StYve'S @telier
ActiveSummary
StYve'S @telier has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€11,723) and a net result of €1,246. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 28374 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+3
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.63 in 2024; short-term debt: 176.2% and cash: 32.9% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-76.2%
Return on assets
8.1%
Age of the figures
18 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 28374 sector peers (2025).
NBB · sector comparisonPosition among 28374 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
3 d early
2021
26 d late
2020
26 d late
2019
on the day
← 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 7 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · 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. Usually files around 31 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close30-09-2026 today31-10-2026 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€11,723▲ 9.6%
2024 · -€12,970
Total assets
€15,391▼ 33.7%
2024 · €23,223
Net result
€1,246▼ 12.3%
2024 · €1,420
Working capital
-€12,006▲ 10.0%
2024 · -€13,333
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€4,149▲ 52.7%-€224-€21,829▼ 9,645%€1,540€1,378▼ 10.5%
Net result€1,360within the sector's middle half▲ 359%€2,769within the sector's middle half▲ 104%-€21,978below the sector's middle half€1,420within the sector's middle half€1,246within the sector's middle half▼ 12.3%
Equity€4,819below the sector's middle half▲ 39.3%€7,588below the sector's middle half▲ 57.5%-€14,390below the sector's middle half-€12,970below the sector's middle half▲ 9.9%-€11,723below the sector's middle half▲ 9.6%
Total assets€26,483below the sector's middle half▼ 35.5%€30,750below the sector's middle half▲ 16.1%€1,179below the sector's middle half▼ 96.2%€23,223below the sector's middle half▲ 1,870%€15,391below the sector's middle half▼ 33.7%
Debt€21,664▼ 42.4%€23,162▲ 6.9%€15,569▼ 32.8%€36,193▲ 132%€27,114▼ 25.1%
Working capital€4,819within the sector's middle half▲ 51.5%€7,588within the sector's middle half▲ 57.5%-€14,390below the sector's middle half-€13,333below the sector's middle half▲ 7.3%-€12,006below the sector's middle half▲ 10.0%
Solvency18.2%below the sector's middle half▲ 9.8pp24.7%within the sector's middle half▲ 6.5pp-55.8%below the sector's middle half-76.2%below the sector's middle half▼ 20.3pp
Current ratio1.22within the sector's middle half▲ 0.141.33within the sector's middle half▲ 0.110.63below the sector's middle half0.56below the sector's middle half▼ 0.07
Return on assets (ROA)5.1%within the sector's middle half▲ 4.4pp9.0%within the sector's middle half▲ 3.9pp6.1%within the sector's middle half8.1%within the sector's middle half▲ 2.0pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15,391
Fixed assets
€283 ▼ 22.1%
Current assets
€15,108 ▼ 33.9%
Equity and liabilities
Equity-€11,723
Debt€27,114
Equity is negative: debt (€27,114) exceeds the balance-sheet total (€15,391).
Key figures and ratios
EBITDA
€1,458▼
2024 · €1,581
Cash flow
€1,327▼
2024 · €1,461
Interest coverage
11.07▼
2024 · 13.18
Debt ≤ 1 year
€27,114▼
2024 · €36,193
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,632 companies that looked in July 2024 the way this one looks now, 2.9% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.9%
went bankrupt
4.8%
stopped otherwise
92%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
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 3,632 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €279 | - | - | €41 | €81 | ▲ 97.0% |
| Other operating charges640/8 | - | €1,998 | €529 | €233 | €141 | ▼ 39.7% |
| Gross operating margin9900 | €5,026 | €1,774 | -€21,300 | €1,814 | €1,599 | ▼ 11.9% |
| Operating profit (loss)9901 | €4,149 | -€224 | -€21,829 | €1,540 | €1,378 | ▼ 10.5% |
| Financial income75/76B | - | €4,789 | - | - | - | - |
| Recurring financial income75 | - | €4,789 | - | - | - | - |
| Non-recurring financial income76B | - | €4,789 | - | - | - | - |
| Financial charges65/66B | - | €788 | €149 | €120 | €132 | ▲ 9.8% |
| Recurring financial charges65 | €2,294 | €788 | €149 | €120 | €132 | ▲ 9.8% |
| Profit (loss) for the period before taxes9903 | €1,855 | €3,777 | -€21,978 | €1,420 | €1,246 | ▼ 12.3% |
