STIJLVOL VERBOUWEN
ActiveSummary
The computed 12-month bankruptcy probability of STIJLVOL VERBOUWEN is 3.4% (moderate). The 2025 annual accounts show negative equity (-€3,782) and a net result of -€48,468. Equity has been shrinking by about 7% per year since 2019. Its solvency ranks better than 8% of 34,954 sector peers (NACE 43, financial year 2025). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 05-02-2015 Normal situation
- Activity
- Plastering work NACE 43310and 2 others
- Establishment unit
- 2.239.199.963 7750 Mont-de-l'Enclus, since 05-02-2015
- Financial year end
- 31 March
- Peppol
- Reachable since 30-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 3.4%
- Gross margin
- -€37,115
- Loss
- €48,468
- Equity
- -€3,782
- Total assets
- €47,782
- ▼ 19.9%
- Negative equity on 31-03-2025
- 2026 accounts not filed, 3 days past the deadline
Score breakdownraises riskLoss of €48,468 (financial year 2025)Negative equity -€3,782Liquidity: current ratio 0.57lowers riskSize: total assets €47,782Show the evidence
Checked score
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 43, micro). It does better than 7% of them on solvency, 1% on liquidity, 4% on profitability and 3% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 6 accounts on average 5 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 31-10-2025 PDF all 10 filings
Every figure per financial year
The operating result for 2025 is a loss of €44,254, after a profit of €96 in 2024. It is the lowest result since 2021.
Turnover and EBIT margin are not published. The micro format does not require them.
Investments
| Item | 31-03-2022 | 31-03-2023 | 31-03-2024 | 31-03-2025 |
|---|---|---|---|---|
| Tangible fixed assets | €12,179 | €3,904 | €4,905 | €9,730 |
| Depreciation and write-downs of the year | €14,984 | €4,726 | €2,103 | €3,893 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €9,737 | - | €6,500 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27,083 | €23,321 | €17,861 | €14,984 | €4,726 | €2,103 | €3,893 | ▲ 85.1% |
| Other operating charges640/8 | - | - | - | €4,124 | €3,896 | €259 | €3,245 | ▲ 13× |
| Non-recurring operating charges66A | - | - | - | €497 | - | €1,440 | - | - |
| Gross operating margin9900 | €166,824 | €190,223 | €66,664 | €20,331 | -€5,744 | €3,898 | -€37,115 | - |
| Operating profit (loss)9901 | €39,384 | €39,703 | €12,791 | €725 | -€14,366 | €96 | -€44,254 | - |
| Financial income75/76B | - | - | - | €2,930 | €4,165 | €1,598 | €291 | ▼ 81.8% |
| Recurring financial income75 | €237 | €1,384 | €3,659 | €2,930 | €4,165 | €1,598 | €291 | ▼ 81.8% |
| Financial charges65/66B | - | - | - | €1,809 | €2,310 | €681 | €4,505 | ▲ 562% |
| Recurring financial charges65 | €5,521 | €3,184 | €2,293 | €1,809 | €2,310 | €681 | €4,505 | ▲ 562% |
| Profit (loss) for the period before taxes9903 | €34,100 | €37,903 | €14,157 | €1,845 | -€12,511 | €1,013 | -€48,468 | - |
| Income taxes67/77 | €8,591 | €14,918 | €3,593 | €2,286 | €507 | €68 | - | - |
| Profit (loss) for the period9904 | €25,508 | €22,985 | €10,564 | -€441 | -€13,018 | €945 | -€48,468 | - |
| Profit (loss) for the period to be appropriated9905 | €25,508 | €22,985 | €10,564 | -€441 | -€13,018 | €945 | -€48,468 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €184,013 | €198,990 | €178,692 | €142,024 | €80,344 | €59,639 | €47,782 | ▼ 19.9% |
| Fixed assets21/28 | €80,073 | €39,293 | €23,154 | €19,438 | €18,617 | €12,739 | €18,575 | ▲ 45.8% |
