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STM CONSTRUCT

Active
Private limited companyfounded 2019active for 7 yearsRue Géron 19A, 5300 Andenne, BelgiumKBO/BCE: BE 0717.913.034
Summary

STM CONSTRUCT has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233,821 and a net result of €60,416. Equity is growing by about 48% per year across the filed financial years. Its solvency ranks better than 30% of 2,767 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisFollow ReportCompare
STM CONSTRUCTActiveChecked score 67/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
€5.2mturnover 2025
Staff
18 FTE
Equity
€233,821
Profit
€60,416
Financial health
67 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Structure
Largest shareholder
DVS Construct & Immo · 50%
2025 accounts 30 days early2 of 6 deeds summarised
Why 67raises riskSector: Construction of residential and non-residential buildings (NACE 41)Founded in 2019Size: turnover €5.2m, 18 FTE, total assets €1.1mlowers riskLiquidity: current ratio 1.04, cash €207,357Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 54% of its sector peers (NACE 41, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 46-3
equity 21.0% of total assets
Liquidity 49-8
short-term debt 49.0% · cash 18.6%
Profitability 63-28
return on assets 5.4%
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (911 companies, NACE 41, small)
Last 24 months 11-2024: 2.1% 12-2024: 2.2%▲ +0.1 percentage points vs 11-2024 01-2025: 2.2%● unchanged vs 12-2024 02-2025: 2.2%● unchanged vs 01-2025 03-2025: 2.2%● unchanged vs 02-2025 04-2025: 1.9%▼ -0.3 percentage points vs 03-2025 05-2025: 1.9%● unchanged vs 04-2025 06-2025: 2.0%▲ +0.1 percentage points vs 05-2025 07-2025: 2.5%▲ +0.5 percentage points vs 06-2025 08-2025: 3.3%▲ +0.8 percentage points vs 07-2025highest value 09-2025: 0.8%▼ -2.5 percentage points vs 08-2025lowest value 10-2025: 0.8%● unchanged vs 09-2025lowest value 11-2025: 0.8%● unchanged vs 10-2025lowest value 12-2025: 0.8%● unchanged vs 11-2025 01-2026: 0.8%● unchanged vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.9%▲ +0.1 percentage points vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.9%● unchanged vs 05-2026 07-2026: 1.1%▲ +0.2 percentage points vs 06-2026 08-2026: 1.2%▲ +0.1 percentage points vs 07-2026 09-2026: 1.1%▼ -0.1 percentage points vs 08-2026 10-2026: 1.0%▼ -0.1 percentage points vs 09-2026
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.04, compared with 1.14 in 2024, below the usual 1.5; short-term debt: 49% and cash: 18.6% of total assets), and 79% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 41, small): better than 35% on solvency, 61% on liquidity, 52% on profitability and 70% on growth.

The bankruptcy probability was computed on 23-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Founded in 2019
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Size: turnover €5.2m, 18 FTE, total assets €1.1m
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.04, cash €207,357
NBB · annual accounts
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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
30 days early
2024
29 days late
2023
29 days late
2022
29 days late
2021
29 days late
2020
31 days late
2019
28 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 21 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% 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 29 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · full…
  3. Highest result from 2019 to 2025net €154,157 ▲166%

Key points

  • Caution: Result fell in 2025from €154,157 to €60,416 ▼ 60.8% View
  • Among the largest 8% on gross marginsector median €134,933 · 2,762 companies €1.2m View
  • Positive: 7 profitable years in a rowprofit 2025: €60,416 7 years View

By topic

Financials

Financial year
2025
Turnover
€5.2m
Profit
€60,416
Solvency
21.0%
Go to Financials

Board & ownership

Board
1 member
Largest shareholder
DVS Construct & Immo · 50%
  • Pierre-André PuttemanDirector
Go to Board & ownership

Timeline

Events
13
Since
2020
Next accounts
by 31-07-2027
  1. 31-12-2024Equity above €200,000
  2. 27-11-2024Resignation: Pierre-André Puttemans (director)
  3. 29-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
10-01-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about STM CONSTRUCT

What is the company number of STM CONSTRUCT?
0717.913.034. In Belgium the VAT number is the company number with BE in front: BE 0717.913.034.
Where is STM CONSTRUCT based?
The registered office is at Rue Géron 19A, 5300 Andenne.Company details
What does STM CONSTRUCT do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of STM CONSTRUCT?
Private limited company (BV).
When was STM CONSTRUCT founded?
On 10-01-2019.
Is STM CONSTRUCT still active?
Yes, STM CONSTRUCT is an active enterprise in the KBO register.
How many employees does STM CONSTRUCT have?
On average 18 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of STM CONSTRUCT?
€5.2m in financial year 2025, according to the filed annual accounts.
Is STM CONSTRUCT profitable?
In financial year 2025, STM CONSTRUCT made a profit of €60,416.
Where can I find the annual accounts of STM CONSTRUCT?
STM CONSTRUCT filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of STM CONSTRUCT due?
By 31-07-2027, for financial year 2026.Timeline

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