STEVENS CONSTRUCT
ActiveSummary
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
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
- LENAERTS ArianeDirector
- STEVENS LucDirector
- Stevens Esther EddyDirector
Financial position
- 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).
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
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 filingsDeviation 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 monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 16-06-2026 at the NBB all 14 filings
Turnover
≈ €1.8m
Estimated: probably between €1.1m and €3.0m
Total assets
€4.0m▲ 33.9%
2024 · €3.0m
Net result
€178,513▲ 30.9%
2024 · €136,339
Working capital
€857,747▲ 6.6%
2024 · €804,567
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
€240,496
▲ 15.6%
2025
20182025
Net result
€178,513
▲ 30.9%
2025
highest quarter of the sector
20182025
Equity
€2.3m
▲ 8.6%
2025
highest quarter of the sector
20182025
Total assets
€4.0m
▲ 33.9%
2025
highest quarter of the sector
20182025
Debt
€1.7m
▲ 93.4%
2025
20182025
Working capital
€857,747
▲ 6.6%
2025
highest quarter of the sector
20182025
Solvency
56.9%
▼ 13.3pp
2025
middle half of the sector
20182025
Current ratio
2.54
▼ 0.67
2025
middle half of the sector
20182025
Return on assets (ROA)
4.5%
▼ 0.1pp
2025
middle half of the sector
20182025
Staff (FTE)
6
▼ 16.7%
2025
middle half of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.2m-€0.4m▲ 91.7%€0.3m▼ 11.0%€0.4m▲ 25.9%€0.4m▲ 0.6%€0.3m▼ 32.8%€0.2m▼ 24.1%€0.2m▲ 15.6%
Net result€0.1m-€0.2m▲ 87.1%€0.2mabove the sector's middle half▼ 8.9%€0.3mabove the sector's middle half▲ 52.6%€0.3mabove the sector's middle half▼ 9.4%€0.2mwithin the sector's middle half▼ 39.6%€0.1mwithin the sector's middle half▼ 24.8%€0.2mabove the sector's middle half▲ 30.9%
Equity€0.7m-€0.9m▲ 35.4%€1.1mabove the sector's middle half▲ 23.8%€1.5mabove the sector's middle half▲ 29.3%€1.8mabove the sector's middle half▲ 20.5%€1.9mabove the sector's middle half▲ 10.3%€2.1mabove the sector's middle half▲ 7.0%€2.3mabove the sector's middle half▲ 8.6%
Total assets€1.1m-€1.4m▲ 19.8%€1.8mwithin the sector's middle half▲ 31.4%€2.8mabove the sector's middle half▲ 56.9%€3.3mabove the sector's middle half▲ 16.4%€3.1mabove the sector's middle half▼ 6.0%€3.0mabove the sector's middle half▼ 3.0%€4.0mabove the sector's middle half▲ 33.9%
Debt€0.5m-€0.4m▼ 3.1%€0.7m▲ 47.0%€1.3m▲ 105%€1.5m▲ 11.8%€1.1m▼ 25.3%€0.9m▼ 20.6%€1.7m▲ 93.4%
Working capital€0.3m-€0.5m▲ 68.3%€0.8mabove the sector's middle half▲ 42.0%€0.8mwithin the sector's middle half=€0.7mwithin the sector's middle half▼ 14.2%€0.7mwithin the sector's middle half▲ 2.6%€0.8mwithin the sector's middle half▲ 18.3%€0.9mabove the sector's middle half▲ 6.6%
Solvency59.6%-67.3%▲ 7.7pp63.4%within the sector's middle half▼ 3.9pp52.3%within the sector's middle half▼ 11.2pp54.2%within the sector's middle half▲ 1.9pp63.6%within the sector's middle half▲ 9.4pp70.1%above the sector's middle half▲ 6.6pp56.9%within the sector's middle half▼ 13.3pp
Current ratio1.81-2.36▲ 0.552.27within the sector's middle half▼ 0.092.20within the sector's middle half▼ 0.071.87within the sector's middle half▼ 0.332.36within the sector's middle half▲ 0.493.20within the sector's middle half▲ 0.842.54within the sector's middle half▼ 0.67
Return on assets (ROA)11.3%-17.6%▲ 6.3pp12.2%above the sector's middle half▼ 5.4pp11.9%within the sector's middle half▼ 0.3pp9.2%within the sector's middle half▼ 2.6pp5.9%within the sector's middle half▼ 3.3pp4.6%within the sector's middle half▼ 1.3pp4.5%within the sector's middle half▼ 0.1pp