| Intangible fixed assets21 | €40,476 | €26,190 | €11,905 | - | - | - | - | - |
| Tangible fixed assets22/27 | €39,597 | €13,103 | €11,249 | €19,438 | €18,617 | €12,739 | €18,575 | ▲ 45.8% |
| Plant, machinery and equipment23 | - | - | - | €1,152 | €590 | €4,390 | €3,307 | ▼ 24.7% |
| Furniture and vehicles24 | - | - | - | €13,694 | €13,681 | €4,250 | €11,417 | ▲ 169% |
| Other tangible fixed assets26 | - | - | - | €4,593 | €4,346 | €4,099 | €3,852 | ▼ 6.0% |
| Current assets29/58 | €103,940 | €159,697 | €155,538 | €122,585 | €61,727 | €46,900 | €29,207 | ▼ 37.7% |
| Stocks and contracts in progress3 | €23,945 | €20,692 | €4,104 | €6,698 | €6,071 | €7,488 | €8,805 | ▲ 17.6% |
| Stocks30/36 | - | - | - | €6,698 | €6,071 | €7,488 | €8,805 | ▲ 17.6% |
| Amounts receivable within one year40/41 | €61,411 | €129,583 | €136,212 | €70,658 | €46,922 | €31,973 | €15,477 | ▼ 51.6% |
| Trade receivables40 | - | - | - | €15,673 | €2,142 | €27,293 | €7,145 | ▼ 73.8% |
| Other amounts receivable41 | - | - | - | €54,986 | €44,780 | €4,680 | €8,332 | ▲ 78.0% |
| Cash at bank and in hand54/58 | €17,453 | €4,497 | €8,375 | €34,813 | €157 | €1,011 | - | - |
| Deferred charges and accrued income490/1 | - | - | - | €10,416 | €8,578 | €6,428 | €4,925 | ▼ 23.4% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €184,013 | €198,990 | €178,692 | €142,024 | €80,344 | €59,639 | €47,782 | ▼ 19.9% |
| Equity10/15 | €29,602 | €50,963 | €61,527 | €61,086 | €48,068 | €44,686 | -€3,782 | - |
| Contributions10/11 | €6,200 | - | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €23,402 | €44,763 | €55,327 | €55,327 | €55,327 | €51,000 | €51,000 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | - | - | €53,467 | €53,467 | €51,000 | €51,000 | = |
| Profit (loss) carried forward14 | - | - | - | -€441 | -€13,459 | -€12,514 | -€60,982 | ▼ 387% |
| Provisions and deferred taxes16 | - | - | €9,737 | €9,737 | - | - | - | - |
| Provisions for liabilities and charges160/5 | - | - | - | €9,737 | - | - | - | - |
| Other liabilities and charges164/5 | - | - | - | €9,737 | - | - | - | - |
| Amounts payable17/49 | €154,410 | €148,027 | €107,427 | €71,200 | €32,276 | €14,953 | €51,564 | ▲ 245% |
| Amounts payable after more than one year17 | €27,940 | €13,006 | €11,497 | €3,493 | - | - | - | - |
| Financial debts170/4 | - | - | - | €3,493 | - | - | - | - |
| Amounts payable within one year42/48 | €126,363 | €133,620 | €94,434 | €66,284 | €29,928 | €14,953 | €51,564 | ▲ 245% |
| Current portion of amounts payable after more than one year42 | - | - | - | €7,698 | €3,493 | - | €12,300 | - |
| Financial debts43 | - | - | - | - | - | - | €14,913 | - |
| Credit institutions430/8 | - | - | - | - | - | - | €14,913 | - |
| Trade debts44 | €70,606 | €92,974 | €75,652 | €56,588 | €23,642 | €14,581 | €22,491 | ▲ 54.2% |
| Suppliers440/4 | - | - | - | €56,588 | €23,642 | €14,581 | €22,491 | ▲ 54.2% |
| Advances received on contracts in progress46 | - | - | - | - | - | - | €1,860 | - |
| Taxes, remuneration and social security45 | - | - | - | €1,998 | €2,793 | €163 | - | - |
| Taxes450/3 | - | - | - | €1,998 | €2,793 | €163 | - | - |
| Other amounts payable47/48 | - | - | - | - | - | €209 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €1,423 | €2,348 | - | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,508 | €22,985 | €10,564 | -€441 | -€13,018 | €945 | -€48,468 | - |
