Investments
€11,204 3.1 × depreciation
Green is investment, beige is depreciation.
STOFFEL CONSTRUCT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €9,384 (2024)
€9,235▼ 1.6%
peak €4,996 (2024)
€2,839▼ 43.2%
peak €9,835 (2025)
€9,835▲ 40.6%
€10,677▲ 111%
Board1 name since 2023
1 directorVAN WINKEL Kristof Henri Roza
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Result from €4,996 to €2,839Equity from €6,996 to €9,835Debts from €5,058 to €10,677Investments €11,204Cash from €1,005 to €306
Key points
from the 2025 annual accountsLiquidity
0.90 was 1.94 in 2024
Short-term debts rose from €4,477 to €10,677.
Position in the sector
€9,835
Less equity than 83% of companies in specialised construction. Sector median €57,691 · 35,148 companies.
Checked score
52
Fair
Financially stronger than 54% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.9%lowest value
01-2025: 2.0%▲ +0.1 percentage points vs 12-2024
02-2025: 2.3%▲ +0.3 percentage points vs 01-2025
03-2025: 2.4%▲ +0.1 percentage points vs 02-2025
04-2025: 2.7%▲ +0.3 percentage points vs 03-2025
05-2025: 2.7%● unchanged vs 04-2025
06-2025: 3.0%▲ +0.3 percentage points vs 05-2025
07-2025: 2.9%▼ -0.1 percentage points vs 06-2025
08-2025: 2.9%● unchanged vs 07-2025
09-2025: 3.2%▲ +0.3 percentage points vs 08-2025
10-2025: 3.3%▲ +0.1 percentage points vs 09-2025highest value
11-2025: 2.4%▼ -0.9 percentage points vs 10-2025
12-2025: 2.4%● unchanged vs 11-2025
01-2026: 2.4%● unchanged vs 12-2025
02-2026: 2.4%● unchanged vs 01-2026
03-2026: 2.4%● unchanged vs 02-2026
04-2026: 2.4%● unchanged vs 03-2026
05-2026: 2.4%● unchanged vs 04-2026
06-2026: 2.3%▼ -0.1 percentage points vs 05-2026
07-2026: 2.4%▲ +0.1 percentage points vs 06-2026
08-2026: 2.6%▲ +0.2 percentage points vs 07-2026
09-2026: 2.6%● unchanged vs 08-2026
10-2026: 2.6%● unchanged vs 09-2026
11-2026: 2.6%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
1 of the last 3 accounts late
Sector: Specialised construction activities (NACE 43)
Size: total assets €20,512
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 52% of them on solvency, 15% on liquidity, 70% on profitability and 80% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as STOFFEL CONSTRUCT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of STOFFEL CONSTRUCT itself is higher: 2.6% within 12 months. It rests on far more data about STOFFEL CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,447 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 39,278 companies, not a prediction for STOFFEL CONSTRUCT. 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.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.9 (1.94 in 2024), below 1. Short-term debt is 52.1% and cash 1.5% of total assets. 52.1% of the assets are financed with debt and provisions.
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
Five signals.
raises riskneutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
59 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 30 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 (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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Purpose change
“Administratieve en ondersteunende activiteiten ten behoefte van kantoren; Activiteiten van adviesbureaus op…” (deed in Dutch) · General meeting of 05-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1001470461
Incorporation
Founding capital of €2,000, 200 shares · Founder: VAN WINKEL Kristof Henri Roza · Appointment: VAN WINKEL Kristof Henri Roza (director) · published on 24-10-2023 · Gazette deed
First establishment
Vissersstraat 53, Rumst
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STOFFEL CONSTRUCT Rumst | €20,512 | €9,235 | 47.9% | - |
| MF Marmerwerker Kampenhout | €19,179 | €9,536 | 85.0% | - |
| RR Builders Sint-Pieters-Leeuw | €19,299 | €11,626 | 20.2% | - |
| GENCO GROUP Antwerp | €15,400 | €13,096 | 78.4% | - |
| PM PLAFONNAGE & PARACHEVEMENT Neupré | €19,379 | €12,180 | 23.2% | - |
| Yuki Construct Evergem | €26,074 | €9,490 | 31.8% | - |
| RULLI'S SOLUTIONS Ixelles | €17,557 | €7,979 | 43.7% | - |
These companies have the same main activity as STOFFEL CONSTRUCT: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €15,400 and €26,100, founded in 2024.