Staff (FTE)8.1-8▼ 1.2%8.6within the sector's middle half▲ 7.5%9.4within the sector's middle half▲ 9.3%8.1within the sector's middle half▼ 13.8%8within the sector's middle half▼ 1.2%7.2within the sector's middle half▼ 10.0%6within the sector's middle half▼ 16.7%
above
within
below
The sector band is the middle half of the companies in Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials (NACE 16). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 16% higher than in 2024. It is a recovery after the fall in 2024.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.0m
Fixed assets
€2.6m ▲ 42.3%
Current assets
€1.4m ▲ 21.1%
Equity and liabilities €4.0m
Equity
€2.3m ▲ 8.6%
Debt
€1.7m ▲ 93.4%
Debt's share of the balance-sheet total rises from 29.9% to 43.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€371,446▲
2024 · €334,192
Cash flow
€309,463▲
2024 · €262,491
Quick ratio
1.02▲
2024 · 0.88
Debt to equity
0.76▲
2024 · 0.43
ROE
7.9%▲
2024 · 6.6%
Interest coverage
58.26▲
2024 · 46.32
Debt ≤ 1 year
€558,161▲
2024 · €364,958
Debt > 1 year
€1.2m▲
2024 · €519,370
Income taxes
€55,981▼
2024 · €64,661
Staff costs
€360,553▼
2024 · €464,222
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 8 | 8 | 8 | 7 | 6 |
| full-time | 8 | 8 | 8 | 6 | 5 |
| part-time | - | - | - | 1 | 1 |
| in full-time equivalents | 8 | 8 | 8 | 6.8 | 5.8 |
| Average over the year, in full-time equivalents | 9.4 | 8.1 | 8 | 7.2 | 6 |
| On a permanent contract | 7 | 8 | 8 | 7 | 6 |
| Joined | 3 | 1 | - | 2 | 0 |
| Left | 5 | 1 | - | 3 | 1 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Debts secured on the company's own assets | - | - | - | - | €1.4m |
| Mortgages, amount registered | €324,500 | €324,500 | €900,000 | €900,000 | - |
| Mortgage mandates | - | - | - | - | €1.8m |
| Carrying value of the mortgaged assets | €298,727 | €298,727 | €1.8m | €1.7m | €2.5m |
| Pledge on the business | €900,000 | €900,000 | - | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1.1m | €559,508 | €182,372 | €44,571 | €888,660 |
| Financial fixed assets | - | - | €200 | - | - |
| Depreciation and write-downs of the year | €89,052 | €113,435 | €129,707 | €126,152 | €130,950 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2022 · 1 entry · €8,798 awardedAnnual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €0.5m | €0.5m | €0.5m | €0.5m | €0.4m | ▼ 22.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.04m | €0.04m | €0.05m | €0.09m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 3.8% |
| Other operating charges640/8 | - | - | - | €0.004m | €0.03m | €0.01m | €0.01m | €0.01m | ▲ 0.7% |
| Gross operating margin9900 | €0.7m | €0.9m | €0.9m | €1.0m | €1.1m | €0.9m | €0.8m | €0.7m | ▼ 8.2% |
| Operating profit (loss)9901 | €0.2m | €0.4m | €0.3m | €0.4m | €0.4m | €0.3m | €0.2m | €0.2m | ▲ 15.6% |
| Financial income75/76B | - | - | - | €0.003m | €360 | €0.001m | €174 | €374 | ▲ 115% |
| Recurring financial income75 | €108 | €127 | €0.001m | €467 | €360 | €0.001m | €174 | €374 | ▲ 115% |
| Non-recurring financial income76B | - | - | - | €0.002m | - | - | - | - | - |
| Financial charges65/66B | - | - | - | €0.007m | €0.008m | €0.009m | €0.007m | €0.006m | ▼ 11.6% |
| Recurring financial charges65 | €0.003m | €0.002m | €0.001m | €0.007m | €0.008m | €0.009m | €0.007m | €0.006m | ▼ 11.6% |