| + Depreciation and write-downs630 | €27,083 | €23,321 | €17,861 | €14,984 | €4,726 | €2,103 | €3,893 | ▲ 85.1% |
| Operating cash flow (approximation) | €52,591 | €46,306 | €28,425 | €14,543 | -€8,292 | €3,048 | -€44,574 | - |
| Investment in fixed assets (approximation) | - | €17,459 | -€1,721 | -€11,269 | -€3,904 | €3,775 | -€9,730 | - |
| Change in cash | - | -€12,956 | €3,878 | €26,438 | -€34,656 | €854 | - | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 6,907 companies had the same profile as STIJLVOL VERBOUWEN has now. Two years later, 85.4% were still going and 5.8% had gone bankrupt.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STIJLVOL VERBOUWEN itself: 3.4% within 12 months.
Test of the method
The method was tested on the 497,446 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 6,907 companies, not a prediction for STIJLVOL VERBOUWEN. 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.
Filings with the National Bank (10)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-03-2025 | micro format | 31-10-2025 | 2025-00556453 | |
| 31-03-2024 | micro format | 30-10-2024 | 2024-00519937 | |
| 31-03-2023 | micro format | 31-10-2023 | 2023-00499889 | |
| 31-03-2022 | micro format | 31-10-2022 | 2022-20478649 | |
| 31-03-2021 | micro format | 30-10-2021 | 2021-76600314 | |
| 31-03-2020 | micro format | 30-11-2020 | 2020-73500452 | |
| 31-03-2019 | micro format | 26-10-2019 | 2019-72800413 | |
| 31-03-2018 | micro format | 26-10-2018 | 2018-70400501 | |
| 31-03-2017 | micro format | 30-10-2017 | 2017-68400055 | |
| 31-03-2016 | abbreviated format | 28-10-2016 | 2016-67300269 |
Board & ownership
Directors
Owners and capital
Shareholders
- Tom Deserranno all shares
Capital transactions
- 12-01-2024 Converted to unavailable equity · €6,200
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Tom Deserranno |
|
Network & group
STIJLVOL VERBOUWEN shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of STIJLVOL VERBOUWEN. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
12-01
Gazette deed
Change of role: Tom Deserranno, from manager to directorCapital · Power of attorney · Shareholding13 points ▸
- Capital
- Power of attorney
- General meeting, 11-12-2023
- Other provision, “adaptation statuts au Code des sociétés et des associations, adapter et conserver forme société à responsabilité limitée en abrégé SRL” (deed in French)
- Tom Deserranno holds all the shares
- Other provision, “dépôt et publication réunion actions en une seule main, procès-verbal organe de gestion” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Reserve release, “supprimer compte de capitaux propres statutairement indisponible créé en application article 39,§2,deuxième alinéa, rendre fonds disponibles pour distribution” (deed in French)
- Other provision, “exonération totale partie capital ancien non encore libérée”, 12400 (deed in French)
- Director resignation, Tom Deserranno (manager)
- Director appointment, Tom Deserranno (director (not named in the articles))
- Director discharge, Tom Deserranno
- The act holds 1 more point.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0597.730.628
Financial year and general meeting
Accounts at the NBBEnvironmental permits
Source: Omgevingsloket Vlaanderen.
Sites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 57002B0025/00C000 | Wallonia | 4,315 m² | 1 · 149 m² | 7.9 m · 2 |