Stijl Construct
ActiveStijl Construct has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €48k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 2147 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +77 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency80▲+42
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.28 in 2024), but 55.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 41
higher
← 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
44.8%
Return on assets
14.6%
Age of the figures
14 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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 · 8 filingsDeviation from the deadline
2025
3 d late
2024
4 d late
2023
on the day
2022
on the day
2021
on the day
2020
31 d early
2019
on the day
← before the deadline
after the deadline →
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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€149k▲ 46.9%
2024 · €101k
2019: €88k
2020: €94k
2021: €134k
2022: €162k
2023: €199k
2024: €101k
2019 → 2025
Total assets
€332k▼ 25.4%
2024 · €445k
2019: €218k
2020: €243k
2021: €333k
2022: €365k
2023: €617k
2024: €445k
2019 → 2025
Net result
€48k
2024 · €-46k
2019: €38k
2020: €7k
2021: €40k
2022: €29k
2023: €38k
2024: €-46k
2019 → 2025
Working capital
€77k▼ 1.5%
2024 · €78k
2019: €76k
2020: €95k
2021: €141k
2022: €149k
2023: €201k
2024: €78k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€134k-€162k▲ 20.8%€199k▲ 23.0%€101k▼ 49.2%€149k▲ 46.9%
Operating result€61k-€48k▼ 21.1%€59k▲ 22.6%€-32k€60k
Net result€40k-€29k▼ 29.1%€38k▲ 32.7%€-46k€48k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €60k after a loss of €32k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€120k▲ 31.6%
Current assets
€212k▼ 40.1%
Equity and liabilities €332k
Equity
€149k▲ 46.9%
Debt
€183k▼ 46.7%
The debt ratio falls from 77.3% to 55.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€78k▲
2024 · €-17k
Cash flow
€66k▲
2024 · €-31k
Solvency
44.8%▲
2024 · 22.7%
Current ratio
1.57▲
2024 · 1.28
Quick ratio
1.27▲
2024 · 0.29
Debt / equity
1.23▼
2024 · 3.40
ROE
32.5%▲
2024 · -45.3%
ROA
14.6%▲
2024 · -10.3%
Interest coverage
8.05▲
2024 · -1.21
Debt
€183k▼
2024 · €344k
Debt ≤ 1 year
€135k▼
2024 · €275k
Debt > 1 year
€48k▼
2024 · €68k
Income taxes
€2k▲
2024 · €194
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€445k€332k▼
Fixed assets21/28€91k€120k▲
Tangible fixed assets22/27€91k€120k▲
Land and buildings22-€10k
Plant, machinery and equipment23€13k€11k▼
Furniture and vehicles24€78k€99k▲
Current assets29/58€354k€212k▼
Stocks and contracts in progress3€274k€41k▼
Stocks30/36€235k€2k▼
Contracts in progress37€39k€39k=
Amounts receivable within one year40/41€64k€34k▼
Trade receivables40€41k€427▼
Other amounts receivable41€24k€33k▲
Cash at bank and in hand54/58€14k€137k▲
Deferred charges and accrued income490/1€796€190▼
Equity and liabilities
Total equity and liabilities10/49€445k€332k▼
Equity10/15€101k€149k▲
Contributions10/11€4k€4k=
Reserves13€143k€145k▲
Distributable reserves133€143k€145k▲
Profit (loss) carried forward14€-46k-
Amounts payable17/49€344k€183k▼
Amounts payable after more than one year17€68k€48k▼
Financial debts170/4€68k€48k▼
Amounts payable within one year42/48€275k€135k▼
Current portion of amounts payable after more than one year42€28k€27k▼
Financial debts43€208k€697▼
Credit institutions430/8€8k€697▼
Other loans439€200k-
Trade debts44€39k€100k▲
Suppliers440/4€39k€100k▲
Taxes, remuneration and social security45€113€113=
Taxes450/3€113€113=
Other amounts payable47/48€639€7k▲
Income statement
Code20242025
Non-recurring operating income76A€7k-
Remuneration, social security and pensions62€75-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€18k▲
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€7k
Gross operating margin9900€-15k€86k▲
Operating profit (loss)9901€-32k€60k▲
Financial income75/76B€665€39▼
Recurring financial income75€665€39▼
Financial charges65/66B€14k€10k▼
Recurring financial charges65€14k€10k▼
Profit (loss) for the period before taxes9903€-46k€50k▲
Income taxes67/77€194€2k▲
Profit (loss) for the period9904€-46k€48k▲
Profit (loss) for the period to be appropriated9905€-46k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-46k€2k▲
Profit (loss) brought forward from the previous period14P-€-46k
Transfer from equity791/2€43k-
Transfer to equity691/2-€2k
To other reserves6921-€2k
Profit to be distributed694/7€43k€833▼
Return on contributions (dividend)694€43k€833▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
30-06
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
30-06
Financial
Weakest financial yearnet €-46k ▼220%
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €150kEq €162k ▲20.8%
4 profitable years in a row build equity to €162k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €134k ▲42.1%
3 profitable years in a row build equity to €134k.
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aarschot · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Veelsebaan 663201 AarschotGround area
3,711 m²
Building footprint
289 m²
Volume, LiDAR
3,019 m³
2 parcels, Flanders · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Stijl Construct
since 20162.258.552.453
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24060A0118/00T000 | Flanders | 2,811 m² | 1 · 128 m² | 8.4 m · 2 fl. |
| 24060A0050/00L003 | Flanders | 900 m² | 1 · 161 m² | 19.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 7,329 EUR awarded · 7,329 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 7,329 EUR | 7,329 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
2 categoriesStijl Construct BV42288
Similar companies · same sector, comparable size
LUDOVIC ZARRO
BE 0714.942.755
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BE 0729.939.747
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VANHOUTTEGHEM
BE 0471.497.796
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D.F. - BOUW
BE 0441.051.674
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VAN HEE J.
BE 0841.728.386
Deinze · Eq €149k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 12,521 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2016
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
42130Civil engineering
43331Floor and wall tiling
43910Bricklaying and masonry work
43992Specialised construction activities
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.