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S.T.C.M.

Active
Private limited companyfounded 2003active for 23 yearsRue de Herve 552, 4610 Beyne-Heusay, BelgiumKBO/BCE: BE 0479.495.150
Summary

The computed 12-month bankruptcy probability of S.T.C.M. is 2.5% (moderate). The 2024 annual accounts show equity of €49,814 and a net result of €43,914. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 29% of 4,583 sector peers (NACE 70, financial year 2024). The company has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 07-02-2003 Normal situation
Activity
Business and other management consultancy NACE 70200
Establishment unit
2.150.521.573 4610 Beyne-Heusay, since 19-12-2005
Financial year end
31 December
Peppol
Reachable since 06-01-2026

Board and ownership

Board
Shareholders
  • ROMIMMO· score 352023 annual accounts of ROMIMMO

Financial position

51 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
2.5%
Annual accounts 2024
Turnover
€110,378
Profit
€43,914
Equity
€49,814
Total assets
€201,851
  • €9,783 of overdue tax debts on 31-12-2024
  • 2024 accounts filed 115 days after the deadline
Score breakdownraises riskLiquidity: current ratio 2.24, cash €0, halvedFigures for financial year 2024 (filed on 24-11-2025)1 financial year not filed after the legal deadline; last filed accounts filed 115 days late; 1 of the last 3 accounts latelowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2024
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 35% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2023
Average
Solvency 50+22
equity 24.7% of total assets
Liquidity 29-27
short-term debt 43.6% · cash 0.0%
Profitability 97+20
return on assets 21.8%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,536 companies, NACE 70, micro)
Last 24 months 12-2024: 0.1%lowest value 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.2%▲ +0.1 percentage points vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.3%▲ +0.1 percentage points vs 03-2025 05-2025: 0.4%▲ +0.1 percentage points vs 04-2025 06-2025: 0.5%▲ +0.1 percentage points vs 05-2025 07-2025: 1.0%▲ +0.5 percentage points vs 06-2025 08-2025: 1.0%● unchanged vs 07-2025 09-2025: 1.1%▲ +0.1 percentage points vs 08-2025 10-2025: 1.0%▼ -0.1 percentage points vs 09-2025 11-2025: 1.0%● unchanged vs 10-2025 12-2025: 1.1%▲ +0.1 percentage points vs 11-2025 01-2026: 1.2%▲ +0.1 percentage points vs 12-2025 02-2026: 1.2%● unchanged vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.2%● unchanged vs 04-2026 06-2026: 1.1%▼ -0.1 percentage points vs 05-2026 07-2026: 1.0%▼ -0.1 percentage points vs 06-2026 08-2026: 1.5%▲ +0.5 percentage points vs 07-2026 09-2026: 1.8%▲ +0.3 percentage points vs 08-2026 10-2026: 2.5%▲ +0.7 percentage points vs 09-2026highest value 11-2026: 2.5%● unchanged vs 10-2026highest value
Credit of up to €2,500 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline
Liquidity is ample, with a current ratio of 2.24 (1.71 in 2023), above the usual 1.5. Short-term debt is 43.6% and cash 0% of total assets. However, 75.3% of the assets are financed with debt and provisions.
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 70, micro). It does better than 27% of them on solvency, 12% on liquidity and 67% on profitability.

The bankruptcy probability was computed on 03-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Liquidity: current ratio 2.24, cash €0, halved
NBB · annual accounts
raises risk · Figures for financial year 2024 (filed on 24-11-2025)
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 115 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
raises risk · 2024 accounts filed 115 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-11-2025, 115 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2024
115 days late
2023
2 days early
2022
4 days early
2021
9 days late
2020
29 days late
2019
1 day early
2018
3 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 20 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Less equity than 81% of companies in head offices and management consultancysector median €543,179 · 4,588 companies €49,814 View

Recent changes

  1. · Gazette deed Amendment of the articles
  2. · Gazette deed Resignation: SA Romimmo (director)Appointment: Roger Dumont (director and managing director)
  3. · Gazette deed Resignation: Nahema MOKKEDEM (administrateur provisoire)
All 17 events

Comparable companies

These companies have the same main activity as S.T.C.M.: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €173,000 and €217,000, founded between 2002 and 2005.

CompanyTotal assetsGross margin
S.T.C.M. Beyne-Heusay€201,851€51,430
ROBERTO CALLA Ans€182,026€55,643
DENORME ENERGY SYSTEM Héron€216,672€57,881
TERRE ET BOIS Aubel€182,924€51,713
ADLEGO Wanze€172,531€44,184
PESUS Hasselt€208,501€50,895
BD CONSULTING Sint-Pieters-Woluwe€196,491€49,702
Full comparison

Key facts about S.T.C.M.

What is the company number of S.T.C.M.?
The company number of S.T.C.M. is 0479.495.150. The VAT number is the same number with BE in front: BE 0479.495.150.
Where is S.T.C.M. based?
The registered office is at Rue de Herve 552, 4610 Beyne-Heusay.Company details
What does S.T.C.M. do?
According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of S.T.C.M.?
The legal form of S.T.C.M. is Private limited company (BV).
When was S.T.C.M. founded?
S.T.C.M. was founded on 07-02-2003.
Is S.T.C.M. still active?
Yes, S.T.C.M. is an active enterprise in the KBO register.
What is the turnover of S.T.C.M.?
The turnover of S.T.C.M. was €110,378 in financial year 2024, according to the filed annual accounts.Financials
Is S.T.C.M. profitable?
In financial year 2024, S.T.C.M. made a profit of €43,914.
Where can I find the annual accounts of S.T.C.M.?
S.T.C.M. filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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