| Profit (loss) for the period before taxes9903 | €0.2m | €0.4m | €0.3m | €0.4m | €0.4m | €0.3m | €0.2m | €0.2m | ▲ 16.7% |
| Income taxes67/77 | €0.06m | €0.1m | €0.1m | €0.07m | €0.1m | €0.08m | €0.06m | €0.06m | ▼ 13.4% |
| Profit (loss) for the period9904 | €0.1m | €0.2m | €0.2m | €0.3m | €0.3m | €0.2m | €0.1m | €0.2m | ▲ 30.9% |
| Profit (loss) for the period to be appropriated9905 | €0.1m | €0.2m | €0.2m | €0.3m | €0.3m | €0.2m | €0.1m | €0.2m | ▲ 30.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.1m | €1.4m | €1.8m | €2.8m | €3.3m | €3.1m | €3.0m | €4.0m | ▲ 33.9% |
| Fixed assets21/28 | €0.4m | €0.4m | €0.4m | €1.4m | €1.8m | €1.9m | €1.8m | €2.6m | ▲ 42.3% |
| Tangible fixed assets22/27 | €0.4m | €0.4m | €0.4m | €1.4m | €1.8m | €1.9m | €1.8m | €2.6m | ▲ 42.3% |
| Land and buildings22 | - | - | - | €1.2m | €1.7m | €1.8m | €1.7m | €2.5m | ▲ 46.2% |
| Plant, machinery and equipment23 | - | - | - | €0.004m | €0.002m | €0.001m | €193 | - | - |
| Furniture and vehicles24 | - | - | - | €0.2m | €0.2m | €0.1m | €0.06m | €0.03m | ▼ 55.6% |
| Other tangible fixed assets26 | - | - | - | - | - | €0.01m | €0.01m | €0.01m | ▼ 11.7% |
| Financial fixed assets28 | €270 | €270 | €270 | €270 | €270 | €470 | €470 | €470 | = |
| Current assets29/58 | €0.7m | €0.9m | €1.4m | €1.4m | €1.4m | €1.2m | €1.2m | €1.4m | ▲ 21.1% |
| Stocks and contracts in progress3 | €0.3m | €0.3m | €1.0m | €1.0m | €0.9m | €0.8m | €0.8m | €0.8m | = |
| Stocks30/36 | - | - | - | €1.0m | €0.9m | €0.8m | €0.8m | €0.8m | = |
| Amounts receivable within one year40/41 | €0.1m | €0.09m | €0.2m | €0.08m | €0.1m | €0.2m | €0.04m | €0.1m | ▲ 158% |
| Trade receivables40 | - | - | - | €0.08m | €0.1m | €0.2m | €0.04m | €0.1m | ▲ 166% |
| Other amounts receivable41 | - | - | - | €0.002m | €0.006m | €0.002m | €0.002m | €0.001m | ▼ 22.6% |
| Cash at bank and in hand54/58 | €0.3m | €0.5m | €0.2m | €0.4m | €0.4m | €0.1m | €0.3m | €0.5m | ▲ 64.7% |
| Deferred charges and accrued income490/1 | - | - | - | €0.005m | €0.02m | - | - | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.1m | €1.4m | €1.8m | €2.8m | €3.3m | €3.1m | €3.0m | €4.0m | ▲ 33.9% |
| Equity10/15 | €0.7m | €0.9m | €1.1m | €1.5m | €1.8m | €1.9m | €2.1m | €2.3m | ▲ 8.6% |
| Contributions10/11 | €0.006m | €0.006m | - | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Reserves13 | €0.1m | €0.4m | €0.6m | €0.9m | €1.2m | €1.4m | €1.5m | €1.7m | ▲ 11.6% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Distributable reserves133 | - | - | - | €0.9m | €1.2m | €1.4m | €1.5m | €1.7m | ▲ 11.6% |
| Profit (loss) carried forward14 | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | ▲ 0.1% |
| Amounts payable17/49 | €0.5m | €0.4m | €0.7m | €1.3m | €1.5m | €1.1m | €0.9m | €1.7m | ▲ 93.4% |
| Amounts payable after more than one year17 | €0.06m | €0.04m | €0.04m | €0.7m | €0.7m | €0.6m | €0.5m | €1.2m | ▲ 122% |
| Financial debts170/4 | - | - | - | €0.7m | €0.7m | €0.6m | €0.5m | €1.2m | ▲ 122% |
| Amounts payable within one year42/48 | €0.4m | €0.4m | €0.6m | €0.6m | €0.8m | €0.5m | €0.4m | €0.6m | ▲ 52.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.2m | ▲ 125% |
| Trade debts44 | €0.001m | €0.002m | €0.01m | €0.02m | €0.1m | €0.005m | - | - | - |
| Suppliers440/4 | - | - | - | €0.02m | €0.1m | €0.005m | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | €0.06m | €0.08m | €0.08m | €0.01m | €0.03m | ▲ 127% |
| Taxes450/3 | - | - | - | €0.06m | €0.06m | €0.06m | €0.01m | €0.02m | ▲ 96.4% |
| Remuneration and social security454/9 | - | - | - | €0.005m | €0.01m | €0.01m | - | €0.004m | - |