Official details
Source: KBO- Status
- Active since 20-10-2023Normal situation
- Activity
- Other building finishing workNACE 43350and 1 other
- Establishment unit
- 2.351.501.9122840 Rumst, since 20-10-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 19-12-2025
Annual accounts 2025
- €9,235▼ 1.6%
- ≈ €92,000estimated
- €2,839▼ 43.2%
- €9,835▲ 40.6%
- €20,512▲ 70.2%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on STOFFEL CONSTRUCT
The computed 12-month bankruptcy probability of STOFFEL CONSTRUCT is 2.6% (moderate). The 2025 annual accounts show equity of €9,835 and a net result of €2,839.
Its solvency ranks better than 51% of 35,136 sector peers (NACE 43, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-07-2026, on the day of the deadline€9,235
▼ 1.6%
€4,671
▼ 31.3%
€2,839
▼ 43.2%
-€1,080
▼ €5,308
47.9%
▼ 10.1 percentage points
0.90
▼ 1.05
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €92,000. Estimated: probably between €54,000 and €200,000.
Balance sheet
balance sheet total €20,512 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
47.9%
Higher than 51% of 35,136 companies in 2025.
0.90
Higher than 17% of 34,510 companies in 2025.
13.8%
Higher than 67% of 34,711 companies in 2025.
STOFFEL CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
20,512 | 12,054 | |
21/28 |
10,915 | 3,348 | |
21 |
0 | 1 | |
22/27 |
10,915 | 3,347 | |
23 |
0 | 749 | |
24 |
10,915 | 2,598 | |
29/58 |
9,597 | 8,706 | |
40/41 |
9,291 | 7,551 | |
40 |
6,968 | 6,924 | |
41 |
2,323 | 627 | |
54/58 |
306 | 1,005 | |
490/1 |
- | 150 | |
| Balance sheet: equity and liabilities | |||
10/49 |
20,512 | 12,054 | |
10/15 |
9,835 | 6,996 | |
10/11 |
2,000 | 2,000 | |
13 |
7,835 | 4,996 | |
133 |
7,835 | 4,996 | |
17/49 |
10,677 | 5,058 | |
42/48 |
10,677 | 4,477 | |
44 |
6,861 | 2,704 | |
440/4 |
6,861 | 2,704 | |
45 |
3,462 | 1,691 | |
450/3 |
3,462 | 1,691 | |
47/48 |
354 | 82 | |
492/3 |
- | 580 | |
| Income statement | |||
9900 |
9,235 | 9,384 | |
630 |
3,637 | 1,569 | |
640/8 |
927 | 1,015 | |
9901 |
4,671 | 6,800 | |
75/76B |
- | 0 | |
75 |
- | 0 | |
65/66B |
61 | 112 | |
65 |
61 | 112 | |
9903 |
4,610 | 6,687 | |
67/77 |
1,770 | 1,691 | |
9904 |
2,839 | 4,996 | |
9905 |
2,839 | 4,996 | |
| Appropriation of the result | |||
9906 |
2,839 | 4,996 | |
691/2 |
2,839 | 4,996 | |
6921 |
2,839 | 4,996 | |
| Document | |||
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 8,307 | 8,369 | ||
| 6,476 | 6,566 | ||
| 11,204 | 4,917 | ||
| -699 | - | ||
| -1,080 | 4,228 | ||
| 47.9% | 58.0% | ||
| 0.90 | 1.94 | ||
| 1.09 | 0.72 | ||
| 28.9% | 71.4% | ||
| 13.8% | 41.4% | ||
| over 100 | 74.52 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €11,204 | €4,916 |
| Intangible fixed assets | - | €1 |
| €3,637 | €1,569 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on STOFFEL CONSTRUCT
The operating result for 2025 is 31% lower than in 2024.
Debt's share of the balance-sheet total rises from 42.0% to 52.1%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 19-10-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 31-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Artikel 11 - Bevoegdheden van het bestuursorgaan Het bestuur heeft de meest uitgebreide machten om in alle omstandigheden namens de…”deed of 24-10-2023
Mandates through the years
1 name, the dashed line is todayVAN WINKEL Kristof Henri Roza
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- VAN WINKEL Kristof Henri Roza
- Director (not named in the articles), from 19-10-2023 to date
Control
Founder
This company
STOFFEL CONSTRUCT
Equity €9,835
Profit €2,839 in 2025
Capital
- Contribution
- €2,000
- Shares
- 200
- Contribution per share
- €10
- Equity per share
- €49.18 in 2025
- Source
- deed of 24-10-2023
Articles of association
deed of 24-10-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Vaste of evenredige vergoeding, algemene vergadering beslist kosteloos of niet”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 19:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 24-10-2023 ↗
- VAN WINKEL Kristof Henri Roza 200 shares (100%) · €2,000
Network & group
No group
STOFFEL CONSTRUCT has no parent and no holdings in its annual accounts. VAN WINKEL Kristof Henri Roza is the only director. STOFFEL CONSTRUCT shares no director with another company.
