From the official registers: KBO 8 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
STEVENS Construct & Design has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show a net result of €32,745. Equity has been shrinking by about 4.7% per year since 2018. Its net result ranks better than 77% of 34,889 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Overview
Official details
KBO- Status
- Active since 02-02-2018 Normal situation
- Activity
- Other construction installation NACE 43240
- Establishment unit
- 2.272.595.479 9310 Aalst, since 02-02-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 01-11-2025
Board and ownership
- STEVENS CharlotteDirector
- STEVENS FrankDirector
- Stevens SanderDirector
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.4%
- Gross margin
- €52,073
- ▲ 204%
- Turnover
- ≈ €200,000
- estimated
- Profit
- €32,745
- ▲ 414%
- Total assets
- €81,349
- ▲ 23.4%
Signalsraises riskEigen vermogen niet neergelegdSector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 0.92, cash €70,335Size: total assets €81,349neutralA punctual record breaksShow the evidence
Bankruptcy probability
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 7 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)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 27 days after the deadline Filed on 27 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00476747.
Annual accounts 2025 filed on 27-08-2026 at the NBB all 8 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is over 4.7 times that of 2024. It is a recovery after the fall in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Specialised construction activities (NACE 43). 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 dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Comparable companies
These companies have the same main activity as STEVENS Construct & Design: other construction installation (NACE 43240). They are comparable in size and age: total assets between €68,600 and €107,000, founded between 2015 and 2018.
| Company | Founded | Total assets | Equity | Gross margin | Turnover | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|---|
| STEVENS Construct & Design Aalst | 2018 | €81,349 | - | €52,073 | - | €32,745 | - | 2025 |
| PRO-FIBRE La Louvière | 2018 | €93,516 | €76,231 | €46,008 | €313,450 | €7,538 | - | 2024 |
| m-elek Heusden-Zolder | 2018 | €73,964 | €65,770 | €42,802 | - | -€5,285 | - | 2025 |
| Tech-Assist Denderleeuw | 2017 | €106,591 | €20,460 | €42,652 | - | €27,128 | - | 2025 |
| ALION SERVICES Aalst | 2015 | €88,555 | €45,223 | €35,056 | €191,375 | €456 | 0.3 | 2025 |
| AZ Bureautique Malmedy | 2016 | €68,621 | €36,033 | €68,186 | - | €3,461 | - | 2025 |
| DK EXPERT Ternat | 2017 | €83,197 | €70,318 | €31,832 | - | €15,692 | - | 2025 |
They were chosen from the 1,563 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,476 | €12,635 | €13,382 | €12,900 | €12,010 | €6,579 | €6,401 | €5,011 | ▼ 21.7% |
| Other operating charges640/8 | - | - | - | €1,144 | €1,259 | €1,285 | €1,106 | €1,476 | ▲ 33.4% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €37 | - |
| Gross operating margin9900 | €36,765 | €45,460 | €64,743 | €60,870 | €59,158 | €20,912 | €17,147 | €52,073 | ▲ 204% |
| Operating profit (loss)9901 | €31,159 | €31,452 | €50,505 | €46,826 | €45,889 | €13,047 | €9,640 | €45,549 | ▲ 373% |
| Financial income75/76B | - | - | - | €131 | €159 | €13 | €102 | €95 | ▼ 7.2% |
| Recurring financial income75 | €22 | €14 | €26 | €131 | €159 | €13 | €102 | €95 | ▼ 7.2% |
| Financial charges65/66B | - | - | - | €382 | €507 | €308 | €346 | €444 | ▲ 28.3% |
| Recurring financial charges65 | €60 | €554 | €487 | €382 | €507 | €308 | €346 | €444 | ▲ 28.3% |
