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STUBAN

Active
Public limited companyfounded 197551 yrs activeMosselbank(VRA) 74, 9120 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0415.003.414
Summary

STUBAN has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €6.7m and a net result of -€97,487. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 95% of 214 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch ReportCompare
STUBANActiveChecked score 82/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€6.8mtotal assets 2026
Staff
4 FTE
Equity
€6.7m
Loss
-€97,487
Financial health
82 Excellent Checked score 2026
Bankruptcy chance 12 m
0.5%
Structure
Holdings
6
Accounts 39 d early0 of 10 deeds read
Why 82- Liquidity: current ratio 31.86, cash €24,800- 1 change of registered office in 24 months+ Founded in 1975+ Size: 4 FTE, total assets €6.8mShow the evidence

Checked score

Score 2026
82 / 100
Excellent
Probability in this band: under 0.55%
Better than 48% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2025
Average
Solvency 100=
equity 98.6% of total assets
Liquidity 50=
short-term debt 1.4% · cash 0.4%
Profitability 17-2
return on assets -1.4%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,373 companies)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● 0.0% vs 11-2024 01-2025: 0.5%● 0.0% vs 12-2024 02-2025: 1.1%▲ +106% vs 01-2025 03-2025: 1.1%● 0.0% vs 02-2025 04-2025: 1.0%▼ -3.1% vs 03-2025 05-2025: 1.0%● 0.0% vs 04-2025 06-2025: 1.1%▲ +0.8% vs 05-2025 07-2025: 1.1%▲ +6.2% vs 06-2025 08-2025: 1.3%▲ +16.8% vs 07-2025 09-2025: 1.4%▲ +3.7% vs 08-2025highest value 10-2025: 1.4%▼ -0.2% vs 09-2025 11-2025: 0.7%▼ -51.1% vs 10-2025 12-2025: 0.7%● 0.0% vs 11-2025 01-2026: 0.7%● 0.0% vs 12-2025 02-2026: 0.7%● 0.0% vs 01-2026 03-2026: 0.7%● 0.0% vs 02-2026 04-2026: 0.7%● 0.0% vs 03-2026 05-2026: 0.7%● 0.0% vs 04-2026 06-2026: 0.7%▲ +1.5% vs 05-2026 07-2026: 0.7%▲ +3.7% vs 06-2026 08-2026: 0.8%▲ +17.5% vs 07-2026 09-2026: 0.9%▲ +3.9% vs 08-2026 10-2026: 0.5%▼ -42.8% vs 09-2026lowest value
  • Liquidity: current ratio 31.86, cash €24,800 raises the probability
  • 1 change of registered office in 24 months raises the probability
  • Founded in 1975 lowers the probability for this profile
  • Size: 4 FTE, total assets €6.8m lowers the probability for this profile
Credit up to €500,000 at 30 days acceptable
Liquidity ample (current ratio 31.86 against 31.4 in 2025; short-term debt: 1.4% and cash: 0.4% of total assets), and 1.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 92%, liquidity 53%, profitability 16%, growth against the median 33%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 31.86, cash €24,800
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Founded in 1975
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: 4 FTE, total assets €6.8m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 22-09-2026, 39 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
39 d early
2025
11 d early
2024
34 d early
2023
33 d early
2022
39 d late
2021
2 d early
2020
31 d early
← 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 16 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 28 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-03-2027 close31-10-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2026 · full…
  2. Weakest financial yearnet -€97,487
  3. General meeting · Director appointmentDirector resignation · Other statement

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2026 -€97,487 View
  • Caution: Result fell in 2026from -€3,543 to -€97,487 ▼ 2,652% View
  • Caution: Among the weakest 5% on net resultsector median €14,009 · 215 companies -€97,487 View
  • Heads a groupcompanies controlled 3 View
  • Active since 1975founded 01-04-1975 51 years View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

By topic

Financials

Fiscal year
2026
Total assets
€6.8m
Loss
-€97,487
Solvency
98.6%
Total assets▼ 1.5%
Net result
20192026
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-10-2027
  1. 22-09-2026Annual accounts filed
  2. 31-03-2026Weakest financial year
  3. 16-03-2026General meeting · Director appointment
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
General construction of residential buildingsNACE 41001
Founded
01-04-1975
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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