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Generated 16-08-2026
Active BE 0430.751.858Public limited company

JOS STUBBE

Huibrechtstraat 1 ·2500 Lier, Belgium· 39 yrs active
Sector: Activiteiten van verzekeringsagenten en -makelaars (66220)
Conclusion Checked

JOS STUBBE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2023 annual accounts show equity of €31k and a net result of €2k. Equity is growing by ~53.3% per year across the filed fiscal years. Its solvency ranks better than 42% of 619 sector peers (fiscal year 2023). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €31k
Net result €2k
Staff (FTE) 1
Better than sector 42%
Financial profile 4 of 5 axes measured · computed by Checked
Health-Profitability34Solvency51Growth78Stability100
66 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 34
Solvency 51
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1987, 39 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview10 NBB filings
Annual accounts filed on 20-12-2024 with the NBB · fiscal year 2023 · micro
€-100k€-50k€0€50kOperating result 2019: €4k€4kNet result 2019: €-100k€-100kOperating result 2020: €28k€28kNet result 2020: €25k€25kOperating result 2021: €34k€34kNet result 2021: €25k€25kOperating result 2022: €11k€11kNet result 2022: €3k€3kOperating result 2023: €2k€2kNet result 2023: €2k€2k20192020202120222023
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~53.3%/year over 6 fiscal years, indicative, assuming unchanged policy.
€-50k€0€50k€100k2024: €58k (€48k - €67k)2025: €72k (€57k - €87k)2026: €86k (€66k - €106k)2018: €-29k2019: €-25k2020: €-642021: €25k2022: €29k2023: €31k201820192020202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 27.1% 38.1%
better than 42% of 619 sector peers
Net result €2k €23k
better than 27% of 620 sector peers
Equity €31k €52k
better than 38% of 620 sector peers
Gross operating margin €64k €67k
better than 49% of 619 sector peers
Staff costs €50k €69k
higher than 39% of 225 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€2k
-40.3% 18-23
Total assets
€114k
+16.1% 18-23
Equity
€31k
+7.2% 18-23
Employees (FTE)
1
0.0% 18-23
Staff costs
€50k
+17.0% 18-23
Income taxes
€2k
-80.4% 18-23
Debt
€83k
+19.8% 18-23
Debt ≤ 1y
€67k
+32.6% 18-23
Show 4 other metrics
Debt > 1y
€13k
-32.8% 18-23
Solvency
27.1%
-7.6% 18-23
ROE
6.7%
-44.3% 18-23
ROA
1.8%
-48.6% 18-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€2k
Cash flown/a
Staff costs€50k
Income taxes€2k
Dividends-
Total assets€114k
Equity€31k
Debt€83k
of which ≤ 1y€67k
of which > 1y€13k
Working capitaln/a
Employees (FTE)1.0
Ratios (computed)
2023
Current ration/a
Quick ration/a
Working capital ration/a
Solvency27.1%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA1.8%
ROE6.7%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2023
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€114k
Fixed assets 21/28€19k
Tangible fixed assets 22/27€19k
Current assets 29/58€95k
Amounts receivable within one year 40/41€91k
Cash & bank 54/58€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€114k
Equity 10/15€31k
Contributions / capital 10/11€62k
Reserves 13€13k
Accumulated profits (losses) 14€-44k
Amounts payable 17/49€83k
Amounts payable after one year 17€13k
Amounts payable within one year 42/48€67k
Trade debts payable within one year 44€13k
Income statement
Gross operating margin 9900€64k
Operating result 9901€2k
Financial income 75€3k
Financial charges 65€899
Result before taxes 9903€4k
Income taxes 67/77€2k
Net result for the period 9904€2k
Result to be appropriated 9905€2k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van verzekeringsagenten en -makelaars(66220)
Legal form Public limited company(014)
Incorporation17-03-1987
StatusActive
Postal code2500
Establishment units 1 location
JOS STUBBE NV
Huibrechtstraat 1, 2500 LierPersonenvervoer door de lucht
since 19872.031.540.581
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12021G0529/00B000 Flanders 78 m² 1 · 83 m² 10.7 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
20-12-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
28-12-2023
State Gazette act Director changes
11-12-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
09-02-2023
NBB filing Annual accounts filed
fiscal year 2021 · micro
2022
22-04-2022
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
17-12-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
22-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
27-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
22-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
26-09-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
28-09-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
28-12-2023 2 reappointed Director changes
  • Steven Stubbe, Bestuurder
  • Roza Adams, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Steven Stubbe",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-06-24",
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Roza Adams",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-06-24",
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-12-28",
    "filing_date": null,
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-12-18",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0430.751.858",
    "name_full": null,
    "legal_form": "NV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220Verzekeringsmakelaars en -agenten67201
Primary activity highlighted.
Names & trade names
Legal nameNL JOS STUBBE
Registered office
Huibrechtstraat 1
2500 Lier, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative