
Reserves13€1.40M€1.53M▲
Distributable reserves133€1.40M€1.53M▲
Profit (loss) carried forward14€540k€540k▲
Amounts payable17/49€1.11M€884k▼
Amounts payable after more than one year17€613k€519k▼
Financial debts170/4€613k€519k▼
Amounts payable within one year42/48€500k€365k▼
Current portion of amounts payable after more than one year42€119k€101k▼
Trade debts44€5k-
Suppliers440/4€5k-
Taxes, remuneration and social security45€75k€12k▼
Taxes450/3€62k€12k▼
Remuneration and social security454/9€13k-
Other amounts payable47/48€302k€252k▼
Income statement
Code20232024
Remuneration, social security and pensions62€505k€464k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€130k€126k▼
Other operating charges640/8€13k€13k▼
Gross operating margin9900€922k€812k▼
Operating profit (loss)9901€274k€208k▼
Financial income75/76B€534€174▼
Recurring financial income75€534€174▼
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€265k€201k▼
Income taxes67/77€84k€65k▼
Profit (loss) for the period9904€181k€136k▼
Profit (loss) for the period to be appropriated9905€181k€136k▼
Appropriation of the result
Profit (loss) to be appropriated9906€721k€676k▼
Profit (loss) brought forward from the previous period14P€539k€540k=
Transfer to equity691/2€181k€136k▼
To other reserves6921€181k€136k▼
Social balance
Average headcount (FTE)90878.07.2▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €2MEq €2.08M ▲7%
7 profitable years in a row build equity to €2.08M.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €331k ▲52.6%
Net result €331k, the highest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €1MEq €1.13M ▲23.8%
3 profitable years in a row build equity to €1.13M.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Truiden · 1 establishment unit since 2012
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Lichtenberglaan 20353800 Sint-TruidenGround area
1.9 ha
Building footprint
3,314 m²
Volume, LiDAR
22,261 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stevens Construct
since 20122.210.124.115
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71353E0537/00D000 | Flanders | 1.0 ha | 1 · 3,205 m² | 10.2 m · 2 fl. |
| 71353E0506/00R000 | Flanders | 8,746 m² | 1 · 109 m² | 0.1 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 8,798 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 8,798 EUR | 0 EUR |
Schemes
Call groene stroom (stopgezet)
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Of 663 companies in sector 16110 we hold annual accounts for 320. 180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2012
Fiscal year end31-12
Activities, NACEBEL
16110Sawmilling and planing of wood
43320Joinery installation
46831Wholesale of construction materials, general range
46832Wholesale of timber
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.