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STUUK

Active
Private limited companyfounded 20241 yr activeAcacialaan 24, 8530 Harelbeke, BelgiumKBO/BCE: BE 1016.904.646
Summary

The computed 12-month bankruptcy probability of STUUK is 1.6% (moderate). The 2025 annual accounts show equity of €10,134 and a net result of €134. Its solvency ranks better than 41% of 28184 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability62
Solvency64
Growth-
Track record67
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.5; short-term debt: 30.7% and cash: 22% of total assets), and 61% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
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 28-06-2026, 33 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
33 d early
← before the deadline after the deadline →
Checked, nothing found (1)
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

History

STUUK was incorporated on 3 December 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€10,134
Total assets
€25,970
Net result
€134
Working capital
€3,957

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

Balance-sheet composition
Assets €25,970
Fixed assets €14,032
Current assets €11,938
Equity and liabilities €25,970
Equity €10,134
Debt €15,836
Debt finances 61.0% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€3,799
Cash flow
€3,008
Current ratio
1.50
Debt to equity
1.56
ROE
1.3%
ROA
0.5%
Interest coverage
5.07
Debt ≤ 1 year
€7,981
Debt > 1 year
€7,855
Income taxes
€49

Peer companies

Historical observation

Of the 185 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 99% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
0.5% went bankrupt
0.5% stopped otherwise
99% still going

For this company itself Checked computes a higher bankruptcy probability: 1.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 185 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 38 lines
Balance sheet Code2025
Assets
Total assets20/58€25,970
Fixed assets21/28€14,032
Tangible fixed assets22/27€14,032
Plant, machinery and equipment23€424
Furniture and vehicles24€13,608
Current assets29/58€11,938
Amounts receivable within one year40/41€5,657
Trade receivables40€4,245
Other amounts receivable41€1,412
Cash at bank and in hand54/58€5,704
Deferred charges and accrued income490/1€577
Equity and liabilities
Total equity and liabilities10/49€25,970
Equity10/15€10,134
Contributions10/11€10,000
Profit (loss) carried forward14€134
Amounts payable17/49€15,836
Amounts payable after more than one year17€7,855
Financial debts170/4€7,855
Amounts payable within one year42/48€7,981
Current portion of amounts payable after more than one year42€5,020
Trade debts44€265
Suppliers440/4€265
Taxes, remuneration and social security45€1,924
Taxes450/3€1,924
Other amounts payable47/48€773
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,873
Other operating charges640/8€337
Gross operating margin9900€4,136
Operating profit (loss)9901€925
Financial income75/76B€6
Recurring financial income75€6
Financial charges65/66B€749
Recurring financial charges65€749
Profit (loss) for the period before taxes9903€183
Income taxes67/77€49
Profit (loss) for the period9904€134
Profit (loss) for the period to be appropriated9905€134
Appropriation of the result
Profit (loss) to be appropriated9906€134

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,873
Other operating charges640/8€337
Gross operating margin9900€4,136
Operating profit (loss)9901€925
Financial income75/76B€6
Recurring financial income75€6
Financial charges65/66B€749
Recurring financial charges65€749
Profit (loss) for the period before taxes9903€183
Income taxes67/77€49
Profit (loss) for the period9904€134
Profit (loss) for the period to be appropriated9905€134
Line2025
Assets
Total assets20/58€25,970
Fixed assets21/28€14,032
Tangible fixed assets22/27€14,032
Plant, machinery and equipment23€424
Furniture and vehicles24€13,608
Current assets29/58€11,938
Amounts receivable within one year40/41€5,657
Trade receivables40€4,245
Other amounts receivable41€1,412
Cash at bank and in hand54/58€5,704
Deferred charges and accrued income490/1€577
Equity and liabilities
Total equity and liabilities10/49€25,970
Equity10/15€10,134
Contributions10/11€10,000
Profit (loss) carried forward14€134
Amounts payable17/49€15,836
Amounts payable after more than one year17€7,855
Financial debts170/4€7,855
Amounts payable within one year42/48€7,981
Current portion of amounts payable after more than one year42€5,020
Trade debts44€265
Suppliers440/4€265
Taxes, remuneration and social security45€1,924
Taxes450/3€1,924
Other amounts payable47/48€773
Line2025
Profit (loss) for the period9904€134
+ Depreciation and write-downs630€2,873
Operating cash flow (approximation)€3,008

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
28-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Harelbeke · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
548 m²
Building footprint
176 m²
Volume, LiDAR
733 m³
Parcel 34322B0474/00Y000, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
STUUK
Acacialaan 24, 8530 HarelbekePlumbing work
since 20242.367.043.290
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34322B0474/00Y000 Flanders 548 m² 1 · 176 m² 5.4 m · 1 fl.
Linked by address, not proof of ownership
Good to know
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

Of 7,868 companies in sector 43341 we hold annual accounts for 2,664. 1,659 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded03-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43310Plastering work
43331Floor and wall tiling
43333Wallpapering and laying of floor and wall coverings in other materials
43350Other building finishing work
E-invoicing
Reachable via Peppol
Peppol ID 0208:1016904646
Registered 30-11-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.