STEVF
ActiveSummary
The computed 12-month bankruptcy probability of STEVF is 2.4% (moderate). The 2025 annual accounts show negative equity (-€1,652) and a net result of -€4,652. Its solvency ranks better than 25% of 16,925 sector peers (NACE 56, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Cafés and bars
NACE 56301
2 sites
Size
€67,036total assets 2025
- Equity
- -€1,652
- Loss
- -€4,652
Turnover not published (micro format)
Why 50raises riskFounded in 2025Negative equity -€1,652Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 0.94, cash €9,255Show the evidence
Checked score
Score 2025
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 19% of its sector peers (NACE 43, micro)
Financial strength
Weak
Solvency
23
equity -2.5% of total assets
Liquidity
46
short-term debt 44.5% · cash 13.8%
Profitability
10
return on assets -6.9%
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 2.2%lowest value
03-2026: 2.2%● unchanged vs 02-2026
04-2026: 2.3%▲ +0.1 percentage points vs 03-2026
05-2026: 2.8%▲ +0.5 percentage points vs 04-2026
06-2026: 2.8%● unchanged vs 05-2026
07-2026: 3.1%▲ +0.3 percentage points vs 06-2026
08-2026: 3.4%▲ +0.3 percentage points vs 07-2026
09-2026: 3.5%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 2.4%▼ -1.1 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.94, below 1; short-term debt: 44.5% and cash: 13.8% of total assets), and equity is negative.
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 43, micro): better than 8% on solvency, 36% on liquidity and 11% on profitability.
The bankruptcy probability was computed on 30-10-2026 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).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Six signals.
lowers riskraises 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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- Appointment: Stefanie Janssens (director)Gazette deed
- IncorporationAppointment: LUYTEN Steven (director) ·…
Financials · financial year 2025, micro format
Equity
-€1,652
Total assets
€67,036
Net result
-€4,652
Working capital
-€1,787
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
Assets €67,036
Fixed assets
€38,966
Current assets
€28,071
Equity and liabilities
Equity-€1,652
Debt€68,688
Equity is negative: debt (€68,688) exceeds the balance-sheet total (€67,036).
Key figures and ratios
EBITDA
-€2,168
Cash flow
-€2,678
Solvency
-2.5%
Current ratio
0.94
ROA
-6.9%
Interest coverage
-4.25
Debt
€68,688
Debt ≤ 1 year
€29,857
Debt > 1 year
€38,831
No debt to equity: equity is negative, so debt divided by equity means nothing.
Peer companies
Historical observationOf the 232 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96.1% are still going.
- Micro
- under 2 years old
- negative equity
- a small loss
1.7%
went bankrupt
2.2%
stopped otherwise
96.1%
still going
For this company itself Checked computes a higher bankruptcy probability: 2.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 232 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2025 |
|---|---|
| Non-recurring operating income76A | €11,500 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,975 |
| Other operating charges640/8 | €400 |
| Non-recurring operating charges66A | €95 |
| Gross operating margin9900 | -€1,673 |
| Operating profit (loss)9901 | -€4,142 |
| Financial charges65/66B | €510 |
| Recurring financial charges65 | €510 |
| Profit (loss) for the period before taxes9903 | -€4,652 |
| Profit (loss) for the period9904 | -€4,652 |
| Profit (loss) for the period to be appropriated9905 | -€4,652 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €67,036 | |
| Fixed assets21/28 | €38,966 | |
| Tangible fixed assets22/27 | €38,966 | |
| Plant, machinery and equipment23 | €3,294 | |
| Furniture and vehicles24 | €10,967 | |
| Assets under construction and advance payments27 | €24,705 | |
| Current assets29/58 | €28,071 | |
| Amounts receivable within one year40/41 | €17,643 | |
| Trade receivables40 | €12,102 | |
| Other amounts receivable41 | €5,541 | |
| Cash at bank and in hand54/58 | €9,255 | |
| Deferred charges and accrued income490/1 | €1,173 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €67,036 | |
| Equity10/15 | -€1,652 | |
| Contributions10/11 | €3,000 | |
| Profit (loss) carried forward14 | -€4,652 | |
| Amounts payable17/49 | €68,688 | |
| Amounts payable after more than one year17 | €38,831 | |
| Financial debts170/4 | €38,831 | |
| Amounts payable within one year42/48 | €29,857 | |