| Other amounts payable47/48 | - | - | - | €0.4m | €0.5m | €0.3m | €0.3m | €0.3m | ▲ 20.4% |
| Accrued charges and deferred income492/3 | - | - | - | €0.003m | - | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.1m | €0.2m | €0.2m | €0.3m | €0.3m | €0.2m | €0.1m | €0.2m | ▲ 30.9% |
| + Depreciation and write-downs630 | €0.04m | €0.04m | €0.05m | €0.09m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 3.8% |
| Operating cash flow (approximation) | €0.2m | €0.3m | €0.3m | €0.4m | €0.4m | €0.3m | €0.3m | €0.3m | ▲ 17.9% |
| Investment in fixed assets (approximation) | - | -€0.04m | -€0.04m | -€1.1m | -€0.6m | -€0.2m | -€0.04m | -€0.9m | ▼ 1,894% |
| Change in cash | - | €0.3m | -€0.3m | €0.1m | €0.02m | -€0.2m | €0.2m | €0.2m | ▲ 20.7% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 10,904 companies had the same profile as STEVENS CONSTRUCT has now. Two years later, 95.2% were still going and 0.7% had gone bankrupt.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
95.2%
was still going
4.0%
stopped otherwise
0.7%
went bankrupt
That fits the bankruptcy probability of STEVENS CONSTRUCT itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 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 10,904 companies, not a prediction for STEVENS 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.
Latest 10 of 14 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 16-06-2026 | 2026-00164830 | |
| 31-12-2024 | abbreviated format | 27-06-2025 | 2025-00190446 | |
| 31-12-2023 | abbreviated format | 27-06-2024 | 2024-00173291 | |
| 31-12-2022 | abbreviated format | 29-06-2023 | 2023-00174776 | |
| 31-12-2021 | abbreviated format | 27-07-2022 | 2022-20230126 | |
| 31-12-2020 | abbreviated format | 23-07-2021 | 2021-39000308 | |
| 31-12-2019 | abbreviated format | 28-07-2020 | 2020-35600099 | |
| 31-12-2018 | abbreviated format | 23-07-2019 | 2019-37000406 | |
| 31-12-2017 | abbreviated format | 27-06-2018 | 2018-24300549 | |
| 31-12-2016 | abbreviated format | 29-06-2017 | 2017-24400218 |
Board & ownership
Directors
Directors
3 directors, last change in 2024
LENAERTS Ariane
Current
Director (not named in the articles) · appointed by deed of 25-03-2024 · term without a fixed end · listed in the 2025 annual accounts, filed on 16-06-2026
STEVENS Luc
Current
Director (not named in the articles) · appointed by deed of 25-03-2024 · term without a fixed end · listed in the 2025 annual accounts, filed on 16-06-2026
Stevens Esther Eddy
Current
Director · listed in the 2025 annual accounts, filed on 16-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 25-03-2024Owners and capital
Capital transactions
Capital over time
- 25-03-2024 Capital stated in the deed · 62 shares
Mandate history
3 people, 3 in office
- Board
- mandate already running before its first mention
| Name | Functions and periods |
|---|---|
| LENAERTS Ariane |
|
| STEVENS Luc |
|
| Stevens Esther Eddy |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Algemene kosten, los van representatie-, reis- en verplaatsingskosten, algemene vergadering met absolute meerderheid of enige aandeelhouder”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Bij ontbinding om welke reden en op welk ogenblik ook, een of meerdere vereffenaars aanduiden,bevoegdheden omlijnen en vergoeding bepalen”
Articles of association, deed of 25-03-2024 (in Dutch)
Network & group
STEVENS CONSTRUCT shares no director with another company.