| Income taxes67/77 | €495 | €1,008 | - | - | - | - |
| Profit (loss) for the period9904 | €1,360 | €2,769 | -€21,978 | €1,420 | €1,246 | ▼ 12.3% |
| Profit (loss) for the period to be appropriated9905 | €1,360 | €2,769 | -€21,978 | €1,420 | €1,246 | ▼ 12.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,483 | €30,750 | €1,179 | €23,223 | €15,391 | ▼ 33.7% |
| Fixed assets21/28 | - | - | - | €363 | €283 | ▼ 22.1% |
| Tangible fixed assets22/27 | - | - | - | €363 | €283 | ▼ 22.1% |
| Furniture and vehicles24 | - | - | - | €363 | €283 | ▼ 22.1% |
| Current assets29/58 | €26,483 | €30,750 | €1,179 | €22,860 | €15,108 | ▼ 33.9% |
| Stocks and contracts in progress3 | - | - | - | €3,500 | - | - |
| Stocks30/36 | - | - | - | €3,500 | - | - |
| Amounts receivable within one year40/41 | €22,664 | €28,542 | €334 | €15,493 | €10,043 | ▼ 35.2% |
| Trade receivables40 | - | €28,459 | - | €15,204 | €10,024 | ▼ 34.1% |
| Other amounts receivable41 | - | €83 | €334 | €289 | €19 | ▼ 93.5% |
| Cash at bank and in hand54/58 | €2,243 | €2,208 | €845 | €3,867 | €5,065 | ▲ 31.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,483 | €30,750 | €1,179 | €23,223 | €15,391 | ▼ 33.7% |
| Equity10/15 | €4,819 | €7,588 | -€14,390 | -€12,970 | -€11,723 | ▲ 9.6% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,230 | €1,230 | €1,230 | €1,230 | €1,230 | = |
| Non-distributable reserves130/1 | - | €1,230 | €1,230 | - | - | - |
| Reserves not available under the articles1311 | - | €1,230 | €1,230 | - | - | - |
| Distributable reserves133 | - | - | - | €1,230 | €1,230 | = |
| Profit (loss) carried forward14 | -€15,011 | -€12,242 | -€34,220 | -€32,800 | -€31,554 | ▲ 3.8% |
| Amounts payable17/49 | €21,664 | €23,162 | €15,569 | €36,193 | €27,114 | ▼ 25.1% |
| Amounts payable within one year42/48 | €21,664 | €23,162 | €15,569 | €36,193 | €27,114 | ▼ 25.1% |
| Trade debts44 | €1,674 | €3,113 | €218 | €173 | €3,094 | ▲ 1,689% |
| Suppliers440/4 | - | €3,113 | €218 | €173 | €3,094 | ▲ 1,689% |
| Taxes, remuneration and social security45 | - | €1,929 | €31 | €12,000 | - | - |
| Taxes450/3 | - | €1,929 | €31 | €3,750 | - | - |
| Remuneration and social security454/9 | - | - | - | €8,250 | - | - |
| Other amounts payable47/48 | - | €18,120 | €15,320 | €24,020 | €24,020 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,360 | €2,769 | -€21,978 | €1,420 | €1,246 | ▼ 12.3% |
| + Depreciation and write-downs630 | €279 | - | - | €41 | €81 | ▲ 97.0% |
| Operating cash flow (approximation) | €1,639 | €2,769 | -€21,978 | €1,461 | €1,327 | ▼ 9.2% |
| Investment in fixed assets (approximation) | - | - | - | - | -€0 | - |
| Change in cash | - | -€35 | -€1,363 | €3,022 | €1,198 | ▼ 60.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €1,420
Net result €1,420 after one loss-making year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet -€21,978
Net result drops to -€21,978, the lowest in the series; recovery starts the following year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2019net €2,769 ▲104%
Net result €2,769, the highest in the series.
2021
26-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
04-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
No directors read yet: 0 of 7 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Haaltert · 1 establishment unit since 2008
Ground area
680 m²
Building footprint
143 m²
Volume, LiDAR
786 m³
Parcel 41024A0711/00N000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
StYve'S @telier
since 20082.174.393.867
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41024A0711/00N000 | Flanders | 680 m² | 1 · 143 m² | 10.0 m · 2 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 and region
ABXTRACT
BE 0896.500.229
Haaltert
Plamuur Expert
BE 0823.467.345
Haaltert
ZONEN DE SCHRYVER
BE 0416.765.844
Haaltert
AGERE FACILE
BE 0479.406.266
Aalter
ALCASTUC
BE 0472.399.797
Assenede
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 4,018 companies in this sector we hold annual accounts for 1,749. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded03-11-2008
Fiscal year end31-03
Activities, NACEBEL 2025
43310Plastering work
43341Painting of buildings
43421Specialised construction activities
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0807527473
Also
9925:BE0807527473
Registered
30-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.