| Profit (loss) for the period before taxes9903 | €31,121 | €30,912 | €50,044 | €46,575 | €45,541 | €12,752 | €9,396 | €45,200 | ▲ 381% |
| Income taxes67/77 | €9,413 | €3,914 | €10,867 | €12,842 | €12,225 | €3,790 | €3,029 | €12,455 | ▲ 311% |
| Profit (loss) for the period9904 | €21,708 | €26,998 | €39,178 | €33,734 | €33,316 | €8,962 | €6,367 | €32,745 | ▲ 414% |
| Profit (loss) for the period to be appropriated9905 | €21,708 | €26,998 | €39,178 | €33,734 | €33,316 | €8,962 | €6,367 | €32,745 | ▲ 414% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €56,709 | €107,616 | €146,517 | €166,729 | €121,042 | €77,803 | €65,927 | €81,349 | ▲ 23.4% |
| Formation expenses20 | €94 | - | - | - | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €13,512 | €32,866 | €25,530 | €15,134 | €19,755 | €14,671 | €10,765 | €6,545 | ▼ 39.2% |
| Tangible fixed assets22/27 | €13,512 | €32,866 | €25,530 | €15,134 | €19,755 | €14,671 | €10,765 | €6,545 | ▼ 39.2% |
| Plant, machinery and equipment23 | - | - | - | €5,656 | €17,527 | €13,463 | €10,577 | €5,991 | ▼ 43.4% |
| Furniture and vehicles24 | - | - | - | €9,478 | €2,228 | €1,208 | €188 | €554 | ▲ 195% |
| Current assets29/58 | €43,103 | €74,750 | €120,987 | €151,596 | €101,287 | €63,131 | €55,162 | €74,804 | ▲ 35.6% |
| Stocks and contracts in progress3 | €40 | €160 | €135 | €155 | €21,029 | €2,009 | €13,218 | €94 | ▼ 99.3% |
| Stocks30/36 | - | - | - | €155 | €29 | €9 | €39 | €94 | ▲ 141% |
| Contracts in progress37 | - | - | - | - | €21,000 | €2,000 | €13,179 | - | - |
| Amounts receivable within one year40/41 | €1,578 | €12,604 | €4,119 | €9,053 | €23,730 | €24,156 | €8,717 | €4,075 | ▼ 53.3% |
| Trade receivables40 | - | - | - | €5,097 | €11,016 | €16,758 | €2,182 | €3,481 | ▲ 59.6% |
| Other amounts receivable41 | - | - | - | €3,956 | €12,714 | €7,398 | €6,535 | €593 | ▼ 90.9% |
| Cash at bank and in hand54/58 | €41,484 | €61,826 | €113,570 | €139,160 | €55,440 | €36,405 | €32,899 | €70,335 | ▲ 114% |
| Deferred charges and accrued income490/1 | - | - | - | €3,227 | €1,088 | €562 | €328 | €300 | ▼ 8.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €56,709 | €107,616 | €146,517 | €166,729 | €121,042 | €77,803 | €65,927 | €81,349 | ▲ 23.4% |
| Equity10/15 | €40,308 | €67,306 | €106,484 | €40,217 | €33,533 | €34,495 | €34,862 | - | - |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | - | - |
| Contributions outside capital11 | - | - | - | €18,600 | - | - | - | - | - |
| Other1109/19 | - | - | - | €18,600 | - | - | - | - | - |
| Reserves13 | €21,708 | €48,706 | €87,884 | €21,617 | €14,933 | €15,895 | €16,262 | - | - |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | - | €19,757 | €13,073 | €15,895 | €16,262 | - | - |
| Amounts payable17/49 | €16,401 | €40,310 | €40,033 | €126,512 | €87,509 | €43,307 | €31,065 | €81,349 | ▲ 162% |
| Amounts payable after more than one year17 | - | €13,590 | €7,135 | €554 | - | - | - | - | - |
| Financial debts170/4 | - | - | - | €554 | - | - | - | - | - |
| Amounts payable within one year42/48 | €16,401 | €22,938 | €22,957 | €124,248 | €87,509 | €42,401 | €30,539 | €81,349 | ▲ 166% |
| Current portion of amounts payable after more than one year42 | - | - | - | €6,581 | €554 | - | - | - | - |
| Trade debts44 | €1,915 | €9,770 | €5,009 | €15,826 | €2,614 | €401 | €209 | €2,347 | ▲ 11× |
| Suppliers440/4 | - | - | - | €15,826 | €2,614 | €401 | €209 | €2,347 | ▲ 11× |
| Taxes, remuneration and social security45 | - | - | - | €16,842 | €7,842 | €1,200 | €1,429 | €20,563 | ▲ 14× |
| Taxes450/3 | - | - | - | €16,842 | €7,842 | €1,200 | €1,429 | €20,563 | ▲ 14× |
