Equity
€93,751 ▲ 17.3%
STEVIC GROUP has made a profit in every financial year since 2021.
STEVIC GROUP
Lifetime
5 annual accounts with figures on one time axispeak €161,157 (2024)
-€11,220▼ €172,376
peak €67,451 (2024)
€13,801▼ 79.5%
peak €93,751 (2025)
€93,751▲ 17.3%
€783,967▲ 108%
Board3 names since 2019
1 directorVilcu Cristina
Documentsfilings and deeds
24-04-202683 days late
2025financial year
Gross margin from €161,157 to -€11,220Result from €67,451 to €13,801Equity from €79,950 to €93,751Debts from €377,586 to €783,967
Key points
from the 2025 annual accountsResult
€13,801 ▼ 79.5%
The result fell in 2025 from €67,451 to €13,801.
Debts
€783,967 89% of the balance sheet
Suppliers 84%Taxes and wages 3%Other 13%
Liquidity
1.11 was 0.63 in 2024
Short-term debts rose from €377,586 to €783,967.
Filings
5 annual accounts 83 days
Latest accounts filed late: after the legal deadline.
Position in the sector
10.7%
Lower solvency than 81% of companies in construction of buildings. Sector median 32.9% · 1,037 companies.
Checked score
50
Fair
Financially stronger than 26% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.4%
01-2025: 5.5%▲ +0.1 percentage points vs 12-2024
02-2025: 5.8%▲ +0.3 percentage points vs 01-2025
03-2025: 5.2%▼ -0.6 percentage points vs 02-2025
04-2025: 5.2%● unchanged vs 03-2025
05-2025: 5.2%● unchanged vs 04-2025
06-2025: 5.2%● unchanged vs 05-2025
07-2025: 5.2%● unchanged vs 06-2025
08-2025: 5.1%▼ -0.1 percentage points vs 07-2025
09-2025: 5.1%● unchanged vs 08-2025
10-2025: 5.0%▼ -0.1 percentage points vs 09-2025
11-2025: 5.0%● unchanged vs 10-2025
12-2025: 4.8%▼ -0.2 percentage points vs 11-2025
01-2026: 4.8%● unchanged vs 12-2025
02-2026: 5.4%▲ +0.6 percentage points vs 01-2026
03-2026: 5.0%▼ -0.4 percentage points vs 02-2026
04-2026: 6.2%▲ +1.2 percentage points vs 03-2026highest value
05-2026: 2.8%▼ -3.4 percentage points vs 04-2026
06-2026: 2.8%● unchanged vs 05-2026
07-2026: 2.7%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: 2.8%▲ +0.1 percentage points vs 07-2026
09-2026: 2.8%● unchanged vs 08-2026
10-2026: 3.0%▲ +0.2 percentage points vs 09-2026
11-2026: 2.9%▼ -0.1 percentage points vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 84 days late; 1 of the last 3 accounts late
Founded in 2019
lowers risk
Size: total assets €877,718
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 41, micro). It does better than 19% of them on solvency, 5% on liquidity, 17% on profitability and 62% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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).
Comparable companies, two years later
In July 2024, 2,372 companies had the same profile as STEVIC GROUP has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
1.4%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of STEVIC GROUP itself is higher: 2.9% within 12 months. It rests on far more data about STEVIC GROUP than the profile alone.
Test of the method
The method was tested on the 497,447 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 2,372 companies, not a prediction for STEVIC GROUP. 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.
Credit verdict
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.11 (0.63 in 2024), below the usual 1.5. Short-term debt is 89.3% and cash 2.6% of total assets. 89.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 1037 sector peers (2025).
NBB · sector comparisonPosition among 1037 sector peers
Solvency
better than 18%
← weakest
strongest →
raises risk · 2025 accounts filed 83 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-04-2026, 83 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 · 5 filingsDeviation from the deadline
2025
83 days late
2024
3 days late
2023
9 days early
2022
59 days late
2021
6 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 26 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 3 February (4 of the last 5 accounts filed within 56 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Board and ownership
- Vilcu Cristina 95 sharesdeed of 12-09-2022
- BIZGU Victor 5 sharesdeed of 12-09-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0738631145
Registered office moved from Ganshoren to Laeken
New registered office: Rue Léopold 1er 130 boîte 2, 1020 Laeken · Previous registered office: Avenue Charles-Qulnt 130, boite 2D, 1083 Ganshoren · Resignation: LIS llie (director) · General meeting of 01-04-2022 · Gazette deed
Registered office moved from Brussels to Ganshoren
Transfer of shares from VILCU Sergiu to LÎS llie · New registered office: Avenue Charles-Quint 130 Boîte 2D, 1083 Ganshoren · Previous registered office: Rue Léopold I 130, 1020 Bruxelles · General meeting of 02-09-2021 · Gazette deed
Incorporation
Founding capital of €3,000, 100 shares · Founder: VILCU Sergiu (comparant) · Appointment: VILCU Sergiu (director) · published on 04-12-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEVIC GROUP Brussels | €0.9m | -€11,220 | 10.7% | - |
| SMARTBOUW Anderlecht | €1.1m | -€8,743 | -13.0% | - |
| PHILIPPE FEVERY Knokke-Heist | €0.8m | -€40,033 | -8.2% | 0 |
| AtiCasa Beveren-Kruibeke-Zwijndrecht | €0.8m | -€49,958 | 17.1% | - |
| BEL-Construct Mechelen | €0.8m | -€3,357 | 16.8% | - |
| ANDRIBO Dilsen-Stokkem | €0.8m | -€4,386 | 1.8% | - |
| Pauwels Makeover Wijnegem | €0.9m | -€88,983 | -17.7% | - |
These companies have the same main activity as STEVIC GROUP: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €811,000 and €1.1m, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 02-12-2019Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.309.969.5791083 Ganshoren, since 02-12-2019
- Financial year end
- 30 June
- Peppol
- Reachable since 04-12-2025
Insights on STEVIC GROUP
STEVIC GROUP has existed since 2019. In 2024 the gross margin rose from €18,275 to €161,157.
Solvency fell in 2025 from 17.5% to 10.7% because of higher debts to suppliers.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STEVIC GROUP
- What is the company number of STEVIC GROUP?
- The company number of STEVIC GROUP is 0738.631.145. The VAT number is the same number with BE in front: BE 0738.631.145.
- Where is STEVIC GROUP based?
- The registered office is at Leopold I-straat 130, 1020 Brussels.Company details
- What does STEVIC GROUP do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of STEVIC GROUP?
- STEVIC GROUP is a private limited company (BV).
- When was STEVIC GROUP founded?
- STEVIC GROUP was founded on 02-12-2019.
- Is STEVIC GROUP still active?
- Yes, STEVIC GROUP is an active enterprise in the KBO register.
- What is the turnover of STEVIC GROUP?
- The annual accounts for financial year 2025 state no turnover.Financials
- Is STEVIC GROUP profitable?
- In financial year 2025, STEVIC GROUP made a profit of €13,801.
- Where can I find the annual accounts of STEVIC GROUP?
- STEVIC GROUP filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEVIC GROUP due?
- STEVIC GROUP must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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