STAM SECURITY
ActiveSummary
STAM SECURITY has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57,431 and a net result of -€58. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40▼-32
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 73.48 against 46.2 in 2024; short-term debt: 1.3% and cash: 72.1% of total assets), and 1.3% 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 · 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
100 d early
2023
40 d early
2022
31 d early
2021
5 d early
2020
22 d early
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 38 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€57,431▼ 0.1%
2024 · €57,489
Total assets
€58,195▼ 0.9%
2024 · €58,744
Net result
-€58
2024 · €1,485
Working capital
€55,349▼ 2.4%
2024 · €56,730
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,754▼ 41.8%€2,657▼ 75.3%€1,182▼ 55.5%€1,836▲ 55.4%-€81
Net result€8,745within the sector's middle half▼ 47.6%€1,896within the sector's middle half▼ 78.3%€1,070within the sector's middle half▼ 43.6%€1,485within the sector's middle half▲ 38.9%-€58within the sector's middle half
Equity€53,038within the sector's middle half▲ 19.7%€54,934within the sector's middle half▲ 3.6%€56,003within the sector's middle half▲ 1.9%€57,489within the sector's middle half▲ 2.7%€57,431within the sector's middle half▼ 0.1%
Total assets€56,082below the sector's middle half▲ 18.4%€58,573below the sector's middle half▲ 4.4%€58,415within the sector's middle half▼ 0.3%€58,744within the sector's middle half▲ 0.6%€58,195within the sector's middle half▼ 0.9%
Debt€3,044▼ 0.9%€3,639▲ 19.5%€2,412▼ 33.7%€1,255▼ 48.0%€764▼ 39.2%
Working capital€53,051▲ 19.8%€54,021▲ 1.8%€55,411▲ 2.6%€56,730▲ 2.4%€55,349▼ 2.4%
Solvency94.6%above the sector's middle half▲ 1.1pp93.8%above the sector's middle half▼ 0.8pp95.9%above the sector's middle half▲ 2.1pp97.9%above the sector's middle half▲ 2.0pp98.7%above the sector's middle half▲ 0.8pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €81 after €1,836 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58,195
Fixed assets
€2,082 ▲ 174%
Current assets
€56,113 ▼ 3.2%
Equity and liabilities €58,195
Equity
€57,431 ▼ 0.1%
Debt
€764 ▼ 39.2%
Debt's share of the balance-sheet total falls from 2.1% to 1.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€431▼
2024 · €2,352
Cash flow
€454▼
2024 · €2,001
Current ratio
73.48▲
2024 · 46.20
Debt to equity
0.01▼
2024 · 0.02
ROE
-0.1%▼
2024 · 2.6%
ROA
-0.1%▼
2024 · 2.5%
Interest coverage
2.53▼
2024 · 16.75
Debt ≤ 1 year
€764▼
2024 · €1,255
Income taxes
€85▼
2024 · €548
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,304 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 12,304 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €38 | €321 | €515 | €512 | ▼ 0.7% |
| Other operating charges640/8 | €787 | €794 | €870 | €899 | €1,278 | ▲ 42.2% |
| Gross operating margin9900 | €11,541 | €3,488 | €2,373 | €3,250 | €1,709 | ▼ 47.4% |
| Operating profit (loss)9901 | €10,754 | €2,657 | €1,182 | €1,836 | -€81 | ▼ 104% |
| Financial income75/76B | €0 | - | €78 | €338 | €278 | ▼ 17.6% |
| Recurring financial income75 | €0 | - | €78 | €338 | €278 | ▼ 17.6% |
| Financial charges65/66B | €142 | €154 | €153 | €140 | €170 | ▲ 21.3% |
| Recurring financial charges65 | €142 | €154 | €153 | €140 | €170 | ▲ 21.3% |
| Profit (loss) for the period before taxes9903 | €10,613 | €2,503 | €1,106 | €2,034 | €27 | ▼ 98.7% |
| Income taxes67/77 | €1,868 | €607 | €37 | €548 | €85 | ▼ 84.5% |
| Profit (loss) for the period9904 | €8,745 | €1,896 | €1,070 | €1,485 | -€58 | ▼ 104% |
| Profit (loss) for the period to be appropriated9905 | €8,745 | €1,896 | €1,070 | €1,485 | -€58 | ▼ 104% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €56,082 | €58,573 | €58,415 | €58,744 | €58,195 | ▼ 0.9% |
