Equity
€1.5m ▼ 7.4%
Stok paid out €249,000 in dividends. That is 193% of the 2025 profit.
Stok
Lifetime
20 annual accounts with figures on one time axis, 49 filings since 1977peak €1.6m (2013)
€1.2m▲ 8.8%
lowest -€374,315 (2015)
€129,336▲ 0.3%
peak €1.6m (2024)
€1.5m▼ 7.4%
€756,707▼ 12.5%
peak 29.4 FTE (2013)
12.9 FTE▲ 5.7%
Board3 names since 2021
1 directorStaf Verdonck
Documentsfilings and deeds
15-07-202616 days before the deadline
2025financial year
Dividend €249,000Investments €348,368
Key points
from the 2025 annual accountsTurnover
≈ €3.3m estimated
The accounts state no turnover.
Investments
€348,368 1.8 × depreciation
Green is investment, beige is depreciation.
Staff
12.9 FTE from 29.4 in 2013
Between 2013 and 2025, 56% of the full-time equivalents disappeared.
Liquidity
3.57 was 2.53 in 2024
Short-term debts fell from €735,831 to €412,668.
Filings
49 annual accounts since 1977
Three of the last ten came late. The 2017 accounts came latest: 29 days after the end of the period.
Checked score
92
Excellent
Financially stronger than 57% of small companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.3% across 2,647 companies (NACE 43, small).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%lowest value
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025lowest value
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026highest value
08-2026: 0.1%▼ -0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
lowers risk
Profit of €129,336 (financial year 2025)
Equity €1.5m (66.3% of total assets)
Founded in 1974
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, small). It does better than 84% of them on solvency, 66% on liquidity, 60% on profitability and 19% on growth.
The bankruptcy probability was computed on 08-11-2026 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 very low class on 30-06-2025, 0.1% 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, 20,137 companies had the same profile as Stok has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of Stok itself: 0.1% within 12 months.
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 20,137 companies, not a prediction for Stok. 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 €130,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.57 (2.53 in 2024), above the usual 1.5. Short-term debt is 18.3% and cash 6.8% of total assets. 33.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises 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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 days early
2024
8 days early
2023
16 days early
2022
25 days late
2021
2 days early
2020
36 days early
2019
30 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 12 days before 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. The company usually files around 23 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Staf Verdonck shareholder and chairdeed of 02-07-2020
- Stok 1,040 sharesdeed of 02-07-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0414291354
1 director appointed, 1 resignation, 2 reappointments
Reappointments: Staf Verdonck and Renaat Poets · Resignation: Renaat Poets · Appointment: Staf Verdonck (sole director) · Gazette deed
Resignation: Geuens Herlinda (director)
Director discharge: Geuens Herlinda · General meeting of 30-06-2022 · Gazette deed
Transfer of 1,040 shares from Staf Verdonck to Stok
Staf Verdonck holds 4,150 shares · General meeting of 09-06-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Stok Tessenderlo-Ham | €2.2m | €1.2m | 66.3% | 12.9 |
| GROKA Bruges | €2.2m | €1.3m | 64.5% | 15.5 |
| ZANDGROEVEN ROELANTS Lubbeek | €2.4m | €1.4m | 69.7% | 17.4 |
| VAN HULLE PAUL GRONDWERKEN Tielt | €2.5m | €1.1m | 61.3% | 12.2 |
| Ingelbrecht Oudenburg | €2.8m | €1.0m | 27.9% | 12.3 |
| DAUBIE & CO Saint-Ghislain | €2.0m | €0.8m | 31.1% | 15.5 |
| VAN LOO-PEETERS Herselt | €2.3m | €0.8m | 94.8% | 10.5 |
These companies have the same main activity as Stok: site preparation (NACE 43120). They are comparable in size and age: total assets between €2m and €2.8m, founded between 1957 and 1990.
Official details
Source: KBO- Status
- Active since 16-05-1974Normal situation
- Activity
- Site preparationNACE 43120and 2 others
- Joint committees
- 124Construction
- 149.01Electricians: installation and distribution
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.009.906.3163980 Tessenderlo-Ham, since 01-07-1974
- Financial year end
- 31 December
- Peppol
- Reachable since 20-10-2025
Annual accounts 2025
- €2.2m▼ 9.2%
- Employeeson 31-12-2025
- 13=
- Filing
- Filed on 15-07-2026, 16 days before the end of the filing period
Insights on Stok
Stok has been active since 1974 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.5m and a net result of €129,336.
Equity grew by about 8% per year on average since 2018. In 2025 it fell by 7.4%. Its solvency ranks better than 78% of 2,463 sector peers (NACE 43, financial year 2025).
The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Stok
- What is the company number of Stok?
- The company number of Stok is 0414.291.354. The VAT number is the same number with BE in front: BE 0414.291.354.
- Where is Stok based?
- The registered office is at Lapseheide 40, 3980 Tessenderlo-Ham.Company details
- What does Stok do?
- According to the KBO register, the main activity is site preparation (NACE 43120).
- What is the legal form of Stok?
- Stok is a public limited company (NV).
- When was Stok founded?
- Stok was founded on 16-05-1974.
- Is Stok still active?
- Yes, Stok is an active enterprise in the KBO register.
- How many employees does Stok have?
- Stok had an average of 12.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Stok fall under?
- In its 2025 annual accounts, Stok states joint committees 124 (Construction), 149.01 (Electricians: installation and distribution) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of Stok?
- The turnover in financial year 2025 is ≈ €3.3m. This figure is estimated from the gross margin of €1.2m and 67 comparable companies (NACE 43). It probably lies between €2.6m and €4.4m.
- Is Stok profitable?
- In financial year 2025, Stok made a profit of €129,336.
- Where can I find the annual accounts of Stok?
- Stok filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Stok due?
- Stok must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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