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S.T.M-Trading

Active
Private limited companyfounded 2022active for 4 yearsKommandant Ponthierstraat 75-77, 1040 Etterbeek, BelgiumKBO/BCE: BE 0789.808.642

From the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette

The file of S.T.M-Trading contains 2 historical bankruptcy publications, as published in the Belgian Official Gazette.

Summary

The computed 12-month bankruptcy probability is 7.2% (elevated). The 2024 annual accounts show negative equity (-€13,320) and a net result of -€17,327. Its solvency ranks better than 19% of 25,566 sector peers (NACE 47, financial year 2024).

Overview

Official details

KBO
Status
Active since 21-08-2022 Normal situation
Activity
Retail trade NACE 47519and 3 others
Establishment units
2.335.078.129 1080 Sint-Jans-Molenbeek, since 21-08-2022
2.361.086.502 1080 Sint-Jans-Molenbeek, since 14-04-2024
Financial year end
31 December
Peppol
Not found in the Peppol Directory

Board and ownership

Board

Financial position

32 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
7.2%
Annual accounts 2024
Gross margin
-€7,430
▼ 1,274%
Loss
€17,327
▲ 189%
Equity
-€13,320
▼ 234%
Total assets
€150,500
▲ 43×
Staff
≈ 0.4 FTE
estimated
Turnover not published (micro format)2025 accounts not filed, 93 days past the deadline
Filed on 02-10-2025PDF
Score breakdownraises risk1 financial year not filed after the legal deadline; last filed accounts filed 63 days late; 2 of the last 3 accounts lateFigures for financial year 2024 (filed on 03-10-2025)Founded in 20222 establishment unitsShow the evidence

Checked score

Score 2024
32 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 13% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2023
Weak
Solvency 16+16
equity -8.9% of total assets
Liquidity 16-34
short-term debt 108.9% · cash 12.4%
Profitability 9+9
return on assets -11.5%
Bankruptcy probability within 12 months
7.2% Elevated
0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 9.7% 12-2024: 9.7%● unchanged vs 11-2024 01-2025: 9.8%▲ +0.1 percentage points vs 12-2024 02-2025: 9.9%▲ +0.1 percentage points vs 01-2025 03-2025: 9.8%▼ -0.1 percentage points vs 02-2025 04-2025: 10.6%▲ +0.8 percentage points vs 03-2025 05-2025: 11.1%▲ +0.5 percentage points vs 04-2025highest value 06-2025: 11.1%● unchanged vs 05-2025 07-2025: 5.8%▼ -5.3 percentage points vs 06-2025 08-2025: 6.6%▲ +0.8 percentage points vs 07-2025 09-2025: 6.7%▲ +0.1 percentage points vs 08-2025 10-2025: 10.3%▲ +3.6 percentage points vs 09-2025 12-2025: 5.2% 01-2026: 5.1%▼ -0.1 percentage points vs 12-2025 02-2026: 5.1%● unchanged vs 01-2026 03-2026: 5.0%▼ -0.1 percentage points vs 02-2026 04-2026: 5.1%▲ +0.1 percentage points vs 03-2026 05-2026: 4.5%▼ -0.6 percentage points vs 04-2026lowest value 06-2026: 4.5%● unchanged vs 05-2026 07-2026: 4.6%▲ +0.1 percentage points vs 06-2026 08-2026: 5.3%▲ +0.7 percentage points vs 07-2026 09-2026: 5.7%▲ +0.4 percentage points vs 08-2026 10-2026: 7.2%▲ +1.5 percentage points vs 09-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.87, below 1. Short-term debt is 108.9% and cash 12.4% of total assets. Equity is negative.
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 47, micro). It does better than 16% of them on solvency, 15% on liquidity, 17% on profitability and 3% on growth.

The bankruptcy probability was computed on 31-10-2026 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

Eight signals.
raises riskneutral
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 63 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Figures for financial year 2024 (filed on 03-10-2025)
NBB · annual accounts
raises risk · Founded in 2022
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 2 establishment units
KBO · seat and establishments
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
2324
2023 to 2024 · latest year -€13,320
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian Official Gazette, no current open procedure.
Belgian Official Gazette
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 93 days later.
NBB · 2 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline01-11-2026 today
raises risk · 2024 accounts filed 63 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-10-2025, 63 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filings
Deviation from the deadline
2025
not filed
2024
63 days late
2023
56 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 2 accounts on average 60 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2024 -€13,320 View
  • Caution: Lower net result than 87% of companies in retail tradesector median €4,565 · 25,542 companies -€17,327 View

Comparable companies

These companies have the same main activity as S.T.M-Trading: retail trade (NACE 47519). They are comparable in size and age: total assets between €55,300 and €275,000, founded between 2018 and 2024.

CompanyTotal assetsGross margin
S.T.M-Trading Etterbeek€150,500-€7,430
MBA CONCEPT Vilvoorde€97,046€1,700
VNL CONCEPT Perwez€85,644-€10,544
ARCH TRADING Anderlecht€154,875-€3,065
MERALUNE Brugge€55,270-€20,243
Eclips Projects Genk€88,446€3,666
NEWLOOKHOME Anderlecht€274,748€7,413
Full comparison

Documents

Key facts about S.T.M-Trading

What is the company number of S.T.M-Trading?
The company number of S.T.M-Trading is 0789.808.642. The VAT number is the same number with BE in front: BE 0789.808.642.
Where is S.T.M-Trading based?
The registered office is at Kommandant Ponthierstraat 75-77, 1040 Etterbeek.Company details
What does S.T.M-Trading do?
According to the KBO register, the main activity is retail trade (NACE 47519).
What is the legal form of S.T.M-Trading?
The legal form of S.T.M-Trading is Private limited company (BV).
When was S.T.M-Trading founded?
S.T.M-Trading was founded on 21-08-2022.
Is S.T.M-Trading still active?
Yes, S.T.M-Trading is an active enterprise in the KBO register.
What is the turnover of S.T.M-Trading?
The annual accounts for financial year 2024 state no turnover. The micro format does not require it. In financial year 2023 turnover was €17,438.Financials
Is S.T.M-Trading profitable?
In financial year 2024, S.T.M-Trading made a loss of €17,327.
Where can I find the annual accounts of S.T.M-Trading?
S.T.M-Trading filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2024.Annual accounts 2024 (PDF)

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