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STEVENY

Active
Public limited companyfounded 1968active for 58 yearsRoute de Hannut(BU) 98, 5004 Namur, BelgiumKBO/BCE: BE 0401.401.044
Summary

STEVENY has been active since 1968 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.9m and a net result of €2.0m. Equity is growing by about 14% per year across the filed financial years. Its solvency ranks better than 16% of 4,942 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.5% (low).

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
Largest employer in Namur, Wholesale and retail trade sector19 sites
Size
€149.8mturnover 2025
Staff
203.7 FTE
Equity
€4.9m
Profit
€2.0m
Financial health
63 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.5%
Structure
Parent
STEVENY HOLDING · 100%
Auditor: REMON & COAccounts filed 66 days late1 of 18 deeds read
Why 63raises riskLiquidity: current ratio 1.05, cash €381,875, halvedEquity €4.9m (5.7% of total assets)Latest accounts 66 days late; 3 of the last 3 latelowers riskSize: turnover €149.8m, 203.7 FTE, total assets €85.8mShow the evidence

Checked score

Score 2025
63 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 32% of its sector peers (NACE 47, medium-sized)
Financial strength · tick = 2024
Weak
Solvency 31-1
equity 5.7% of total assets
Liquidity 1-5
short-term debt 90.3% · cash 0.4%
Profitability 46+10
return on assets 2.4%
Bankruptcy probability, 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (384 companies, NACE 47, medium-sized)
Last 24 months 11-2024: 2.6% 12-2024: 2.9%▲ +0.3 percentage points vs 11-2024highest value 01-2025: 1.1%▼ -1.8 percentage points vs 12-2024 02-2025: 1.1%● unchanged vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.1%● unchanged vs 05-2025 07-2025: 1.3%▲ +0.2 percentage points vs 06-2025 08-2025: 1.7%▲ +0.4 percentage points vs 07-2025 09-2025: 2.0%▲ +0.3 percentage points vs 08-2025 10-2025: 0.9%▼ -1.1 percentage points vs 09-2025 11-2025: 0.9%● unchanged vs 10-2025 12-2025: 0.9%● unchanged vs 11-2025 01-2026: 0.9%● unchanged vs 12-2025 02-2026: 0.9%● unchanged vs 01-2026 03-2026: 0.8%▼ -0.1 percentage points vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026lowest value 05-2026: 0.8%● unchanged vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.9%▲ +0.1 percentage points vs 06-2026 08-2026: 1.5%▲ +0.6 percentage points vs 07-2026 09-2026: 1.8%▲ +0.3 percentage points vs 08-2026 10-2026: 1.5%▼ -0.3 percentage points vs 09-2026
Credit of up to €300,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.05, compared with 1.04 in 2024, below the usual 1.5; short-term debt: 90.3% and cash: 0.4% of total assets), and 94.3% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, medium-sized): better than 17% on solvency, 3% on liquidity, 35% on profitability and 73% on growth.

The bankruptcy probability was computed on 15-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 1.05, cash €381,875, halved
NBB · annual accounts
raises risk · Equity €4.9m (5.7% of total assets)
NBB · annual accounts
raises risk · Latest accounts 66 days late; 3 of the last 3 late
NBB · filings
lowers risk · Size: turnover €149.8m, 203.7 FTE, total assets €85.8m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 4942 sector peers (2025).
NBB · sector comparison
Position among 4942 sector peers
Solvency
better than 16%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-10-2026, 66 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
66 days late
2024
34 days late
2023
124 days late
2022
76 days late
2021
80 days late
2020
123 days late
2019
106 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 87 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% 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 15 October (4 of the last 5 filed years within 42 days of that day).
Companies Code · seven months
Where today falls in the filing period
16-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Permanent representative: Christophe RemonAppointment: Remon & Co (statutory…
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Positive: Result rose in 2025from €589,106 to €2.0m ▲ 243% View
  • Positive: Largest employer in Namur, Wholesale and retail trade sectorin the Checked rankings No. 1 View
  • Caution: Latest accounts filed lateafter the legal deadline 66 days View
  • Positive: 8 profitable years in a rowprofit 2025: €2.0m 8 years View
  • Controlled by STEVENY HOLDING 100% View
  • Active since 1968founded 01-01-1968 58 years View

By topic

Financials

Financial year
2025
Turnover
€149.8m
Profit
€2.0m
Solvency
5.7%
Turnover▲ 41.7%
Net result
20182025
Go to Financials

Timeline

Events
52
Since
1978
Next accounts
by 31-07-2027
  1. 02-12-2024Annual accounts filed
  2. 15-10-2023Annual accounts filed
  3. 31-12-2022Highest result from 2018 to 2025
Go to Timeline

Company details

Sites
19
Legal form
Public limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
01-01-1968
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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