Skip to content

STIV

Active
Public limited companyfounded 2019active for 7 yearsNijverheidslaan 31, 8540 Deerlijk, BelgiumKBO/BCE: BE 0735.737.278
Summary

STIV has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.3m and a net result of -€144,262. Equity has been growing by about 7.8% per year since 2020. Its solvency ranks better than 22% of 5,789 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 05-10-2019 Normal situation
Registered office
44 active companies are registered at this address 1 started in the 12 months before. Source: KBO register, as of 2 November 2026.
Activity
Property management for co-owned buildings (syndics) NACE 68321and 1 other
Establishment unit
2.394.085.308 8540 Deerlijk, since 05-10-2019
Financial year end
31 December
Peppol
Reachable

Board and ownership

Board
  • IBECODirector · since 27-06-2025 · permanent representative Bossuyt, Ivan
  • Indel InvestDirector · since 27-06-2025 · permanent representative Valcke, Stephanie
Shareholders
  • Indel Invest2025 annual accounts of Indel Invest
  • IBECO2025 annual accounts of IBECO

Financial position

84 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€613,284
▼ 4.0%
Turnover
≈ €1.5m
estimated
Loss
€144,262
Equity
€2.3m
▼ 6.0%
Total assets
€25.5m
▲ 117%
Filed on 15-07-2026, 16 days before the deadline
Score breakdownraises riskLiquidity: current ratio 0.21, cash €80,718, halvedEquity €2.3m (8.9% of total assets)lowers riskSize: total assets €25.5mSector: Real estate activities (NACE 68)Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 26% of medium-sized companies in real estate (NACE 68)
Financial strength · tick: 2024
Weak
Solvency 34-11
equity 8.9% of total assets
Liquidity 40+17
short-term debt 26.1% · cash 0.3%
Profitability 27-17
return on assets -0.6%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (1,720 companies, NACE 68, medium-sized)
Last 24 months 12-2024: 0.3% 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.4%▲ +0.1 percentage points vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025highest value 08-2025: 0.1%▼ -0.3 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.2 percentage points vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026 11-2026: 0.3%● unchanged vs 10-2026
Credit of up to €180,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.21 (0.06 in 2024), below 1. Short-term debt is 26.1% and cash 0.3% of total assets. 91.1% of the assets are financed with debt and provisions.
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 68, medium-sized). It does better than 28% of them on solvency, 32% on liquidity, 20% on profitability and 24% on growth.

The bankruptcy probability was computed on 01-11-2026 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).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 0.21, cash €80,718, halved
NBB · annual accounts
lowers risk · Size: total assets €25.5m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Sector: Real estate activities (NACE 68)
KBO
raises risk · Equity €2.3m (8.9% of total assets)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 5789 sector peers (2025).
NBB · sector comparison
Position among 5789 sector peers
Solvency
better than 22%
← weakest strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
16 days early
2024
8 days early
2023
5 days early
2022
14 days early
2021
12 days early
2020
15 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 12 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €169,402 in 2024 -€144,262 View
  • Positive: Largest company by total assets in Deerlijk, Real estate sectorin the Checked rankings No. 1 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • A director leftlatest change 07-10-2026 · 2 in office 1 left View

Recent changes

  1. · Gazette deed Appointment: VRC BEDRIJFSREVISOREN (statutory auditor)Resignation: Bouw Georges Tanghe NV (director) · Permanent representatives: Tanghe, Rita, Ivan Bossuyt and Stephanie Valcke
  2. · Gazette deed Reappointments: Bouw Georges Tanghe NV, Indel Invest BV and Ibeco BVPermanent representatives: Tanghe, Rita, Valcke, Stephanie and Bossuyt, Ivan
  3. · Gazette deed Reappointment: Vander Donckt - Roobrouck - Christiaens Bedrijfsrevisoren (statutory auditor)Permanent representative: Rita Tanghe
All 13 events

Comparable companies

These companies have the same main activity as STIV: property management for co-owned buildings (syndics) (NACE 68321). They are comparable in size and age: total assets between €10m and €27m, founded between 2015 and 2021.

CompanyTotal assetsGross margin
STIV Deerlijk€25.5m€0.6m
SAM Estates Antwerpen€26.6m€1.1m
BATOUR Overijse€12.2m€0.7m
EEIC Belgium Sint Truiden Sint-Joost-ten-Node€12.3m€0.7m
AoCube Incourt€13.8m€0.7m
Barz Invest Brussel€10.4m€0.5m
BLANDIJNBERG Gent€16.8m€1.1m
Full comparison

Key facts about STIV

What is the company number of STIV?
The company number of STIV is 0735.737.278. The VAT number is the same number with BE in front: BE 0735.737.278.
Where is STIV based?
The registered office is at Nijverheidslaan 31, 8540 Deerlijk.Company details
What does STIV do?
According to the KBO register, the main activity is property management for co-owned buildings (syndics) (NACE 68321).
What is the legal form of STIV?
The legal form of STIV is Public limited company (NV).
When was STIV founded?
STIV was founded on 05-10-2019.
Is STIV still active?
Yes, STIV is an active enterprise in the KBO register.
What is the turnover of STIV?
The turnover in financial year 2025 is ≈ €1.5m. This figure is estimated from the gross margin of €613,284 and 30 comparable companies (NACE 683). It probably lies between €1.0m and €1.9m.Financials
Is STIV profitable?
In financial year 2025, STIV made a loss of €144,262.
Where can I find the annual accounts of STIV?
STIV filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of STIV due?
STIV must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.