Connections & network
3 current directorsThe network starts from the directors of STEVENS CONSTRUCT. Every other company they run is a node.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Deeds, filings and financial milestones
Deadline for the 2026 accounts:
2026
16-06
abbreviated format · 45 days before the deadline
2025
27-06
abbreviated format · 34 days before the deadline
2024
31-12
Financial
Equity above €2mequity €2.1m ▲7%
With a profit in every financial year since 2018, equity grows to €2.1m.
27-06
abbreviated format · 34 days before the deadline
25-03
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)7 points ▸
Gazette deed
Registered office moved within Sint-Truiden
New registered office: Lichtenberglaan 2035, 3800 Sint-Truiden · Previous registered office: Lichtenberglaan 2030, 3800 Sint-Truiden · Appointments: STEVENS Luc (director) and LENAERTS Ariane (director)7 points ▸
- 62 shares
- Director appointment, STEVENS Luc (director (not named in the articles))
- Director appointment, LENAERTS Ariane (director (not named in the articles))
- Registered office clause, Lichtenberglaan 2035, 3800 Sint-Truiden
- General meeting, 23-11-2023
- Legal-form conversion, from private limited company (pre-2019) to private limited company
- Registered-office move, Lichtenberglaan 2035, 3800 Sint-Truiden
- The deed holds 5 more points.
2023
29-06
abbreviated format · 32 days before the deadline
2022
27-07
abbreviated format · 4 days before the deadline
2021
31-12
Financial
Highest result from 2018 to 2025net €331,178 ▲52.6%
The net result of €331,178 is the highest of those years.
23-07
abbreviated format · 8 days before the deadline
2020
31-12
Financial
Equity above €1mequity €1.1m ▲23.8%
With a profit in every financial year since 2018, equity grows to €1.1m.
28-07
abbreviated format · 3 days before the deadline
2019
23-07
abbreviated format · 8 days before the deadline
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
STEVENS CONSTRUCT in Dutch
Enterprise number
0844.268.697
Legal form
Private limited company
Status
Active, normal situation
Founded
08-03-2012
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 25-03-2024 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 25-03-2024 (in Dutch)Registered office and establishments
Registered office
Lichtenberglaan 2035, 3800 Sint-Truiden, Belgium
Establishment unit
Stevens Construct, Lichtenberglaan 2030, 3800 Sint-Truiden since 08-03-2012 · unit number 2.210.124.115
Activities
NACEBEL 2025VAT activities
16110
Sawmilling and planing of wood main activity
43320
Joinery installation
46831
Wholesale of construction materials, general range
46832
Wholesale of timber
Social security (RSZ) activities
43320
Joinery installation main activity
Codes under NACEBEL 2008
VAT activities
16100
Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials main activity
43320
Joinery installation
46731
Wholesale trade
46732
Wholesale trade
Social security (RSZ) activities
43320
Joinery installation main activity
Joint committee
124 Construction annual accounts 2025
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 25-03-2024 (in Dutch)
“1.Algemene bouwonderneming houdende het optrekken van gebouwen alsmede de coördinatie van de andere aan onderaannemers toevertrouwde en door…”
36 activities
- 1.Algemene bouwonderneming houdende het optrekken van gebouwen alsmede de coördinatie van de andere aan onderaannemers toevertrouwde en door deze uitgevoerde voltooiingswerken van gebouwen.
- 2.Schrijn- en timmerwerken voor gebouwen(fabricatie,plaatsing,handel).
- 3.Alle houten bedekkingen van vloeren,muren en plafonds.
- 4.Het leveren en plaatsen,vervaardigen,inrichten,onderhoud,herstellen en atelier van houten meubelen,aanbouwkeukens,badkamers,sanitaire installaties met al haar toebehoren,brandhaspels met inbegrip van brandleidingen en spranklers,centrale verwarmingsinstallaties op warm water,stoom,gas en warme lucht,gasverwarmingsinstallaties met individuele toestellen,installaties voor ventilatie,luchtverwarming,verluchting,luchtregeling en airconditionering;het onderhouden van verwarmingsketels,afstellen van branders en vegen van schoorstenen;plaatsen van schutsels en valse zolderingen in hout.
