STOOP-ZELFBOUW

Active

Private limited companyfounded 20215 yrs activeProsper Van Raemdonckstraat(BEV) 74, 9120 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0765.384.735

The computed 12-month bankruptcy probability of STOOP-ZELFBOUW is 2.2% (moderate). The 2025 annual accounts show equity of €108k and a net result of €16k. Equity is growing by ~29.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 27676 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

70 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability82▼-4

Solvency97▲+24

Growth52=

Track record94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 4.78 against 2.07 in 2024; short-term debt: 16.7% and cash: 9.6% of total assets), and 28.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

on the day

2024

35 d early

2023

33 d early

2022

24 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close21-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€108k▲ 18.0%

2024 · €92k

2022: €41k 2023: €65k 2024: €92k

2022 → 2025

Total assets

€151k▼ 21.5%

2024 · €192k

2022: €75k 2023: €106k 2024: €192k

2022 → 2025

Net result

€16k▼ 39.0%

2024 · €27k

2022: €39k 2023: €24k 2024: €27k

2022 → 2025

Working capital

€96k▲ 19.3%

2024 · €80k

2022: €33k 2023: €60k 2024: €80k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€41k-€65k▲ 58.3%€92k▲ 41.7%€108k▲ 18.0%

Operating result€54k-€33k▼ 38.3%€34k▲ 3.9%€22k▼ 35.7%

Net result€39k-€24k▼ 38.7%€27k▲ 13.2%€16k▼ 39.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 36% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €151k

20.0%

80.0%

Fixed assets €30k▼ 20.0%

Current assets €121k▼ 21.9%

Equity and liabilities €151k

71.7%

28.3%

Equity €108k▲ 18.0%

Debt €43k▼ 57.5%

The debt ratio falls from 52.3% to 28.3%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€31k▼

2024 · €39k

Cash flow

€25k▼

2024 · €31k

Solvency

71.7%▲

2024 · 47.7%

Current ratio

4.78▲

2024 · 2.07

Quick ratio

3.41▲

2024 · 1.84

Debt / equity

0.40▼

2024 · 1.10

ROE

15.2%▼

2024 · 29.4%

ROA

10.9%▼

2024 · 14.0%

Interest coverage

22.72▼

2024 · 222.02

Debt

€43k▼

2024 · €101k

Debt ≤ 1 year

€25k▼

2024 · €75k

Debt > 1 year

€17k▼

2024 · €26k

Income taxes

€5k▼

2024 · €7k

Staff costs

€41k▼

2024 · €52k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€192k€151k▼

Fixed assets21/28€38k€30k▼

Tangible fixed assets22/27€38k€30k▼

Plant, machinery and equipment23€1k€0▼

Furniture and vehicles24€36k€30k▼

Current assets29/58€155k€121k▼

Stocks and contracts in progress3€18k€35k▲

Contracts in progress37€18k€35k▲

Amounts receivable within one year40/41€111k€71k▼

Trade receivables40€48k€15k▼

Other amounts receivable41€63k€55k▼

Cash at bank and in hand54/58€25k€15k▼

Deferred charges and accrued income490/1€1k€966▼

Equity and liabilities

Total equity and liabilities10/49€192k€151k▼

Equity10/15€92k€108k▲

Contributions10/11€2k€2k=

Reserves13€90k€106k▲

Distributable reserves133€90k€106k▲

Amounts payable17/49€101k€43k▼

Amounts payable after more than one year17€26k€17k▼

Financial debts170/4€26k€17k▼

Amounts payable within one year42/48€75k€25k▼

Current portion of amounts payable after more than one year42€8k€9k▲

Trade debts44€48k€7k▼

Suppliers440/4€48k€7k▼

Taxes, remuneration and social security45€13k€9k▼

Taxes450/3€3k€355▼

Remuneration and social security454/9€10k€9k▼

Other amounts payable47/48€5k€488▼

Accrued charges and deferred income492/3-€30

Income statement Code20242025

Remuneration, social security and pensions62€52k€41k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€9k▲

Other operating charges640/8€166€528▲

Gross operating margin9900€90k€73k▼

Operating profit (loss)9901€34k€22k▼

Financial income75/76B€136€252▲

Recurring financial income75€136€252▲

Financial charges65/66B€174€1k▲

Recurring financial charges65€174€1k▲

Profit (loss) for the period before taxes9903€34k€21k▼

Income taxes67/77€7k€5k▼

Profit (loss) for the period9904€27k€16k▼

Profit (loss) for the period to be appropriated9905€27k€16k▼

Appropriation of the result

Profit (loss) to be appropriated9906€27k€16k▼

Transfer to equity691/2€27k€16k▼

To other reserves6921€27k€16k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-10-2026

2025

31-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

31-03

Financial Weakest financial yearnet €16k ▼39%

Net result drops to €16k, the lowest in the series.

31-03

Financial Liquidity doublescurrent ratio 4.78

Current ratio from 2.07 to 4.78; short-term debt falls from €75k to €25k.

31-03

Financial Equity above €100kEq €108k ▲18%

4 profitable years in a row build equity to €108k.

2024

26-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2023

28-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2022

07-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2021

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Prosper Van Raemdonckstraat(BEV) 749120 Beveren-Kruibeke-Zwijndrecht

Ground area

8,271 m²

Building footprint

822 m²

Volume, LiDAR

3,294 m³

Parcel 46503C1438/00C000, Flanders · tallest building 26.0 m. Linked by address, not a title deed.

1 establishment unit

STOOP-ZELFBOUW

Prosper Van Raemdonckstraat(BEV) 74, 9120 Beveren-Kruibeke-ZwijndrechtGeneral electrical installation work

since 20212.314.759.597

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46503C1438/00C000	Flanders	8,271 m²	1 · 822 m²	26.0 m

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

TUTJE BUZZE

BE 1005.458.943

Wervik · Eq €108k

Vandenberghe Remi en Zonen

BE 0419.142.740

Oostrozebeke · Eq €108k

SUR-MESURE

BE 0764.722.759

Mont-Saint-Guibert · Eq €108k

Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 3,061 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-03-2021

Fiscal year end31-03

Activities, NACEBEL

43221Plumbing work

46842Wholesale trade

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.