STAMAM
ActiveSummary
STAMAM has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €49k. Equity is growing by ~84.4% per year across the filed fiscal years. Its solvency ranks better than 44% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▲+15
Solvency71▲+17
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 0.9 in 2024; short-term debt: 10.8% and cash: 3.4% of total assets), but 53.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
46.3%
Return on assets
21.5%
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 25-08-2026, 25 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 · 3 filingsDeviation from the deadline
2025
25 d late
2024
28 d late
2023
23 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
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€49k▲ 5.8%
2024 · €46k
2023: €7klowest in 3 years
2024: €46k▲ +550% vs 2023
2025: €49k▲ +5.8% vs 2024highest in 3 years
2023 → 2025
Working capital
€17k
2024 · €-2k
2023: €9k
2024: €-2k▼ -123% vs 2023lowest in 3 years
2025: €17k▲ +871% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€10k-€56k▲ 457%€105k▲ 86.8%
2023: €10klowest in 3 years
2024: €56k▲ +457% vs 2023
2025: €105k▲ +86.8% vs 2024highest in 3 years
Operating result€13k-€8k▼ 34.2%€20k▲ 143%
2023: €13k
2024: €8k▼ -34.2% vs 2023lowest in 3 years
2025: €20k▲ +143% vs 2024highest in 3 years
Net result€7k-€46k▲ 550%€49k▲ 5.8%
2023: €7klowest in 3 years
2024: €46k▲ +550% vs 2023
2025: €49k▲ +5.8% vs 2024highest in 3 years
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 143% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €226k
Fixed assets
€185k ▲ 4.8%
Current assets
€41k ▲ 115%
Equity and liabilities €227k
Equity
€105k ▲ 86.8%
Debt
€122k ▼ 13.2%
Debt's share of the balance-sheet total falls from 71.4% to 53.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2024 · €9k
Cash flow
€52k▲
2024 · €47k
Current ratio
1.68▲
2024 · 0.90
Debt to equity
1.16▼
2024 · 2.50
ROE
46.5%▼
2024 · 82.0%
ROA
21.5%▼
2024 · 23.5%
Interest coverage
5.19▲
2024 · 3.16
Debt ≤ 1 year
€25k▲
2024 · €21k
Debt > 1 year
€97k▼
2024 · €119k
Income taxes
€4k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€196k€227k▲
Formation expenses20€765€510▼
Fixed assets21/28€176k€185k▲
Tangible fixed assets22/27€1k€10k▲
Furniture and vehicles24€1k€10k▲
Financial fixed assets28€175k€175k=
Current assets29/58€19k€41k▲
Amounts receivable within one year40/41€4k€33k▲
Trade receivables40€4k€8k▲
Other amounts receivable41-€25k
Cash at bank and in hand54/58€16k€8k▼
Deferred charges and accrued income490/1€43€86▲
Equity and liabilities
Total equity and liabilities10/49€196k€227k▲
Equity10/15€56k€105k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€53k€102k▲
Amounts payable17/49€140k€122k▼
Amounts payable after more than one year17€119k€97k▼
Financial debts170/4€106k€90k▼
Other amounts payable178/9€13k€8k▼
Amounts payable within one year42/48€21k€25k▲
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€648€579▼
Suppliers440/4€648€579▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€752€3k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€826€3k▲
Other operating charges640/8€641€753▲
Gross operating margin9900€10k€24k▲
Operating profit (loss)9901€8k€20k▲
Financial income75/76B€43k€38k▼
Recurring financial income75€43k€38k▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€48k€53k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€46k€49k▲
Profit (loss) for the period to be appropriated9905€46k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€102k▲
Profit (loss) brought forward from the previous period14P€7k€53k▲
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €577 | €826 | €3k | ▲ 244% |
| Other operating charges640/8 | €857 | €641 | €753 | ▲ 17.4% |
