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ST&N

Active
Private limited companyfounded 20251 yr activeBrusselsesteenweg 67, 3020 Herent, BelgiumKBO/BCE: BE 1020.320.630
Summary

The computed 12-month bankruptcy probability of ST&N is 2.4% (moderate). The 2025 annual accounts show negative equity (-€1,657) and a net result of -€16,657. Its solvency ranks better than 18% of 18716 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency12
Growth-
Track record67
Bankruptcy probability, 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.88; short-term debt: 113.3% and cash: 90.8% of total assets), and equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-13.3%
Return on assets
-134%
Age of the figures
9 mo
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2025
10 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

ST&N was incorporated on 24 February 2025 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€1,657
Total assets
€12,434
Net result
-€16,657
Working capital
-€1,657

Turnover and EBIT margin not published: the micro schema does not require them.

Key figures and ratios
2025 value
Solvency
-13.3%
Current ratio
0.88
Debt to equity
-8.50
ROA
-134.0%
Debt
€14,092
Debt ≤ 1 year
€14,092

Peer companies

Historical observation

Of the 1,322 companies that looked in July 2024 the way this one looks now, 4.2% went bankrupt within 24 months and 90% are still going.

  • Micro
  • under 2 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
4.2% went bankrupt
5.5% stopped otherwise
90% still going

For this company itself Checked computes a bankruptcy probability of 2.4% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,322 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 21 lines
Balance sheet Code2025
Assets
Total assets20/58€12,434
Current assets29/58€12,434
Amounts receivable within one year40/41€1,141
Other amounts receivable41€1,141
Cash at bank and in hand54/58€11,293
Equity and liabilities
Total equity and liabilities10/49€12,434
Equity10/15-€1,657
Contributions10/11€15,000
Profit (loss) carried forward14-€16,657
Amounts payable17/49€14,092
Amounts payable within one year42/48€14,092
Other amounts payable47/48€14,092
Income statement Code2025
Non-recurring operating charges66A€5,662
Gross operating margin9900-€6,898
Operating profit (loss)9901-€12,560
Financial charges65/66B€4,097
Recurring financial charges65€4,097
Profit (loss) for the period before taxes9903-€16,657
Profit (loss) for the period9904-€16,657
Profit (loss) for the period to be appropriated9905-€16,657
Appropriation of the result
Profit (loss) to be appropriated9906-€16,657

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Non-recurring operating charges66A€5,662
Gross operating margin9900-€6,898
Operating profit (loss)9901-€12,560
Financial charges65/66B€4,097
Recurring financial charges65€4,097
Profit (loss) for the period before taxes9903-€16,657
Profit (loss) for the period9904-€16,657
Profit (loss) for the period to be appropriated9905-€16,657
Line2025
Assets
Total assets20/58€12,434
Current assets29/58€12,434
Amounts receivable within one year40/41€1,141
Other amounts receivable41€1,141
Cash at bank and in hand54/58€11,293
Equity and liabilities
Total equity and liabilities10/49€12,434
Equity10/15-€1,657
Contributions10/11€15,000
Profit (loss) carried forward14-€16,657
Amounts payable17/49€14,092
Amounts payable within one year42/48€14,092
Other amounts payable47/48€14,092
Line2025
Profit (loss) for the period9904-€16,657
Operating cash flow (approximation)-€16,657

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
10-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Herent · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
876 m²
Building footprint
153 m²
Volume, LiDAR
603 m³
Parcel 24127E0018/00X005, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
ST&N
Brusselsesteenweg 67, 3020 HerentManufacture of food products
since 20252.370.607.942
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24127E0018/00X005 Flanders 876 m² 1 · 153 m² 6.4 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded24-02-2025
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
96220Beauty care and other beauty treatments
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.