STEVIC GROUP
ActiveSummary
The computed 12-month bankruptcy probability of STEVIC GROUP is 3.2% (moderate). The 2025 annual accounts show equity of €94k and a net result of €14k. Equity is growing by ~94.9% per year across the filed fiscal years. Its solvency ranks better than 17% of 837 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability21▼-66
Solvency36▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.11 against 0.63 in 2024; short-term debt: 89.3% and cash: 2.6% of total assets), and 89.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
10.7%
Return on assets
1.6%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 837 sector peers (2025).
NBB · sector comparisonPosition among 837 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
83 d late
2024
3 d late
2023
9 d early
2022
59 d late
2021
6 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14k▼ 79.5%
2024 · €67k
2021: €17k
2022: €3k▼ -80.1% vs 2021
2023: €1k▼ -57.8% vs 2022lowest in 5 years
2024: €67k▲ +4698% vs 2023highest in 5 years
2025: €14k▼ -79.5% vs 2024
2021 → 2025
Working capital
€90k
2024 · €-140k
2021: €-10k
2022: €-1k▲ +88.3% vs 2021
2023: €1k▲ +194% vs 2022
2024: €-140k▼ -13166% vs 2023lowest in 5 years
2025: €90k▲ +164% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€11k▲ 42.9%€12k▲ 12.7%€80k▲ 540%€94k▲ 17.3%
2021: €8klowest in 5 years
2022: €11k▲ +42.9% vs 2021
2023: €12k▲ +12.7% vs 2022
2024: €80k▲ +540% vs 2023
2025: €94k▲ +17.3% vs 2024highest in 5 years
Operating result€22k-€7k▼ 67.0%€4k▼ 48.1%€95k▲ 2,471%€-30k
2021: €22k
2022: €7k▼ -67.0% vs 2021
2023: €4k▼ -48.1% vs 2022
2024: €95k▲ +2471% vs 2023highest in 5 years
2025: €-30k▼ -132% vs 2024lowest in 5 years
Net result€17k-€3k▼ 80.1%€1k▼ 57.8%€67k▲ 4,698%€14k▼ 79.5%
2021: €17k
2022: €3k▼ -80.1% vs 2021
2023: €1k▼ -57.8% vs 2022lowest in 5 years
2024: €67k▲ +4698% vs 2023highest in 5 years
2025: €14k▼ -79.5% vs 2024
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €30k after €95k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €878k
Fixed assets
€4k ▼ 98.2%
Current assets
€874k ▲ 267%
Equity and liabilities €878k
Equity
€94k ▲ 17.3%
Debt
€784k ▲ 108%
Debt's share of the balance-sheet total rises from 82.5% to 89.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-27k▼
2024 · €102k
Cash flow
€17k▼
2024 · €75k
Current ratio
1.11▲
2024 · 0.63
Quick ratio
0.86▲
2024 · 0.63
Debt to equity
8.36▲
2024 · 4.72
ROE
14.7%▼
2024 · 84.4%
ROA
1.6%▼
2024 · 14.7%
Interest coverage
-8.43▼
2024 · 218.69
Debt ≤ 1 year
€784k▲
2024 · €378k
Income taxes
€8k▼
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€458k€878k▲
Fixed assets21/28€220k€4k▼
Tangible fixed assets22/27€220k€2k▼
Land and buildings22€215k-
Furniture and vehicles24€5k€2k▼
Financial fixed assets28-€2k
Current assets29/58€238k€874k▲
Stocks and contracts in progress3-€198k
Stocks30/36-€198k
Amounts receivable within one year40/41€237k€653k▲
Trade receivables40€218k€568k▲
Other amounts receivable41€20k€85k▲
Cash at bank and in hand54/58-€23k
Deferred charges and accrued income490/1€350€513▲
Equity and liabilities
Total equity and liabilities10/49€458k€878k▲
Equity10/15€80k€94k▲
Contributions10/11€3k€3k=
Reserves13€300€13k▲
Non-distributable reserves130/1€300€300=
Reserves not available under the articles1311€300€300=
Distributable reserves133-€13k
Profit (loss) carried forward14€77k€77k▲
Amounts payable17/49€378k€784k▲
Amounts payable within one year42/48€378k€784k▲
Financial debts43€10k-
Credit institutions430/8€10k-
Trade debts44€214k€661k▲
Suppliers440/4€214k€661k▲
Taxes, remuneration and social security45€27k€20k▼
Taxes450/3€27k€8k▼
Remuneration and social security454/9-€12k
Other amounts payable47/48€127k€103k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€56k-
Other operating charges640/8€3k€16k▲
Gross operating margin9900€161k€-11k▼
Operating profit (loss)9901€95k€-30k▼
Financial income75/76B€3€56k▲
Recurring financial income75€3€56k▲
Financial charges65/66B€468€3k▲
Recurring financial charges65€468€3k▲
Profit (loss) for the period before taxes9903€95k€22k▼
Income taxes67/77€27k€8k▼
Profit (loss) for the period9904€67k€14k▼
Profit (loss) for the period to be appropriated9905€67k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€90k▲
Profit (loss) brought forward from the previous period14P€9k€77k▲
Transfer to equity691/2-€13k
To other reserves6921-€13k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €11k | €12k | €7k | €3k | ▼ 54.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €56k | - | - |
| Other operating charges640/8 | - | €3k | €2k | €3k | €16k | ▲ 408% |
