Financials
- Fiscal year
- 2025
- Total assets
- €172,892
- Loss
- -€24,252
- Solvency
- 96.4%
Stadsvaarders
ActiveSummary
The computed 12-month bankruptcy probability of Stadsvaarders is 2.3% (moderate). The 2025 annual accounts show equity of €166,748 and a net result of -€24,252. Its solvency ranks better than 95% of 1,562 sector peers (NACE 55, fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Guest rooms (bed and breakfast)
NACE 55204
1 site
Size
€172,892total assets 2025
- Equity
- €166,748
- Loss
- -€24,252
Turnover not published (abridged schema)
Structure
Accounts filed 61 days late0 of 1 deed read
Why 54- Founded in 2025- Latest accounts 61 days late; 1 of the last 3 late- Size: total assets €172,892+ Equity €166,748 (96.4% of total assets)Show the evidence
Checked score
Score 2025
54
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 59% of its sector peers (NACE 55, micro)
Financial strength
Average
Solvency
100
equity 96.4% of total assets
Liquidity
58
short-term debt 3.6% · cash 6.0%
Profitability
1
return on assets -14.0%
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 1.9%lowest value
04-2026: 1.9%● unchanged vs 03-2026
05-2026: 2.0%▲ +0.1 percentage points vs 04-2026
06-2026: 2.4%▲ +0.4 percentage points vs 05-2026
07-2026: 2.4%● unchanged vs 06-2026
08-2026: 2.7%▲ +0.3 percentage points vs 07-2026
09-2026: 3.0%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 2.3%▼ -0.7 percentage points vs 09-2026
Credit up to €9,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.33; short-term debt: 3.6% and cash: 6% of total assets), and 3.6% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 55, micro): better than 93% on solvency, 72% on liquidity and 11% on profitability.
The bankruptcy probability was computed on 07-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Cooperative company
- Activity
- Guest rooms (bed and breakfast)NACE 55204
- Founded
- 12-02-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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