Timeline
Timeline
6 events since 2023Filings
Establishments
Other
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · on the deadline day
Purpose change“Administratieve en ondersteunende activiteiten ten behoefte van kantoren; Activiteiten van adviesbureaus op…” (deed in Dutch) · General meeting of 05-01-20263 points ▸
- Purpose change, “Administratieve en ondersteunende activiteiten ten behoefte van kantoren; Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig…” (deed in Dutch)
- Power of attorney, Kathleen Peeters
- General meeting, 05-01-2026
- The deed holds 1 more point.
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1001470461
Annual accounts 2024 filed PDFmicro format · 59 days late
2023
IncorporationFounding capital of €2,000, 200 shares · Founder: VAN WINKEL Kristof Henri Roza · Appointment: VAN WINKEL Kristof Henri Roza (director) · published on 24-10-20235 points ▸
- Founder, VAN WINKEL Kristof Henri Roza
- 200 shares
- Founding capital, €2,000, 200 shares
- Registered office clause, 2840 Rumst-Vissersstraat 53
- Director appointment, VAN WINKEL Kristof Henri Roza (director (not named in the articles))
- The deed holds 10 more points.
First establishment Vissersstraat 53, Rumst
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 20 October 2023, STOFFEL CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €2,000.12 VAN WINKEL Kristof Henri Roza has served as director since 2023.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1001.470.461
- VAT number
- BE 1001.470.461
- Peppol ID
- 0208:1001470461
- Other Peppol ID
- 9925:BE1001470461
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 20-10-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 19:00deed of 24-10-2023 (in Dutch)
- Peppol
- Reachable since 19-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- STOFFEL CONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 24-10-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 24-10-2023 (in Dutch)
Activities
NACEBEL 202543350
Other building finishing work main activity
Codes under NACEBEL 2008
43390
Specialised construction activities main activity
43999
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Alle aannemingen van metsel- en betonwerken,voegwerken,alle tegelwerken,alle dakwerken,isolatie,asfalt,plafonneringen en…”deed of 07-01-2026 (in Dutch)
27 activities
- Alle aannemingen van metsel- en betonwerken,voegwerken,alle tegelwerken,alle dakwerken,isolatie,asfalt,plafonneringen en schrijnwerkerij,centrale verwarming en sanitair,renovatie,reiniging en restauratiewerken
- Algemene karweiwerken in de bouw
- Diverse,al dan niet gespecialiseerde,bouw- en tuinwerkzaamheden
- Het aanleggen,onderhouden en herstellen van wegen,paden,terreinen,terrassen,opritten,parkings tuinen en dergelijke meer
- Algemene bouw van (industriële) gebouwen,loodsen,hangars et cetera
- Het plaatsen van afsluitingen
- Overige werkzaamheden in verband met de afwerking van gebouwen
- Verhuur van machines voor de bouwnijverheid met bedieningspersoneel
- Handel in bouwmaterialen,algemeen assortiment
- De huur en verhuur van onroerende goederen of onroerende zakelijke rechten
- Reparatie en kleinhandel in fietsen,nieuw en tweedehands
- Alle mogelijke advies- en/of dienstenfuncties en zakelijke dienstverlening
- Isolatiewerkzaamheden
- Overige installaties (inclusief accessoires)
- Installatie van garagepoorten,luiken,zonneblinden,traliewerk,hekken enzovoort in metaal
- Plaatsen van vloer- en wandtegels
- Bouw van daken
- Plaatsen van dakbedekking van ongeacht welk materiaal
- Plaatsen van dakgoten en regenafvoerbuizen
- Uitvoeren van metsel- en voegwerken
- Uitvoeren van metselwerk
- Overige gespecialiseerde bouwwerkzaamheden
- Verlenen van bouwkundige adviezen aan de bouwheer
- Administratieve en ondersteunende activiteiten ten behoefte van kantoren
- Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
- Detailhandel in verzamelobjecten en souvenirs
- Uitgave van computerspellen
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Vissersstraat 53 registered office 2840 Rumst 0161004 Support activities for crop production | 20-10-2023 | 2.351.501.912 |
Buildings and parcels at the address
- Ground area
- 220 m²
- Buildings
- 83 m²
- Volume, LiDAR
- 425 m³
- Tallest building
- 9.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11037D0237/00F000 | 220 m² | 1 · 83 m² | 9.8 m · 1 |
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 1001.470.461