- 5.Onderneming voor plafonneer-,cementeer- en alle andere pleisterwerken van gebouwen;leveren en plaatsen van gyprocwanden.
- 6.Het leveren,plaatsen,vervaardigen,herstellen en atelier van tegelvloeren en parketvloeren,tegelwanden en mozaïek,en alle andere wand- en vloerbekledingen;onderneming voor het schilderen,behangen,garneren en onderhouden van gebouwen.
- 7.Het uitvoeren van alle grond- en kraanwerken alsook het aanleggen,herstellen en onderhouden van wegenis-,riolerings-,gas- en watervoorzieningswerken en het leggen van kabels en diverse leidingen;het plaatsen van verlichting,drijfkracht en telefoon.
- 8.Leveren en plaatsen van ruiten,glas,spiegelglas,gekleurde ramen en van alle doorschijnend en doorzichtig materieel.
- 9.Onderneming voor metalen en niet-metalen dakbedekkingen,zink-,koper- en loodwerken;waterdichtings- en bedekkingswerken van gebouwen en daken met asfalt,teer of kunststof;industriële pijpleidingen;geluids- en warmteisolatie,lichte scheidingswanden,valse plafonds met al zijn toepassingen,al dan niet geprefabriceerd;het plaatsen van kunststofleidingen ondergronds en in gebouwen,dienende voor watervoorziening,afvalproducten en chemische producten,zowel hoge als lage druk;alle las- en verbindingstechnieken voor kunststofleidingen;onderneming voor het reinigen en ontmossen van daken,het restaureren en onderhouden van bestaande gebouwen en al wat daarmee rechtstreeks of onrechtstreeks verband houdt,het restaureren van monumenten,schrijnwerkerij en timmerwerken aan daken,afbraakwerken,algemene bouwwerken,ruwbouwwerken en onder dak brengen van gebouwen;het bouwen van stellingen alsmede het invoegen en reinigen van gevels.
- 10.Grond- en rioleringswerken;het leggen van sterkstroom- en telecommunicatiekabels in sleuven en ondergronds;watervoorziening en leggen van leidingen langs openbare en privéwegen;bestratingen en beplantingen van paden op openbare wegen en voor privédoeleinden;aanneming van allerhande betonwerken en -vloeren met inbegrip van industriële bedrijfsvloeren en machinale plaatsingen,betonverhardingen,zowel binnen als buiten;bouwen,herstellen en onderhouden van wegen;leggen van stoepdallen en betonklinkers.
- 11.Groothandel en kleinhandel in alle bouwmaterialen,hout,cement- en betonproducten;groothandel en kleinhandel in gereedschappen en ijzerwaren;import en export,groothandel en kleinhandel van menigvuldige goederen;groot- en kleinhandel,import en export,in wandtegels,meubelen,sanitaire artikelen,elektrische toestellen en verlichtingsartikelen met uitzondering van radio-elektrisch materieel.
- 12.Het leveren en plaatsen van ijzerwerk,metalen luiken en metalen schrijnwerk.
- 1.Boomkwekerij,boomkapper.
- 2.Drogen en verwerken van bomen en hout.
- 3.Houtzagerij,houtbewerking,schrijnwerkerij.
- 4.Vervaardiging van halfafgewerkte en afgewerkte producten uit de houtnijverheid.
- 5.Groot- en kleinhandel in bomen en in alle houtsoorten en houtwaren,in halfafgewerkte en afgewerkte producten uit de houtnijverheid,timmerwerk.
- 6.Plaatsing van producten uit de houtnijverheid,timmerwerk.
- 7.Commissionair bij handel in bomen,hout,halfafgewerkte en afgewerkte producten uit de houtnijverheid.
- 1.Onderneming voor het beheer van beleggingen en vermogens.
