Equity
-€131,610
Debts exceed assets in financial year 2025.
STALON
Lifetime
19 annual accounts with figures on one time axispeak €103,741 (2019)
-€65,955▼ €4,367
lowest -€75,501 (2025)
-€75,501▼ €6,012
peak €15,310 (2022)
-€131,610▼ €75,501
€347,820▲ 52.1%
peak 2 FTE (2019)
-not published
Board2 names since 2005
1 directorSTALON Vincent Réginald Michel
Documentsfilings and deeds
05-06-202656 days before the deadline
2025micro format
Loss of €75,501Resignation: Christelle VINCKE (director) 08-08Equity from -€56,108 to -€131,610Debts from €228,670 to €347,820Cash from €6,013 to €0
Key points
from the 2025 annual accountsLosses
-€146,919 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€347,820 161% of the balance sheet
Financial debts 5%Suppliers 0%Taxes and wages 0%Other 95%
Of this, €64,038 falls due within a year.
Liquidity
3.04 was 4.61 in 2024
Short-term debts rose from €31,360 to €64,038.
Filings
19 annual accounts since 2007
The last five annual accounts were filed 38 to 62 days before the end of the period.
Position in the sector
-60.9%
Lower solvency than 95% of companies in construction of buildings. Sector median 42.9% · 9,462 companies.
Turnover not published (micro format)
Checked score
48
Fair
Financially stronger than 11% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 0.9%● unchanged vs 02-2025
04-2025: 0.9%● unchanged vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025lowest value
07-2025: 2.4%▲ +1.5 percentage points vs 06-2025
08-2025: 2.4%● unchanged vs 07-2025
09-2025: 2.4%● unchanged vs 08-2025
10-2025: 2.4%● unchanged vs 09-2025
11-2025: 2.4%● unchanged vs 10-2025
12-2025: 2.4%● unchanged vs 11-2025
01-2026: 2.4%● unchanged vs 12-2025
02-2026: 2.4%● unchanged vs 01-2026
03-2026: 2.3%▼ -0.1 percentage points vs 02-2026
04-2026: 2.3%● unchanged vs 03-2026
05-2026: 2.2%▼ -0.1 percentage points vs 04-2026
06-2026: 2.2%● unchanged vs 05-2026
07-2026: 3.2%▲ +1.0 percentage point vs 06-2026highest value
08-2026: 3.2%● unchanged vs 07-2026highest value
09-2026: 3.2%● unchanged vs 08-2026highest value
10-2026: 3.2%● unchanged vs 09-2026highest value
11-2026: 3.2%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Negative equity -€131,610
Loss of €75,501, the second in a row (financial year 2025)
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Size: total assets €216,211
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 41, micro). It does better than 3% of them on solvency, 34% on liquidity, 5% on profitability and 4% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as STALON has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STALON itself: 3.2% within 12 months.
Test of the method
The method was tested on the 497,447 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.
| 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 6,619 companies, not a prediction for STALON. 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
No credit on open account
Liquidity is ample, with a current ratio of 3.04 (4.61 in 2024), above the usual 1.5. Short-term debt is 29.6% and cash 0% of total assets. However, equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€131,610
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 days early
2024
50 days early
2023
58 days early
2022
38 days early
2021
62 days early
2020
25 days early
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 46 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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 5 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Resignation: Christelle VINCKE (director)
Director discharge: Christelle VINCKE · General meeting of 22-07-2025 · Gazette deed
Appointments: STALON Vincent Réginald Michel (director) and VINCKE Christelle Angèle Sophie (director)
Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 21-12-2023 · Gazette deed
First establishment
Rue du Longfaux 11, Binche
Incorporation
published on 10-08-2005 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STALON Binche | €216,211 | -€65,955 | -60.9% | - |
| UN HABITAT POUR DEMAIN Colfontaine | €238,603 | -€15,779 | -78.6% | - |
| Immobilière des Châtaigniers Braine-le-Comte | €233,738 | -€1,713 | 28.0% | - |
| IMMOBILIERE RESIDENCE DU PARC Couvin | €207,482 | -€2,551 | 99.7% | - |
| Pikobelloo Bertem | €210,883 | -€2,450 | 5.5% | - |
| ALGEMENE BOUWONDERNEMING VANHOVE Dilbeek | €199,635 | -€4,137 | 96.9% | - |
| P.H.P. Welkenraedt | €216,499 | -€15,315 | -18.1% | - |
These companies have the same main activity as STALON: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €200,000 and €239,000, founded between 2003 and 2007.
Official details
Source: KBO- Status
- Active since 03-08-2005Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Joint committee
- 124Construction · annual accounts 2021
- Establishment unit
- 2.148.328.5817133 Binche, since 08-08-2005
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €216,211▲ 25.3%
- Filing
- Filed on 05-06-2026, 56 days before the end of the filing period
Insights on STALON
STALON files the micro format. That format states no turnover. The gross margin fell from -€531 in 2007 to -€65,955 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STALON
- What is the company number of STALON?
- The company number of STALON is 0875.405.796. The VAT number is the same number with BE in front: BE 0875.405.796.
- Where is STALON based?
- The registered office is at Rue du Longfaux 11, 7133 Binche.Company details
- What does STALON do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of STALON?
- STALON is a private limited company (BV).
- When was STALON founded?
- STALON was founded on 03-08-2005.
- Is STALON still active?
- Yes, STALON is an active enterprise in the KBO register.
- How many employees does STALON have?
- STALON had an average of 1.2 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
- Which joint committee does STALON fall under?
- In its 2021 annual accounts, STALON states joint committee 124 (Construction).
- What is the turnover of STALON?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it. In financial year 2020 turnover was €265,000.
- Is STALON profitable?
- In financial year 2025, STALON made a loss of €75,501.
- Where can I find the annual accounts of STALON?
- STALON filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STALON due?
- STALON must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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