| Current portion of amounts payable after more than one year42 | €9,591 | |
| Trade debts44 | €4,401 | |
| Suppliers440/4 | €4,401 | |
| Advances received on contracts in progress46 | €12,311 | |
| Taxes, remuneration and social security45 | €1,500 | |
| Remuneration and social security454/9 | €1,500 | |
| Other amounts payable47/48 | €2,054 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€4,652 |
| + Depreciation and write-downs630 | €1,975 |
| Operating cash flow (approximation) | -€2,678 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 30-06-2026 | 2026-00221120 |
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 13,714 active companies whose main activity is cafés and bars (NACE 56301), figures are known for 5,119. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
2 directors, no change since 2026
LUYTEN Steven
CurrentDirector (not named in the articles) · since 13-01-2025
Stefanie JANSSENS
CurrentDirector (not named in the articles) · since 31-03-2026
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Mandate history
2 people since 2025, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| LUYTEN Steven |
|
| Stefanie JANSSENS |
|
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 13-01-2025 ↗
- LUYTEN Steven 49 shares (49%) · €1,470 in cash
- JANSSENS Stefanie 51 shares (51%) · €1,530 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 13-01-2025 Incorporation · €3,000 · 100 shares
Group and network
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
algemene bouwwerken Luyten
via LUYTEN Steven · Director (not named in the articles)
former→
History
Acts, filings and financial milestones
2026
30-06
NBB filing
Annual accounts filed
financial year 2025 · micro format
15-04
Gazette deed
Appointment: Stefanie Janssens (director)2 facts ▸
Gazette deed
Appointment: Stefanie Janssens (director)
2 facts ▸
- General meeting, 30-03-2026
- Director appointment, Stefanie Janssens (director (not named in the articles))
2025
13-01
Gazette deed
IncorporationAppointment: LUYTEN Steven (director) · Founding capital · Registered office clause18 facts ▸
Gazette deed
Incorporation
Appointment: LUYTEN Steven (director) · Founding capital · Registered office clause18 facts ▸
- Incorporation, 08-01-2025
- Founding capital, €3,000
- Registered office clause, “2260 Westerlo, Heidebloemstraat 3/2” (deed in Dutch)
- Board rule, 1
- Director appointment, LUYTEN Steven (director (not named in the articles))
- Declaration, “acceptance and no conflict, verklaart uitdrukkelijk zijn mandaat te aanvaarden en verklaart geen tegenstrijdige belangen te hebben en zich niet in een positie t…” (deed in Dutch)
- Director in office, LUYTEN Steven (director)
- Declaration, “central register check, De partijen erkennen te zijn ingelicht door de notaris, opsteller van de huidige akte, dat hij de verplichting heeft het Centraal regist…” (deed in Dutch)
- Declaration, “no ban, verklaart tevens uitdrukkelijk dat er lastens hem geen veroordeling tot een bestuurs- of ondernemingsverbod werd uitgesproken door een binnenlands en/of…” (deed in Dutch)
- Pre-incorporation commitments, “takeover, Alle verbintenissen en alle verplichtingen die eruit voortvloeien, en alle activiteiten ondernomen” (deed in Dutch)
- Power of attorney, LUYTEN Steven (2 times)
- Declaration, “service fee information, De lastgever verklaart dat hij voldoende werd ingelicht over de prijs van de dienstverlening, voorwerp van voorgaande volmacht.” (deed in Dutch)
- +6 further facts in this act
Gazette deedNBB filing
2 of 2 deeds read
Register details
Identification
Legal formPrivate limited company
Founded09-01-2025
Financial year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:1018465356
Registered
21-10-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWesterlounit no. 2.384.110.342
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Westerlo · 2 establishment units since 2025
Ground area
1,650 m²
Building footprint
289 m²
Building volume
2,711 m³
2 parcels, Flanders · tallest building 15.3 m. Linked by address, not a title deed.
4
companies at this address
See who is registered here
2 establishment units
STEVF
since 2025unit no. 2.369.583.801
Gravin de Merodestraat 17, 2260 Westerlo
since 2026unit no. 2.384.110.342
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13049D0008/00G000 | Flanders | 993 m² | 1 · 126 m² | 9.1 m · 2 |
| 13049D0939/00E005 | Flanders | 657 m² | 1 · 163 m² | 15.3 m · 4 |
How the parcels are linked
Good to know
Both parcels match the address exactly.
