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STEVENS CONSTRUCT

Active
Private limited companyfounded 2012active for 14 yearsLichtenberglaan 2035, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0844.268.697
Summary

STEVENS CONSTRUCT has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.3m and a net result of €178,513. Equity has been growing by about 19% per year since 2018. Its solvency ranks better than 61% of 337 sector peers (NACE 16, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 08-03-2012 Normal situation
Activity
Sawmilling and planing of wood NACE 16110and 3 others
Joint committee
124 Construction · annual accounts 2025
Establishment unit
2.210.124.115 3800 Sint-Truiden, since 08-03-2012
Financial year end
31 December
Peppol
Reachable since 24-11-2023

Board and ownership

Board

Financial position

95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€745,282
▼ 8.2%
Turnover
≈ €1.8m
estimated
Profit
€178,513
▲ 30.9%
Equity
€2.3m
▲ 8.6%
Total assets
€4.0m
▲ 33.9%
Employees on 31-12-2025
6
▼ 14.3%
Score breakdownlowers riskSize: 6 FTE, total assets €4.0mFigures for financial year 2025 (filed on 16-06-2026)Founded in 2012Equity €2.3m (56.9% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 60% of micro companies in wood and cork (NACE 16)
Financial strength · tick: 2024
Strong
Solvency 82-13
equity 56.9% of total assets
Liquidity 62+2
short-term debt 14.1% · cash 11.7%
Profitability 74-1
return on assets 4.5%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.5% (1,032 companies, NACE 16, micro)
Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.5%▲ +0.1 percentage points vs 02-2025 04-2025: 0.6%▲ +0.1 percentage points vs 03-2025 05-2025: 0.7%▲ +0.1 percentage points vs 04-2025 06-2025: 0.9%▲ +0.2 percentage points vs 05-2025highest value 07-2025: 0.3%▼ -0.6 percentage points vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.4%▲ +0.1 percentage points vs 02-2026 04-2026: 0.2%▼ -0.2 percentage points vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.1%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 0.1%● unchanged vs 07-2026lowest value 09-2026: 0.1%● unchanged vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €210,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.54 (3.2 in 2024), above the usual 1.5. Short-term debt is 14.1% and cash 11.7% of total assets. 43.1% 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 16, micro). It does better than 63% of them on solvency, 63% on liquidity, 54% on profitability and 58% on growth.

The bankruptcy probability was computed on 04-11-2026 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).

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

Signals

Five signals.
lowers riskneutral
lowers risk · Size: 6 FTE, total assets €4.0m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 16-06-2026)
NBB · annual accounts
lowers risk · Founded in 2012
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 · Equity €2.3m (56.9% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
45 days early
2024
34 days early
2023
34 days early
2022
32 days early
2021
4 days early
2020
8 days early
2019
3 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 23 days before the deadline. In the sector (NACE 16), the median for financial year 2024 was 3 days before the deadline, and 37% 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. The company usually files around 28 June (5 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
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: More equity than 89% of companies in wood and corksector median €351,517 · 337 companies €2.3m View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €178,513 8 years View
  • Mortgage mandates, new in 202577.6% of equity · not in the 2024 accounts €1.8m View

Recent changes

  1. · Gazette deed Registered office moved within Sint-TruidenNew registered office: Lichtenberglaan 2035, 3800 Sint-Truiden · Previous registered office: Lichtenberglaan 2030, 3800 Sint-Truiden · Appointments: STEVENS Luc (director) and LENAERTS Ariane (director)
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as STEVENS CONSTRUCT: sawmilling and planing of wood (NACE 16110). They are comparable in size and age: total assets between €2.5m and €6.4m, founded between 2004 and 2016.

CompanyTotal assetsGross margin
STEVENS CONSTRUCT Sint-Truiden€4.0m€0.7m
VERSTREKEN TIMBER Mol€2.8m€1.1m
DK BOIS SERVICES Mouscron€3.3m€0.8m
FAGNES PELLETS Couvin€6.4m€1.2m
LEMA DEUREN Brecht€2.5m€1.4m
HORATEC Kuurne€5.2m€1.5m
FORONEX Wielsbeke€5.4m€1.4m
Full comparison

Key facts about STEVENS CONSTRUCT

What is the company number of STEVENS CONSTRUCT?
The company number of STEVENS CONSTRUCT is 0844.268.697. The VAT number is the same number with BE in front: BE 0844.268.697.
Where is STEVENS CONSTRUCT based?
The registered office is at Lichtenberglaan 2035, 3800 Sint-Truiden.Company details
What does STEVENS CONSTRUCT do?
According to the KBO register, the main activity is sawmilling and planing of wood (NACE 16110).
What is the legal form of STEVENS CONSTRUCT?
STEVENS CONSTRUCT is a private limited company (BV).
When was STEVENS CONSTRUCT founded?
STEVENS CONSTRUCT was founded on 08-03-2012.
Is STEVENS CONSTRUCT still active?
Yes, STEVENS CONSTRUCT is an active enterprise in the KBO register.
How many employees does STEVENS CONSTRUCT have?
STEVENS CONSTRUCT had an average of 6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does STEVENS CONSTRUCT fall under?
In its 2025 annual accounts, STEVENS CONSTRUCT states joint committee 124 (Construction).
What is the turnover of STEVENS CONSTRUCT?
The turnover in financial year 2025 is ≈ €1.8m. This figure is estimated from the gross margin of €745,282 and 2,281 comparable companies of the same size. It probably lies between €1.1m and €3.0m. It is a rough estimate.
Is STEVENS CONSTRUCT profitable?
In financial year 2025, STEVENS CONSTRUCT made a profit of €178,513.
Where can I find the annual accounts of STEVENS CONSTRUCT?
STEVENS CONSTRUCT filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of STEVENS CONSTRUCT due?
STEVENS CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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