| Gross operating margin9900 | €31k | €21k | €18k | €161k | €-11k | ▼ 107% |
| Operating profit (loss)9901 | €22k | €7k | €4k | €95k | €-30k | ▼ 132% |
| Financial income75/76B | - | - | €0 | €3 | €56k | ▲ 1,643,869% |
| Recurring financial income75 | €0 | - | €0 | €3 | €56k | ▲ 1,643,869% |
| Financial charges65/66B | - | €1k | €416 | €468 | €3k | ▲ 584% |
| Recurring financial charges65 | €3k | €1k | €416 | €468 | €3k | ▲ 584% |
| Profit (loss) for the period before taxes9903 | €18k | €6k | €3k | €95k | €22k | ▼ 76.5% |
| Income taxes67/77 | €2k | €3k | €2k | €27k | €8k | ▼ 69.1% |
| Profit (loss) for the period9904 | €17k | €3k | €1k | €67k | €14k | ▼ 79.5% |
| Profit (loss) for the period to be appropriated9905 | €17k | €3k | €1k | €67k | €14k | ▼ 79.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €234k | €309k | €235k | €458k | €878k | ▲ 91.8% |
| Fixed assets21/28 | €24k | €14k | €11k | €220k | €4k | ▼ 98.2% |
| Tangible fixed assets22/27 | €24k | €14k | €11k | €220k | €2k | ▼ 99.0% |
| Land and buildings22 | - | - | - | €215k | - | - |
| Furniture and vehicles24 | - | €14k | €11k | €5k | €2k | ▼ 54.5% |
| Financial fixed assets28 | - | - | - | - | €2k | - |
| Current assets29/58 | €210k | €295k | €224k | €238k | €874k | ▲ 267% |
| Stocks and contracts in progress3 | - | - | - | - | €198k | - |
| Stocks30/36 | - | - | - | - | €198k | - |
| Amounts receivable within one year40/41 | €199k | €230k | €207k | €237k | €653k | ▲ 175% |
| Trade receivables40 | - | €209k | €195k | €218k | €568k | ▲ 161% |
| Other amounts receivable41 | - | €20k | €12k | €20k | €85k | ▲ 332% |
| Cash at bank and in hand54/58 | €8k | €64k | €16k | - | €23k | - |
| Deferred charges and accrued income490/1 | - | €2k | €526 | €350 | €513 | ▲ 46.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €234k | €309k | €235k | €458k | €878k | ▲ 91.8% |
| Equity10/15 | €8k | €11k | €12k | €80k | €94k | ▲ 17.3% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves13 | €300 | €300 | €300 | €300 | €13k | ▲ 4,333% |
| Non-distributable reserves130/1 | - | €300 | €300 | €300 | €300 | = |
| Reserves not available under the articles1311 | - | €300 | €300 | €300 | €300 | = |
| Distributable reserves133 | - | - | - | - | €13k | - |
| Profit (loss) carried forward14 | €4k | €8k | €9k | €77k | €77k | ▲ 1.0% |
| Amounts payable17/49 | €226k | €298k | €222k | €378k | €784k | ▲ 108% |
| Amounts payable after more than one year17 | €7k | €2k | - | - | - | - |
| Financial debts170/4 | - | €2k | - | - | - | - |
| Amounts payable within one year42/48 | €219k | €296k | €222k | €378k | €784k | ▲ 108% |
| Current portion of amounts payable after more than one year42 | - | €5k | €2k | - | - | - |
| Financial debts43 | - | - | - | €10k | - | - |
| Credit institutions430/8 | - | - | - | €10k | - | - |
| Trade debts44 | €176k | €230k | €115k | €214k | €661k | ▲ 210% |
| Suppliers440/4 | - | €230k | €115k | €214k | €661k | ▲ 210% |
| Taxes, remuneration and social security45 | - | €9k | €5k | €27k | €20k | ▼ 26.4% |
| Taxes450/3 | - | €3k | €5k | €27k | €8k | ▼ 69.1% |
| Remuneration and social security454/9 | - | €6k | - | - | €12k | - |
| Other amounts payable47/48 | - | €52k | €101k | €127k | €103k | ▼ 19.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17k | €3k | €1k | €67k | €14k | ▼ 79.5% |
| + Depreciation and write-downs630 | €7k | €11k | €12k | €7k | €3k | ▼ 54.0% |
| Operating cash flow (approximation) | €24k | €14k | €14k | €75k | €17k | ▼ 77.0% |
| Investment in fixed assets (approximation) | - | €0 | €-10k | €-216k | €212k | ▲ 199% |
| Change in cash | - | €56k | €-48k | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 83 days late
2025
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-06
Financial
Highest result since 2021net €67k ▲4,698%
Operating result €95k, net result €67k, both a record.
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €1k ▼57.8%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2019
Ground area
291 m²
Building footprint
259 m²
Volume, LiDAR
2,919 m³
2 parcels, Brussels · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
STEVIC GROUP
since 20192.309.969.579
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21392B0100/00E004 | Brussels | 174 m² | 1 · 142 m² | 16.5 m · 3 fl. |
| 21815D0065/00Y000 | Brussels | 117 m² | 1 · 117 m² | 18.8 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 13,169 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-12-2019
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
81220Other building cleaning and industrial cleaning
Scores and ratios are computed by Checked and are not a credit decision.