1 of these parcels carries protected heritage: expect extra rules on renovation or sale.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Algemene Bouwwerken; De uitbating van een café-taverne-verbruikzaal voor koude en warme dranken, sterke dranken, bieren, wijnen, likeuren…” (deed in Dutch)
10 activities (deed in Dutch)
- Algemene Bouwwerken
- De uitbating van een café-taverne-verbruikzaal voor koude en warme dranken, sterke dranken, bieren, wijnen, likeuren, frisdranken, ijscremes, snacks, dagschotels
- De uitbating van verbruikzalen, feestzalen, vergaderzalen
- De uitbating van restaurant en banketaannemingen (traiteur)
- Al wat daarmede rechtstreeks of onrechtstreeks verband houdt
- Administratie, consultancy en managementactiviteiten, omvattende onder meer: 1. Adviesbureau op het gebied van bedrijfsvoering en beheer waaronder onder meer maar niet uitsluitend het verlenen van advies en praktische hulp aan bedrijven in verband met public relations en communicatie, het verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op gebied van bijvoorbeeld planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding, het berekenen van de kosten en baten van de voorgestelde maatregelen op het gebied van planning, organisatie en efficiëntie, het verlenen van adviezen op het gebied van beheer in het algemeen; 2. Het tussenkomen in het dagelijks bestuur en het vertegenwoordigen van bedrijven door onder meer het uitoefenen van mandaten van bestuurder, zaakvoerder, directeur of vereffenaar; 3. Studie-, organisatie en raadgevend bureau inzake juridische, financiële, handels-, bedrijfseconomische of sociale aangelegenheden met inbegrip van alle handelingen die verband houden met advies, documentatie en publicatie over juridische, sociale, economische en financiële problemen; 4. Het begeleiden van bedrijven op het gebied van handel, nijverheid en administratie, het verrichten van secretariaatswerkzaamheden, het domiciliëren van bedrijven, het ter beschikking stellen van kantoren, magazijnen en fabricageruimten, het verrichten van voorbereidende studies en adviezen op gebied van management, bedrijfsvoering, economische wetgeving, marketing, export en import, het drukken en uitgeven van studies, rapporten en het verlenen van hulp aan bedrijven in oprichting of bij overname van bestaande bedrijven, zenden en ontvangen van post en meer in het algemeen alles te doen wat de oprichting, de uitbating en het beheer van de bedrijven van nut kan zijn.
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals onder meer erfpacht- en opstalrechten en de huurfinanciering van onroerende goederen aan derden, het aankopen en verkopen zowel in volle eigendom als in vruchtgebruik en/of blote eigendom, ruilen, doen bouwen, doen verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen, de aan- en verkoop, huur en verhuur van roerende goederen betreffende de inrichting en uitrusting van onroerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen. In dit verband mag de vennootschap onroerende goederen in hypotheek geven, alsook zich borg stellen of haar goederen in hypotheek geven, voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van (een gedeelte van) deze onroerende goederen.
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend patrimonium, alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten rechtspersonen en ondernemingen.
- Het verwerven van participaties in eender welke vorm in alle bestaande of nog op te richten rechtspersonen en vennootschappen, het stimuleren, de planning, de coördinatie van de ontwikkeling en investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt.
- Het toestaan van leningen, kredietopeningen, borgstellingen en andere zekerheden aan rechtspersonen en ondernemingen of particulieren, onder om het even welke vorm; in dit kader kan zij alle handels- en financiële operaties verrichten behalve deze die wettelijk voorbehouden zijn aan depositobanken, houders van deposito’s op korte termijn, spaarkassen, hypotheekmaatschappijen en kapitalisatieondernemingen.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- STEVF
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, eenvoudige beslissing van het bestuursorgaan naar tweetalig gebied Brussel Hoofdstad of Nederlands taalgebied” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, één of meer bestuurders” (deed in Dutch)“Bijzondere machten aan elke mandataris, jegen derden en in rechte als eiser of verweerder” (deed in Dutch)“Algemene kosten los van representatie-, reis- en verplaatsingskosten, vaste of evenredige vergoeding” (deed in Dutch)“Bestuursorgaan kan dagelijks bestuur en vertegenwoordiging opdragen aan één of meer leden (gedelegeerd bestuurder) of één of meer directeurs” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Gelijk recht in de winstverdeling en in het vereffeningsaldo, 100” (deed in Dutch)“Op naam, aandelen” (deed in Dutch)“Op naam, andere effecten” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- 2 provisions in the deed
- Share issue ruleHow and by whom new shares can be issued.
- “Dag van de openstelling van de intekening, 15” (deed in Dutch)
- Profit allocationHow profit is distributed; a BV may only pay out after a balance-sheet and liquidity test.
- “Bestuursorgaan, algemene vergadering” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Thursday of June at 18:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Beslissing van de algemene vergadering, in de vormen vereist voor de statutenwijziging” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Indien geen andere vereffenaar zou zijn benoemd, bestuurder(s) in functie” (deed in Dutch)