Turnover
≈ €100,000 estimated
The micro format states no turnover.
VERVOERONDERNEMING STEVENS DIRK
Lifetime
20 annual accounts with figures on one time axis, 37 filings since 1989peak €86,942 (2006)
€29,662▼ 59.3%
lowest -€63,119 (2014)
-€11,629▼ €31,029
peak €144,089 (2024)
€132,460▼ 8.1%
€14,802▼ 0.9%
peak 0.9 FTE (2006)
-not published
Board1 name since 1989
1 directorSTEVENS Dirk
Documentsfilings and deeds
16-07-202615 days before the deadline
2025micro format
Gross margin from €72,931 to €29,662Loss of €11,629
Key points
from the 2025 annual accountsFilings
37 annual accounts since 1989
Five of the last ten came late. The 2016 accounts came latest: 31 days after the end of the period.
Position in the sector
-€11,629
Lower net result than 86% of companies in land transport. Sector median €5,669 · 5,918 companies.
Checked score
90
Excellent
Financially stronger than 62% of micro companies in land transport (NACE 49)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 9,092 companies (NACE 49, micro).
About 2 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 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025lowest value
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: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.2%● unchanged vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Land transport and transport via pipelines (NACE 49)
Loss of €11,629 (financial year 2025)
lowers risk
Liquidity: current ratio 8.59, cash €54,858
Equity €132,460 (89.9% 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 49, micro). It does better than 92% of them on solvency, 95% on liquidity, 32% on profitability and 28% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 12,322 companies had the same profile as VERVOERONDERNEMING STEVENS DIRK has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of VERVOERONDERNEMING STEVENS DIRK itself: 0.2% within 12 months.
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 12,322 companies, not a prediction for VERVOERONDERNEMING STEVENS DIRK. 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 €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 8.59 (7.94 in 2024), above the usual 1.5. Short-term debt is 10.1% and cash 37.3% of total assets. 10.1% 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
Five signals.
lowers riskraises riskneutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 days early
2024
9 days early
2023
34 days early
2022
28 days late
2021
3 days early
2020
31 days late
2019
13 days late
← 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 2 days after the deadline. In the sector (NACE 49), the median for financial year 2024 was on the deadline day, and 49% 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 22 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0437464456
Resignation: STEVENS Dirk (manager)
Reappointment: STEVENS Dirk (director) · Director discharge: STEVENS Dirk · Gazette deed
First establishment
Hooiland 51, Ghent
Incorporation
published on 08-06-1989 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VERVOERONDERNEMING STEVENS DIRK Ghent | €147,262 | €29,662 | 89.9% | - |
| TRANSPORT VAN VLAENDEREN Merelbeke-Melle | €153,662 | €35,475 | 79.2% | - |
| HAULET Geraardsbergen | €118,405 | €30,373 | 98.8% | - |
| TRANSPORT VAN LIEROP - VAN POTTELBERG Sint-Niklaas | €187,876 | €26,686 | 69.1% | - |
| Transports Waseige Herstal | €124,861 | €31,773 | 93.0% | - |
| VAN.DO Zoersel | €176,698 | €27,235 | 34.9% | - |
| KATIA Haacht | €144,203 | €30,723 | 96.7% | - |
These companies have the same main activity as VERVOERONDERNEMING STEVENS DIRK: freight transport by road (NACE 49410). They are comparable in size and age: total assets between €118,000 and €188,000, founded between 1982 and 1993.
Official details
Source: KBO- Status
- Active since 16-05-1989Normal situation
- Activity
- Freight transport by roadNACE 49410
- Establishment unit
- 2.043.770.3039030 Ghent, since 19-06-1989
- Financial year end
- 31 December
- Peppol
- Reachable since 25-04-2025
Annual accounts 2025
- €147,262▼ 7.4%
- Filing
- Filed on 16-07-2026, 15 days before the end of the filing period
Insights on VERVOERONDERNEMING STEVENS DIRK
VERVOERONDERNEMING STEVENS DIRK files the micro format. That format states no turnover. The gross margin fell from €86,942 in 2006 to €29,662 in 2025.
The balance sheet grew most in 2021 through fixed assets.
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 VERVOERONDERNEMING STEVENS DIRK
- What is the company number of VERVOERONDERNEMING STEVENS DIRK?
- The company number of VERVOERONDERNEMING STEVENS DIRK is 0437.464.456. The VAT number is the same number with BE in front: BE 0437.464.456.
- Where is VERVOERONDERNEMING STEVENS DIRK based?
- The registered office is at Hooiland 51, 9030 Ghent.Company details
- What does VERVOERONDERNEMING STEVENS DIRK do?
- According to the KBO register, the main activity is freight transport by road (NACE 49410).
- What is the legal form of VERVOERONDERNEMING STEVENS DIRK?
- VERVOERONDERNEMING STEVENS DIRK is a private limited company (BV).
- When was VERVOERONDERNEMING STEVENS DIRK founded?
- VERVOERONDERNEMING STEVENS DIRK was founded on 16-05-1989.
- Is VERVOERONDERNEMING STEVENS DIRK still active?
- Yes, VERVOERONDERNEMING STEVENS DIRK is an active enterprise in the KBO register.
- What is the turnover of VERVOERONDERNEMING STEVENS DIRK?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €29,662 and 57 comparable companies (NACE 49410). It probably lies between €77,000 and €160,000.Financials
- Is VERVOERONDERNEMING STEVENS DIRK profitable?
- In financial year 2025, VERVOERONDERNEMING STEVENS DIRK made a loss of €11,629.
- Where can I find the annual accounts of VERVOERONDERNEMING STEVENS DIRK?
- VERVOERONDERNEMING STEVENS DIRK filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VERVOERONDERNEMING STEVENS DIRK due?
- VERVOERONDERNEMING STEVENS DIRK must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.