| Other amounts payable47/48 | - | - | - | €85,000 | €76,500 | €40,800 | €28,900 | €58,439 | ▲ 102% |
| Accrued charges and deferred income492/3 | - | - | - | €1,710 | - | €906 | €527 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,708 | €26,998 | €39,178 | €33,734 | €33,316 | €8,962 | €6,367 | €32,745 | ▲ 414% |
| + Depreciation and write-downs630 | €5,476 | €12,635 | €13,382 | €12,900 | €12,010 | €6,579 | €6,401 | €5,011 | ▼ 21.7% |
| Operating cash flow (approximation) | €27,183 | €39,633 | €52,559 | €46,633 | €45,326 | €15,542 | €12,768 | €37,755 | ▲ 196% |
| Investment in fixed assets (approximation) | - | -€31,989 | -€6,046 | -€2,504 | -€16,631 | -€1,496 | -€2,495 | -€791 | ▲ 68.3% |
| Change in cash | - | €20,342 | €51,744 | €25,590 | -€83,720 | -€19,035 | -€3,505 | €37,436 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (8)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 27-08-2026 | 2026-00476747 | NBB |
| 31-12-2024 | micro format | 27-06-2025 | 2025-00226648 | |
| 31-12-2023 | micro format | 02-07-2024 | 2024-00220602 | |
| 31-12-2022 | micro format | 04-07-2023 | 2023-00221396 | |
| 31-12-2021 | micro format | 30-06-2022 | 2022-20140032 | |
| 31-12-2020 | micro format | 11-08-2021 | 2021-48600167 | |
| 31-12-2019 | micro format | 31-08-2020 | 2020-50200323 | |
| 31-12-2018 | micro format | 11-07-2019 | 2019-32300501 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 25-01-2024 Converted to unavailable equity · €20,460
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| STEVENS Charlotte |
|
| STEVENS Frank |
|
| Stevens Sander |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Algemene vergadering, niet zonder tegelijk opvolger benoemen”“Vertegenwoordiging wat dat bestuur aangaat, op elk ogenblik”
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Aandelen waarvan overdracht voorgesteld, geen beroep op rechter tegen weigering”
Audit, dissolution and liquidation
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Op elk moment door beslissing algemene vergadering beslissende in vormen vereist voor statutenwijziging, ontbinding”
- 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, vereffenaars”
Articles of association, deed of 25-01-2024 (in Dutch)
Network & group
STEVENS Construct & Design shares no director with another company.
Connections & network
3 current directorsThe network starts from the directors of STEVENS Construct & Design. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
25-01
Gazette deed
Resignations: STEVENS Frank (manager) and STEVENS Charlotte (manager)Appointments: STEVENS Frank (director) and STEVENS Charlotte (director) · Amendment of the articles · Director discharge12 points ▸
- General meeting, 21-11-2023
- Amendment of the articles
- Director resignation, STEVENS Frank (manager)
- Director resignation, STEVENS Charlotte (manager)
- Director appointment, STEVENS Frank (director (not named in the articles))
- Director appointment, STEVENS Charlotte (director (not named in the articles))
- Director discharge, STEVENS Frank
- Director discharge, STEVENS Charlotte
- Registered office clause, “9310 Aalst (Herdersem),Kapelleommegang 34” (deed in Dutch)
- General meeting, “alle besluiten elk afzonderlijk achtereenvolgend en met algemeenheid van stemmen genomen” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “vormen en meerderheden van de statutenwijziging, opheffing” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Invoicing and payment
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 0689.747.501
Financial year and general meeting
Accounts at the NBBSites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 41026B0042/00B000 | Flanders | 1,378 m² | 1 · 198 m² | 8.3 m · 1 |