| Fixed assets21/28 | €0 | €926 | €605 | €759 | €2,082 | ▲ 174% |
| Tangible fixed assets22/27 | €0 | €926 | €605 | €759 | €2,082 | ▲ 174% |
| Plant, machinery and equipment23 | €0 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €0 | €926 | €605 | €759 | €2,082 | ▲ 174% |
| Current assets29/58 | €56,082 | €57,647 | €57,810 | €57,985 | €56,113 | ▼ 3.2% |
| Stocks and contracts in progress3 | €16 | €16 | - | - | - | - |
| Stocks30/36 | €16 | €16 | - | - | - | - |
| Amounts receivable within one year40/41 | €12,990 | €4,157 | €10,344 | €9,050 | €13,747 | ▲ 51.9% |
| Trade receivables40 | €12,990 | €4,157 | €10,344 | €2,862 | €9,635 | ▲ 237% |
| Other amounts receivable41 | - | - | - | €6,188 | €4,111 | ▼ 33.6% |
| Cash at bank and in hand54/58 | €42,748 | €52,950 | €47,176 | €48,404 | €41,972 | ▼ 13.3% |
| Deferred charges and accrued income490/1 | €329 | €524 | €291 | €531 | €394 | ▼ 25.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €56,082 | €58,573 | €58,415 | €58,744 | €58,195 | ▼ 0.9% |
| Equity10/15 | €53,038 | €54,934 | €56,003 | €57,489 | €57,431 | ▼ 0.1% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | -€15,162 | -€13,266 | -€12,197 | -€10,711 | -€10,769 | ▼ 0.5% |
| Amounts payable17/49 | €3,044 | €3,639 | €2,412 | €1,255 | €764 | ▼ 39.2% |
| Amounts payable within one year42/48 | €3,031 | €3,626 | €2,399 | €1,255 | €764 | ▼ 39.2% |
| Trade debts44 | €405 | €457 | €512 | €366 | - | - |
| Suppliers440/4 | €405 | €457 | €512 | €366 | - | - |
| Taxes, remuneration and social security45 | €2,626 | €3,169 | €1,887 | €889 | €764 | ▼ 14.1% |
| Taxes450/3 | €2,626 | €3,169 | €1,887 | €889 | €764 | ▼ 14.1% |
| Accrued charges and deferred income492/3 | €13 | €13 | €13 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,745 | €1,896 | €1,070 | €1,485 | -€58 | ▼ 104% |
| + Depreciation and write-downs630 | - | €38 | €321 | €515 | €512 | ▼ 0.7% |
| Operating cash flow (approximation) | €8,745 | €1,934 | €1,390 | €2,001 | €454 | ▼ 77.3% |
| Investment in fixed assets (approximation) | - | -€964 | €0 | -€669 | -€1,835 | ▼ 174% |
| Change in cash | - | €10,202 | -€5,774 | €1,228 | -€6,431 | ▼ 624% |
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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€58
Net result drops to -€58, the lowest in the series.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €16,680 ▲345%
Operating result €18,467, net result €16,680, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 49.43
Current ratio from 18.49 to 49.43; short-term debt falls from €1,365 to €573.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Sint-Agatha-Berchem · 1 establishment unit since 2003
Ground area
4,421 m²
Building footprint
282 m²
Volume, LiDAR
4,133 m³
Parcel 21003A0260/00D002, Brussels · tallest building 15.8 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
STAM SECURITY
since 20032.123.469.758
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0260/00D002 | Brussels | 4,421 m² | 1 · 282 m² | 15.8 m · 5 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, comparable size
Ets BARVAUX E.
BE 1013.931.793
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BELGIUM AUTOS PARTS
BE 0567.982.807
Brussel · Eq €57,093
PAT
BE 0476.958.007
Nivelles · Eq €57,848
YW TRADING
BE 0472.096.228
Oudsbergen · Eq €56,910
Britti
BE 0671.664.028
Antwerpen · Eq €58,028
Of 2,445 companies in sector 47820 we hold annual accounts for 780. 576 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded11-02-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47820Retail sale of motor vehicle parts and accessories
43211General electrical installation work
46190Agents in non-specialised wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479522270
Registered
20-11-2020
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.