The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
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Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
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Financial strength
Financial strength
Financial strength measures the balance sheet and the results with three figures out of 100 from the latest annual accounts: solvency, liquidity and profitability. It does not directly set the Checked score's band. How the company does against its sector peers on these and on growth does count for its place within the band.
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Score breakdown
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Comparable companies, two years later
In July 2024, 39,326 companies had the same profile as STACK'S has now. Each dot stands for 99 companies, two years later.
95.7%
were still trading
2.4%
stopped another way
1.8%
went bankrupt
Micro
2 to 5 years old
solvency 30% or more
a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
The companies in ten equal groups, from the lowest to the 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%
0.9%
6
1.3%
1.5%
7
1.6%
1.8%
8
1.8%
1.8%
9
2.9%
3.1%
10
5.6%
6.1%
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,326 companies, not a prediction for STACK'S. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit verdict
The credit verdict says how much credit you can give the company on open account. “Acceptable” means normal terms, “With conditions” means limiting the amount or the term. “Not advised” means asking for payment up front.
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Credit check for an amount and term of your choice
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1012200443
Incorporation
Founding capital of €3,000, 100 shares · Founder: Name hiddenVisible after signing in · Appointments: Hidden nameVisible after signing in (director) and Name after signing inVisible after signing in (alternate director) · published on 07-08-2024 · Gazette deed
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
These companies have the same main activity as STACK'S: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €62,200 and €71,000, founded in 2024.
STACK'S has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48,771 and a net result of €45,771.
Its solvency ranks better than 62% of 22,049 sector peers (NACE 62, financial year 2025).
micro format, filed on 29-05-2026, 63 days before the deadline
Abbreviated and micro format
Small companies may file abbreviated or micro-format accounts. They often leave out revenue and other detail. The law allows it, so it is not missing data.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €120,000. Estimated: probably between €100,000 and €150,000.
Balance sheet
balance sheet total €69,361 on 31-12-2025
What the company ownsHow it is paid for
Position in the sector
Sector peers
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
A company files its annual accounts with the National Bank no later than seven months after its financial year ends. Repeated late filing is a warning sign.
per financial year, computed from the annual accounts
Line
Trend
2025
60,398
47,496
6,122
46,808
70.3%
3.58
0.42
93.8%
66.0%
over 100
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired
Investment
Investment is what the company bought in the financial year in buildings, machinery, software and other fixed assets. Above depreciation, it is building up. Years below it, it is living off what it has.
Item
2025
Tangible fixed assets
€4,836
Intangible fixed assets
€1,286
€1,725
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on STACK'S
Debt's share of the balance-sheet total is 29.7%.
Board & ownership
Board
Directors
Many board changes in a short time are a reason to keep a close eye on the company.
2 directors, since incorporation
Name hiddenVisible after signing in
Director (not named in the articles)
appointed by deed of 07-08-2024term without a fixed end
Each bar is one period in a role, from appointment to resignation or to today. An open left edge means the mandate began before its first mention. An open right edge means the mandate ended without a stated end date.
2 names, the dashed line is today
20242025202620272028
Name after signing inVisible after signing in Director (not named in the articles)
Name hiddenVisible after signing in Alternate director
Board
Mandates as a list
Hidden nameVisible after signing in
Director (not named in the articles), appointed by deed of 07-08-2024, still in office
Name after signing inVisible after signing in
Alternate director, appointed by deed of 07-08-2024, still in office
Name hiddenVisible after signing in100 shares (100%) · €3,000 in cash
Network & group
No group
STACK'S has no parent and no holdings in its annual accounts. STACK'S shares no director with another company.
Timeline
Timeline
4 events since 2024
Filings
Establishments
202420252026
2026
Annual accounts 2025 filedNBB ↗micro format · 63 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1012200443
2024
IncorporationFounding capital of €3,000, 100 shares · Founder: Name hiddenVisible after signing in · Appointments: Hidden nameVisible after signing in (director) and Name after signing inVisible after signing in (alternate director) · published on 07-08-20247 points ▸
Founding capital, €3,000, 100 shares
Name hiddenVisible after signing in holds 100 shares
100 shares
Registered office clause, rue du Chêne, numéro 58, 6530 Thuin
Director appointment, Hidden nameVisible after signing in (director (not named in the articles))
Director appointment, Name after signing inVisible after signing in (alternate director)
63110Computing infrastructure, data processing, hosting and other information service activities
70220Business consulting
74109Other professional, scientific and technical activities
82990Other business support services
PurposeThe purpose describes the activities the company may carry out under its articles.
“Le conseil en informatique,le traitement de données ou d'informations et activités similaires ou connexes impliquant toute études ou…”
19 activities
Le conseil en informatique,le traitement de données ou d'informations et activités similaires ou connexes impliquant toute études ou réalisations nécessaires pour le traitement de l'information et ce qui en découle ou le suppose ;
La consultance informatique sous toutes ses formes
L'audit et la maintenance de parcs informatiques
Le conseil et l'assistance au service de gestion,administration,stratégie,et direction d i entreprises
La conception,la réalisation,la diffusion,la commercialisation,la maintenance,de logiciels et autres produits-programmes ;
La concession de licences d'utilisation de logiciels et autres produits-programmes développés et/ou acquis en tout ou partie ;
Toutes opérations commerciales,de négoce de matériel,d'équipements et de logiciels et de produits-programmes se rapportant à l'objet ;
La formation aux produits-programmes utilisés,développés ou vendus.
Commerce de détail d'ordinateurs,d'unités périphériques et de logiciels en magasin spécialisé (code Nacebel 47410)
Commerce de détail de matériels de télécommunication en magasin spécialisé (code Nacebel 47420)
Commerce de détail de matériels audio-vidéo en magasin spécialisé (code Nacebel 47430)
Commerce de détail d'enregistrements musicaux et vidéo en magasin spécialisé (code Nacebel 47630)
Autres activités informatiques (code Nacebel 62090)
Réparation d'ordinateurs et d'équipements périphériques (Code Nacebel 95110)
Toute opération d'achat,de vente en ligne ou non et de location de matériel informatique (hardware: et software),de matériel et de mobilier de bureau et en général de tout matériel pouvant servir directement ou indirectement à son objet.
La création,le développement,la distribution,l’installation,la mise en service des supports informatiques aussi bien en matière de software que de hardware et la centralisation des données gestion des réseaux et des ordinateurs,étude et développement de logiciels,la création,le développement,l'installation et la mise en œuvre de réseaux internationaux ;
Le développement,la coordination et la supervision du traitement des données,des programmes : ainsi que du choix des matériels et logiciels informatiques,
L'achat,l'exploitation,la location,la cession de tout brevet,licence,intervention ou marque de fabrique ainsi que de tous droits intellectuels en ce compris les droits d'auteurs se rattachant directement ou indirectement à l'objet de la société ;
Toute activité en rapport avec le service internet,extranet,intranet,ainsi que tous services en matière de télécommunication,informatique,publicité,présent ou futur ;