stabimi
ActiveSummary
stabimi has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €556k and a net result of €23k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 61% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-5
Solvency69▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 6.2 in 2024; short-term debt: 19.5% and cash: 7.5% of total assets), and 55.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.1%
Return on assets
1.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 6 filingsDeviation from the deadline
2025
19 d late
2024
22 d early
2023
30 d late
2022
31 d early
2021
25 d late
2020
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€556k▲ 4.2%
2024 · €534k
Total assets
€1.26M▲ 20.5%
2024 · €1.05M
Net result
€23k▼ 64.3%
2024 · €64k
Working capital
€80k▼ 84.5%
2024 · €512k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€105k▼ 58.2%€142k▲ 34.7%€168k▲ 18.8%€97k▼ 42.2%€43k▼ 55.9%
Net result€75k▼ 55.7%€100k▲ 32.5%€116k▲ 16.8%€64k▼ 45.3%€23k▼ 64.3%
Equity€255k▲ 41.8%€354k▲ 39.1%€470k▲ 32.8%€534k▲ 13.5%€556k▲ 4.2%
Total assets€363k▲ 30.0%€691k▲ 90.2%€833k▲ 20.6%€1.05M▲ 25.9%€1.26M▲ 20.5%
Debt€109k▲ 8.8%€336k▲ 210%€362k▲ 7.7%€514k▲ 41.9%€706k▲ 37.3%
Working capital€115k▲ 176%€350k▲ 205%€441k▲ 26.2%€512k▲ 16.1%€80k▼ 84.5%
Staff (FTE)0.31.8▲ 500%2.9▲ 61.1%3.8▲ 31.0%3.7▼ 2.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.26M
Fixed assets
€937k ▲ 114%
Current assets
€326k ▼ 46.7%
Equity and liabilities €1.26M
Equity
€556k ▲ 4.2%
Debt
€706k ▲ 37.3%
Debt's share of the balance-sheet total rises from 49.1% to 55.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€124k▼
2024 · €164k
Cash flow
€104k▼
2024 · €131k
Current ratio
1.32▼
2024 · 6.20
Quick ratio
1.11▼
2024 · 6.05
Debt to equity
1.27▲
2024 · 0.96
ROE
4.1%▼
2024 · 11.9%
ROA
1.8%▼
2024 · 6.1%
Interest coverage
9.21▼
2024 · 14.84
Debt ≤ 1 year
€246k▲
2024 · €99k
Debt > 1 year
€460k▲
2024 · €416k
Income taxes
€11k▼
2024 · €27k
Staff costs
€229k▲
2024 · €208k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €8k | €70k | €143k | €208k | €229k | ▲ 10.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28k | €46k | €53k | €67k | €82k | ▲ 21.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €1k | - | - | - | - |
| Other operating charges640/8 | €1k | €3k | €6k | €4k | €2k | ▼ 55.0% |
| Gross operating margin9900 | €143k | €262k | €371k | €376k | €355k | ▼ 5.6% |
| Operating profit (loss)9901 | €105k | €142k | €168k | €97k | €43k | ▼ 55.9% |
| Financial income75/76B | €39 | €313 | €501 | €4k | €4k | ▼ 6.8% |
| Recurring financial income75 | €39 | €313 | €501 | €4k | €4k | ▼ 6.8% |
| Financial charges65/66B | €884 | €2k | €2k | €11k | €14k | ▲ 22.0% |
| Recurring financial charges65 | €884 | €2k | €2k | €11k | €14k | ▲ 22.0% |
| Profit (loss) for the period before taxes9903 | €104k | €140k | €167k | €90k | €33k | ▼ 63.1% |
| Income taxes67/77 | €29k | €41k | €51k | €27k | €11k | ▼ 60.3% |
| Profit (loss) for the period9904 | €75k | €100k | €116k | €64k | €23k | ▼ 64.3% |
| Profit (loss) for the period to be appropriated9905 | €75k | €100k | €116k | €64k | €23k | ▼ 64.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €363k | €691k | €833k | €1.05M | €1.26M | ▲ 20.5% |
| Fixed assets21/28 | €140k | €237k | €260k | €437k | €937k | ▲ 114% |
| Intangible fixed assets21 | €103k | €88k | €74k | €61k | €47k | ▼ 23.7% |
| Tangible fixed assets22/27 | €35k | €148k | €185k | €375k | €890k | ▲ 137% |
| Land and buildings22 | - | €67k | €63k | €291k | €810k | ▲ 178% |
| Plant, machinery and equipment23 | €6k | €5k | €1k | €4 | - | - |
| Furniture and vehicles24 | €30k | €76k | €120k | €84k | €80k | ▼ 5.5% |
| Financial fixed assets28 | €1k | €1k | €1k | - | - | - |
| Current assets29/58 | €223k | €453k | €572k | €611k | €326k | ▼ 46.7% |