| Gross operating margin9900 | €14k | €10k | €24k | ▲ 143% |
| Operating profit (loss)9901 | €13k | €8k | €20k | ▲ 143% |
| Financial income75/76B | - | €43k | €38k | ▼ 11.8% |
| Recurring financial income75 | - | €43k | €38k | ▼ 11.8% |
| Financial charges65/66B | €2k | €3k | €4k | ▲ 53.2% |
| Recurring financial charges65 | €2k | €3k | €4k | ▲ 53.2% |
| Profit (loss) for the period before taxes9903 | €10k | €48k | €53k | ▲ 11.0% |
| Income taxes67/77 | €3k | €2k | €4k | ▲ 142% |
| Profit (loss) for the period9904 | €7k | €46k | €49k | ▲ 5.8% |
| Profit (loss) for the period to be appropriated9905 | €7k | €46k | €49k | ▲ 5.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €198k | €196k | €227k | ▲ 15.4% |
| Formation expenses20 | €1k | €765 | €510 | ▼ 33.3% |
| Fixed assets21/28 | €177k | €176k | €185k | ▲ 4.8% |
| Tangible fixed assets22/27 | €2k | €1k | €10k | ▲ 605% |
| Furniture and vehicles24 | €2k | €1k | €10k | ▲ 605% |
| Financial fixed assets28 | €175k | €175k | €175k | = |
| Current assets29/58 | €20k | €19k | €41k | ▲ 115% |
| Amounts receivable within one year40/41 | €7k | €4k | €33k | ▲ 822% |
| Trade receivables40 | €7k | €4k | €8k | ▲ 133% |
| Other amounts receivable41 | - | - | €25k | - |
| Cash at bank and in hand54/58 | €13k | €16k | €8k | ▼ 49.9% |
| Deferred charges and accrued income490/1 | €43 | €43 | €86 | ▲ 102% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €198k | €196k | €227k | ▲ 15.4% |
| Equity10/15 | €10k | €56k | €105k | ▲ 86.8% |
| Contributions10/11 | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €7k | €53k | €102k | ▲ 91.7% |
| Amounts payable17/49 | €188k | €140k | €122k | ▼ 13.2% |
| Amounts payable after more than one year17 | €175k | €119k | €97k | ▼ 18.2% |
| Financial debts170/4 | - | €106k | €90k | ▼ 15.6% |
| Other amounts payable178/9 | €175k | €13k | €8k | ▼ 40.0% |
| Amounts payable within one year42/48 | €11k | €21k | €25k | ▲ 14.7% |
| Current portion of amounts payable after more than one year42 | - | €16k | €17k | ▲ 3.8% |
| Trade debts44 | €1k | €648 | €579 | ▼ 10.6% |
| Suppliers440/4 | €1k | €648 | €579 | ▼ 10.6% |
| Taxes, remuneration and social security45 | €7k | €4k | €5k | ▲ 17.0% |
| Taxes450/3 | €7k | €4k | €5k | ▲ 17.0% |
| Other amounts payable47/48 | €2k | €752 | €3k | ▲ 257% |
| Accrued charges and deferred income492/3 | €2k | €0 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €7k | €46k | €49k | ▲ 5.8% |
| + Depreciation and write-downs630 | €577 | €826 | €3k | ▲ 244% |
| Operating cash flow (approximation) | €8k | €47k | €52k | ▲ 10.0% |
| Investment in fixed assets (approximation) | - | €-255 | €-11k | ▼ 4,315% |
| Change in cash | - | €3k | €-8k | ▼ 385% |
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Highest result since 2023net €49k ▲5.8%
Operating result €20k, net result €49k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲86.8%
3 profitable years in a row build equity to €105k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Aubel · 1 establishment unit since 2023
Ground area
2,205 m²
Building footprint
74 m²
Volume, LiDAR
417 m³
Parcel 63003B0931/00N002, Wallonia · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
STAMAM
since 20232.340.648.206
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63003B0931/00N002 | Wallonia | 2,205 m² | 1 · 74 m² | 6.0 m · 2 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
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BE 0786.308.526
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VAN HERZELE T. CONSULTING
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,686 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
Founded27-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.