- 2.Onderneming in onroerende goederen,welke onder meer omvat:zowel voor eigen rekening als voor rekening van derden en zowel in België als in het buitenland,de verwerving,de vervreemding,het beheer,de uitbating,de valorisatie,de verkaveling,de ordening,de huur en het verhuur,het doen bouwen,verbouwen en renoveren,het verwezenlijken en oprichten van alle onroerende goederen,evenals het oprichten in mede-eigendom,het leasen van onroerende goederen,de procuratie,het nemen en afstaan van optierechten voor het kopen van onroerende goederen of immobiliënvennootschappen,de expertise en agentschapsdiensten inzake onroerende goederen.
- 2.Tussenhandelaar,de makelarij evenals welkdanige onroerende verhandeling tussen in de meest ruime zin,met inbegrip van onroerend leasing.
- 3.De participatie,onder welke vorm ook zij,in de oprichting,ontwikkeling,omvorming en controle van alle ondernemingen,Belgische of buitenlandse,commerciële,financiële,industriële of andere;de verwerving van eender welke titel of rechten door middel van participatie,inbreng,onderschrijving,koop,aankoopoptie,verhandeling,of op iedere andere wijze.
- 4.Het nemen,bekomen,toestaan,aankopen of afstaan van alle fabrieksmerken,patenten en vergunningen.
- 5.De vennootschap mag zich borg stellen en onroerende goederen in pand geven of hypothekeren voor verbintenissen door derde personen aangegaan.
- 5.Zij mag eveneens al haar andere goederen,met inbegrip van het handelsfonds,in pand geven en aval verlenen in het voordeel van derden.
- 6.Het verlenen van technische,administratieve,financiële en commerciële bijstand,in de meest ruime zin genomen,aan derden omvat onder meer een administratiekantoor en een beheersbureau.
- 7.Het verlenen aan de ondernemingen waarin zij deelneemt,al dan niet bezoldigd,van alle bijstand,hetzij technisch,commercieel,administratief of op het vlak van algemeen beheer,hetzij financieel,met inbegrip van de borgstelling,avalgeving en inpandgeving van onroerende goederen.
- 8.Het optreden als tussenpersoon bij onderhandelingen door gehele of gedeeltelijke overname van aandelen:in de meest ruime betekenis,het deelnemen aan emissieverrichtingen van aandelen en vastrentende waarden door intekening,waarborg,plaatsing,verhandeling,of anderszins,alsmede het verwezenlijken van om het even welke verrichtingen inzake portefeuille- of kapitaalbeheer.
- 9.De agentuur bij het afsluiten van verzekeringen,hypotheken,financiering en projectontwikkeling.
- 10.Tussenpersoon in de handel,zoals de makelaar in goederen,de zelfstandige handelsvertegenwoordiging en commissionair.
- 1.Het verwezenlijken van alle immobiliënverrichtingen en tevens het optreden als bouwpromotor,zowel promotie van gebouwen,als urbanisatieprojecten,en alle hoegenaamde verrichtingen als dusdanig te doen.
- 2.Het verwezenlijken van alle engineering-verrichtingen,zoals daar zijn,onder meer:engineering van industriële en handelscomplexen,zowel wat betreft bouw,als procedés.Met andere woorden:engineering van om het even welk project,sleutel op de deur,met inbegrip van inbedrijfstelling.
- 3.Alle coördinatieverrichtingen van belangrijke projecten,zowel voor eigen rekening als voor rekening van derden.
- 4.Optreden als tussenpersoon voor het afsluiten van allerhande verzekeringen,leningen en financieringen.
- 5.Het aannemen,het bouwen,verbouwen en verhandelen van woningen zowel in de particuliere,openbare als industriële sector,alsook herstellings- en restauratiewerken.
Invoicing and payment
VAT number
BE 0844.268.697
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 0844.268.697
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of May at 14:00
deed of 25-03-2024 (in Dutch)Environmental permits
1 application in Flanders since 2020 · 1 granted
Bouwen of herbouwen
Source: Omgevingsloket Vlaanderen.
Sites & property
Location
Buildings and parcels at the addresses
Ground area
1.9 ha
Building footprint
3,314 m²
Building volume
22,261 m³
Tallest building: 10.2 m.
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71353E0537/00D000 | Flanders | 1.0 ha | 1 · 3,205 m² | 10.2 m · 2 |
| 71353E0506/00R000 | Flanders | 8,746 m² | 1 · 109 m² | 0.1 m |