STEVO
ActiveSummary
The computed 12-month bankruptcy probability of STEVO is 2.2% (moderate). The 2025 annual accounts show equity of €74k and a net result of €25k. Equity is growing by ~53.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 27965 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100▲+13
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 1.8 in 2024; short-term debt: 21.7% and cash: 57.5% of total assets), and 21.7% of the assets are financed with debt.
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Signals
Four 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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
78.3%
Return on assets
26.7%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
18 d early
2024
36 d early
2023
15 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€74k▲ 51.8%
2024 · €49k
Total assets
€95k▲ 20.3%
2024 · €79k
Net result
€25k▼ 4.7%
2024 · €27k
Working capital
€45k▲ 93.3%
2024 · €23k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€25k-€34k▲ 37.1%€32k▼ 5.4%
Net result€19k-€27k▲ 37.8%€25k▼ 4.7%
Equity€22k-€49k▲ 119%€74k▲ 51.8%
Total assets€76k-€79k▲ 3.9%€95k▲ 20.3%
Debt€53k-€30k▼ 44.1%€21k▼ 31.3%
Working capital€-5k-€23k€45k▲ 93.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€29k ▲ 11.0%
Current assets
€66k ▲ 24.9%
Equity and liabilities €95k
Equity
€74k ▲ 51.8%
Debt
€21k ▼ 31.3%
Debt's share of the balance-sheet total falls from 38.0% to 21.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €44k
Cash flow
€37k▲
2024 · €36k
Current ratio
3.20▲
2024 · 1.80
Debt to equity
0.28▼
2024 · 0.61
ROE
34.1%▼
2024 · 54.4%
ROA
26.7%▼
2024 · 33.7%
Interest coverage
168.78▲
2024 · 97.85
Debt ≤ 1 year
€21k▼
2024 · €29k
Debt > 1 year
€0▼
2024 · €611
Income taxes
€7k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €9k | €11k | ▲ 22.0% |
| Other operating charges640/8 | €718 | €583 | €658 | ▲ 12.8% |
| Non-recurring operating charges66A | - | €349 | €0 | ▼ 100% |
| Gross operating margin9900 | €32k | €45k | €44k | ▼ 0.1% |
| Operating profit (loss)9901 | €25k | €34k | €32k | ▼ 5.4% |
| Financial income75/76B | €110 | €199 | €210 | ▲ 5.6% |
| Recurring financial income75 | €110 | €199 | €210 | ▲ 5.6% |
| Financial charges65/66B | €530 | €445 | €260 | ▼ 41.7% |
| Recurring financial charges65 | €530 | €445 | €260 | ▼ 41.7% |
| Profit (loss) for the period before taxes9903 | €25k | €34k | €32k | ▼ 4.8% |
| Income taxes67/77 | €5k | €7k | €7k | ▼ 5.3% |
| Profit (loss) for the period9904 | €19k | €27k | €25k | ▼ 4.7% |
| Profit (loss) for the period to be appropriated9905 | €19k | €27k | €25k | ▼ 4.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €76k | €79k | €95k | ▲ 20.3% |
| Fixed assets21/28 | €35k | €26k | €29k | ▲ 11.0% |
| Tangible fixed assets22/27 | €35k | €26k | €29k | ▲ 11.0% |
| Plant, machinery and equipment23 | €6k | €4k | €13k | ▲ 188% |
| Furniture and vehicles24 | €30k | €22k | €16k | ▼ 25.5% |
| Current assets29/58 | €40k | €53k | €66k | ▲ 24.9% |
| Amounts receivable within one year40/41 | €18k | €9k | €11k | ▲ 20.5% |
| Trade receivables40 | €14k | €7k | €5k | ▼ 29.5% |
| Other amounts receivable41 | €4k | €3k | €6k | ▲ 145% |
| Cash at bank and in hand54/58 | €22k | €43k | €54k | ▲ 25.3% |
| Deferred charges and accrued income490/1 | - | €69 | €324 | ▲ 371% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €76k | €79k | €95k | ▲ 20.3% |
| Equity10/15 | €22k | €49k | €74k | ▲ 51.8% |
| Contributions10/11 | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €19k | €46k | €71k | ▲ 55.2% |
| Amounts payable17/49 | €53k | €30k | €21k | ▼ 31.3% |
| Amounts payable after more than one year17 | €8k | €611 | €0 | ▼ 100% |
| Financial debts170/4 | €8k | €611 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €46k | €29k | €21k | ▼ 29.8% |
| Current portion of amounts payable after more than one year42 | €7k | €7k | €611 | ▼ 91.6% |
| Trade debts44 | €2k | €2k | €2k | ▼ 27.1% |
| Suppliers440/4 | €2k | €2k | €2k | ▼ 27.1% |
| Taxes, remuneration and social security45 | €5k | €756 | €0 | ▼ 100% |
| Taxes450/3 | €5k | €756 | €0 | ▼ 100% |
| Other amounts payable47/48 | €31k | €19k | €18k | ▼ 3.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €19k | €27k | €25k | ▼ 4.7% |
| + Depreciation and write-downs630 | €6k | €9k | €11k | ▲ 22.0% |
| Operating cash flow (approximation) | €25k | €36k | €37k | ▲ 2.3% |
| Investment in fixed assets (approximation) | - | €0 | €-14k | - |
| Change in cash | - | €21k | €11k | ▼ 47.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €27k ▲37.8%
Operating result €34k, net result €27k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.80
Current ratio from 0.88 to 1.80; short-term debt falls from €46k to €29k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Beerse · 1 establishment unit since 2023
Ground area
666 m²
Building footprint
153 m²
Volume, LiDAR
857 m³
Parcel 13043C0186/00D000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEVO
since 20232.344.831.874
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13043C0186/00D000 | Flanders | 666 m² | 1 · 153 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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A TEAM RENOVATIONS
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Of 20,028 companies in sector 43320 we hold annual accounts for 9,133. 7,646 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
Founded03-05-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43410Roofing work
46831Wholesale of construction materials, general range
Scores and ratios are computed by Checked and are not a credit decision.