| Stocks and contracts in progress3 | - | - | - | €15k | €53k | ▲ 268% |
| Contracts in progress37 | - | - | - | €15k | €53k | ▲ 268% |
| Amounts receivable within one year40/41 | €113k | €178k | €101k | €73k | €164k | ▲ 124% |
| Trade receivables40 | €106k | €169k | €90k | €61k | €129k | ▲ 112% |
| Other amounts receivable41 | €7k | €9k | €10k | €12k | €35k | ▲ 188% |
| Cash at bank and in hand54/58 | €110k | €275k | €459k | €509k | €94k | ▼ 81.4% |
| Deferred charges and accrued income490/1 | - | - | €12k | €15k | €14k | ▼ 5.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €363k | €691k | €833k | €1.05M | €1.26M | ▲ 20.5% |
| Equity10/15 | €255k | €354k | €470k | €534k | €556k | ▲ 4.2% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Reserves13 | €245k | €344k | €460k | €524k | €546k | ▲ 4.3% |
| Distributable reserves133 | €245k | €344k | €460k | €524k | €546k | ▲ 4.3% |
| Amounts payable17/49 | €109k | €336k | €362k | €514k | €706k | ▲ 37.3% |
| Amounts payable after more than one year17 | - | €233k | €231k | €416k | €460k | ▲ 10.6% |
| Financial debts170/4 | - | €233k | €231k | €416k | €460k | ▲ 10.6% |
| Amounts payable within one year42/48 | €108k | €104k | €131k | €99k | €246k | ▲ 150% |
| Current portion of amounts payable after more than one year42 | - | €10k | €16k | €19k | €44k | ▲ 137% |
| Trade debts44 | - | €9k | €18k | €24k | €97k | ▲ 306% |
| Suppliers440/4 | - | €9k | €18k | €24k | €97k | ▲ 306% |
| Advances received on contracts in progress46 | - | €300 | - | - | - | - |
| Taxes, remuneration and social security45 | €80k | €40k | €53k | €29k | €77k | ▲ 167% |
| Taxes450/3 | €78k | €33k | €17k | €2k | €31k | ▲ 1,647% |
| Remuneration and social security454/9 | €2k | €7k | €36k | €27k | €46k | ▲ 69.7% |
| Other amounts payable47/48 | €28k | €44k | €44k | €27k | €29k | ▲ 5.2% |
| Accrued charges and deferred income492/3 | €112 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €75k | €100k | €116k | €64k | €23k | ▼ 64.3% |
| + Depreciation and write-downs630 | €28k | €46k | €53k | €67k | €82k | ▲ 21.6% |
| Operating cash flow (approximation) | €103k | €145k | €170k | €131k | €104k | ▼ 20.2% |
| Investment in fixed assets (approximation) | - | €-143k | €-77k | €-244k | €-581k | ▼ 139% |
| Change in cash | - | €165k | €184k | €49k | €-414k | ▼ 940% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €23k ▼64.3%
Net result drops to €23k, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €534k ▲13.5%
5 profitable years in a row build equity to €534k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 4.37
Current ratio from 2.06 to 4.37; short-term debt falls from €108k to €104k.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Equity above €200kEq €255k ▲41.8%
2 profitable years in a row build equity to €255k.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Zwalm · 2 establishment units since 2019
Ground area
2,218 m²
Building footprint
502 m²
Volume, LiDAR
2,880 m³
2 parcels, Flanders · tallest building 13.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
stabimi
since 20192.294.535.592
Beerlegemsebaan(Beerl) 77, 9630 Zwalm
since 20262.387.973.219
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45001A0415/00D000 | Flanders | 1,256 m² | 1 · 179 m² | 9.1 m · 2 fl. |
| 45001A0309/00C003 | Flanders | 963 m² | 1 · 324 m² | 13.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 27,131 EUR awarded · 27,131 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 4,135 EUR | 4,135 EUR |
| 2024 | 1 | 10,539 EUR | 10,539 EUR |
| 2023 | 1 | 12,457 EUR | 12,457 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,385. 4,605 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
71121Engineering and related technical consultancy, excluding land surveyors
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.