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ST.LO

Active
Private limited companyfounded 2023active for 2 yearsBevrijdingsstraat 25, 2960 Brecht, BelgiumKBO/BCE: BE 1003.018.996
Summary

The computed 12-month bankruptcy probability of ST.LO is 1.9% (moderate). The 2025 annual accounts show equity of €16,176 and a net result of -€486. Equity has been growing by about 42% per year since 2023. Its solvency ranks better than 26% of 22,773 sector peers (NACE 47, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 05-12-2023 Normal situation
Activity
Other non-specialised retail sale NACE 47120
Establishment unit
2.352.850.905 2960 Brecht, since 05-12-2023
Financial year end
31 December
Peppol
Reachable since 30-01-2025

Board and ownership

Board

Financial position

52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Annual accounts 2025
Gross margin
€471
▼ 97.3%
Turnover
≈ €5,000
estimated
Loss
€486
Equity
€16,176
▼ 2.9%
Total assets
€285,084
▲ 66.9%
Filed on 08-05-2026, 84 days before the deadline
Score breakdownraises riskFounded in 2023Sector: Retail trade (NACE 47)Equity €16,176 (5.7% of total assets)lowers riskSize: total assets €285,084Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 23% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 31-4
equity 5.7% of total assets
Liquidity 6-28
short-term debt 94.3% · cash 4.7%
Profitability 37-21
return on assets -0.2%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 01-2025: 0.5%lowest value 02-2025: 0.5%● unchanged vs 01-2025lowest value 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.6%▲ +0.1 percentage points vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 1.2%▲ +0.6 percentage points vs 06-2025 08-2025: 1.3%▲ +0.1 percentage points vs 07-2025 09-2025: 1.3%● unchanged vs 08-2025 10-2025: 1.2%▼ -0.1 percentage points vs 09-2025 11-2025: 1.3%▲ +0.1 percentage points vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.3%● unchanged vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.4%▲ +0.1 percentage points vs 03-2026 05-2026: 1.4%● unchanged vs 04-2026 06-2026: 2.2%▲ +0.8 percentage points vs 05-2026highest value 07-2026: 2.1%▼ -0.1 percentage points vs 06-2026 08-2026: 2.1%● unchanged vs 07-2026 09-2026: 1.9%▼ -0.2 percentage points vs 08-2026 10-2026: 1.9%● unchanged vs 09-2026 11-2026: 1.9%● unchanged vs 10-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.06 (1.11 in 2024), below the usual 1.5. Short-term debt is 94.3% and cash 4.7% of total assets. 94.3% 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 47, micro). It does better than 23% of them on solvency, 8% on liquidity, 28% on profitability and 34% on growth.

The bankruptcy probability was computed on 01-11-2026 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 riskneutral
raises risk · Founded in 2023
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €285,084
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Equity €16,176 (5.7% of total assets)
NBB · annual accounts
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 08-05-2026, 84 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
84 days early
2024
42 days early
2023
6 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 40 days before 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 (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 19 June (3 of the last 3 accounts filed within 49 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2023.
KBO publications

Recent changes

  1. · Gazette deed IncorporationStarting capital €5,000 · Appointment: MARTENS Ivan Julia Jacob (director)
All 5 events

Comparable companies

These companies have the same main activity as ST.LO: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €220,000 and €482,000, founded between 2023 and 2024.

CompanyTotal assetsGross margin
ST.LO Brecht€285,084€471
KVG SERVICE Essen€236,541-€49,428
CP2 DIGITAL Lint€220,471-€972,133
Kerpel Tervuren€248,659-€2,784
What The Hek Wingene€273,758-€167,024
ELM MANAGEMENT Brussel€317,453-€71,406
Provix België Antwerpen€482,304-€65,539
Full comparison

Key facts about ST.LO

What is the company number of ST.LO?
The company number of ST.LO is 1003.018.996. The VAT number is the same number with BE in front: BE 1003.018.996.
Where is ST.LO based?
The registered office is at Bevrijdingsstraat 25, 2960 Brecht.Company details
What does ST.LO do?
According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
What is the legal form of ST.LO?
The legal form of ST.LO is Private limited company (BV).
When was ST.LO founded?
ST.LO was founded on 05-12-2023.
Is ST.LO still active?
Yes, ST.LO is an active enterprise in the KBO register.
What is the turnover of ST.LO?
The turnover in financial year 2025 is ≈ €5,000. This figure is estimated from the gross margin of €471 and 33 comparable companies (NACE 47120). It probably lies between €2,400 and €11,000. It is a rough estimate.Financials
Is ST.LO profitable?
In financial year 2025, ST.LO made a loss of €486.
Where can I find the annual accounts of ST.LO?
ST.LO filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ST.LO due?
ST.LO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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