Equity
€31,725 from €104,241 in 2022
Equity fell by 70% in 3 years.
Van Compernol Steven
Lifetime
8 annual accounts with figures on one time axispeak €71,384 (2018)
-€7,070▲ €35,998
lowest -€55,216 (2024)
-€9,518▲ €45,698
peak €104,241 (2022)
€31,725▼ 23.1%
€6,896▼ 52.2%
peak 1 FTE (2019)
-not published
Board2 names since 2021
1 directorVan Compernol Steven
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from -€43,068 to -€7,070Loss of €9,518Equity from €41,243 to €31,725Debts from €14,425 to €6,896Cash from €2,994 to €18,694
Key points
from the 2025 annual accountsLosses
-€72,516 in three years
Every financial year from 2023 to 2025 closed with a loss. 2024 was the heaviest.
Position in the sector
-€9,518
Lower net result than 90% of companies in architecture and engineering. Sector median €16,709 · 11,795 companies.
2025 accounts filed 31 days after the deadlineTurnover not published (micro format)
Checked score
94
Excellent
Financially stronger than 50% of micro companies in architecture and engineering (NACE 71)
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: 0.1% across 14,828 companies (NACE 71, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
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: 0.4%▲ +0.4 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.5%▲ +0.1 percentage points vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.4%▼ -0.1 percentage points vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.8%▲ +0.4 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.7 percentage points 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
Loss of €9,518, the second in a row (financial year 2025)
lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Liquidity: current ratio 3.56, cash €18,694
Equity €31,725 (82.1% of total assets)
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 71, micro). It does better than 87% of them on solvency, 88% on liquidity, 4% 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, 3,591 companies had the same profile as Van Compernol Steven has now. Each dot stands for 9 companies, two years later.
87.3%
were still trading
9.4%
stopped another way
3.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Van Compernol Steven itself is lower: 0.1% within 12 months. It rests on far more data about Van Compernol Steven than the profile alone.
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 3,591 companies, not a prediction for Van Compernol Steven. 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 €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.56 (2.34 in 2024), above the usual 1.5. Short-term debt is 17.9% and cash 48.4% of total assets. 17.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€9,518
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
31 days late
2024
13 days early
2023
12 days early
2022
54 days early
2021
51 days early
2020
53 days early
2019
51 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 29 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% 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 18 July (4 of the last 5 accounts filed within 41 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
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0689559142
Change of role: Van Compernol Steven, from manager to director
Appointment: Reynaert Bieke (successor director) · Gazette deed
Incorporation
published on 01-02-2018 · Gazette deed
First establishment
Sijslostraat 73, Oostkamp
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Van Compernol Steven Oostkamp | €38,622 | -€7,070 | 82.1% | - |
| Présense Antwerp | €37,430 | -€1,088 | 12.4% | - |
| KEVIN DE SMET Anzegem | €55,957 | -€357 | 58.8% | - |
| HOMA INTERIORS Forest | €34,581 | -€36,269 | -93.7% | - |
| NOA Creatives Ghent | €26,550 | -€20,297 | 13.2% | - |
| ARHA STUDIO Verviers | €58,937 | -€3,201 | -21.0% | - |
| Atelier 360 Haacht | €27,302 | -€13,707 | 73.6% | - |
These companies have the same main activity as Van Compernol Steven: activities of interior architects (NACE 71112). They are comparable in size and age: total assets between €26,600 and €58,900, founded between 2015 and 2018.
Official details
Source: KBO- Status
- Active since 30-01-2018Normal situation
- Activity
- Activities of interior architectsNACE 71112and 4 others
- Establishment unit
- 2.272.627.8468020 Oostkamp, since 30-01-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 09-10-2025
Insights on Van Compernol Steven
Van Compernol Steven files the micro format. That format states no turnover. The gross margin fell from €71,384 in 2018 to -€7,070 in 2025.
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 Van Compernol Steven
- What is the company number of Van Compernol Steven?
- The company number of Van Compernol Steven is 0689.559.142. The VAT number is the same number with BE in front: BE 0689.559.142.
- Where is Van Compernol Steven based?
- The registered office is at Sijslostraat 73, 8020 Oostkamp.Company details
- What does Van Compernol Steven do?
- According to the KBO register, the main activity is activities of interior architects (NACE 71112).
- What is the legal form of Van Compernol Steven?
- Van Compernol Steven is a private limited company (BV).
- When was Van Compernol Steven founded?
- Van Compernol Steven was founded on 30-01-2018.
- Is Van Compernol Steven still active?
- Yes, Van Compernol Steven is an active enterprise in the KBO register.
- How many employees does Van Compernol Steven have?
- Van Compernol Steven had an average of 0.1 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- What is the turnover of Van Compernol Steven?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.
- Is Van Compernol Steven profitable?
- In financial year 2025, Van Compernol Steven made a loss of €9,518.
- Where can I find the annual accounts of Van Compernol Steven?
- Van Compernol Steven filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Van Compernol Steven due?
- Van Compernol Steven must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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