Stamiro
ActiveSummary
Stamiro has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195,469 and a net result of €54,362. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 90% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 7.83 against 2.99 in 2024; short-term debt: 9.2% and cash: 33.4% of total assets), and 9.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% 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
90.8%
Return on assets
25.2%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-02-2026, 24 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 · 5 filingsDeviation from the deadline
2025
24 d late
2024
28 d late
2023
14 d late
2022
22 d late
2021
8 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 19 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€195,469▲ 38.5%
2024 · €141,107
Total assets
€215,373▲ 21.9%
2024 · €176,642
Net result
€54,362▲ 10.6%
2024 · €49,143
Working capital
€136,002▲ 92.0%
2024 · €70,841
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, 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€90,151-€63,821▼ 29.2%€48,083▼ 24.7%€67,717▲ 40.8%€72,969▲ 7.8%
Net result€67,228above the sector's middle half-€49,343within the sector's middle half▼ 26.6%€34,987within the sector's middle half▼ 29.1%€49,143within the sector's middle half▲ 40.5%€54,362within the sector's middle half▲ 10.6%
Equity€66,528within the sector's middle half-€114,271within the sector's middle half▲ 71.8%€147,658within the sector's middle half▲ 29.2%€141,107within the sector's middle half▼ 4.4%€195,469within the sector's middle half▲ 38.5%
Total assets€104,674within the sector's middle half-€159,416within the sector's middle half▲ 52.3%€179,512within the sector's middle half▲ 12.6%€176,642within the sector's middle half▼ 1.6%€215,373within the sector's middle half▲ 21.9%
Debt€38,146-€45,145▲ 18.3%€31,854▼ 29.4%€35,535▲ 11.6%€19,904▼ 44.0%
Working capital€40,902within the sector's middle half-€42,702within the sector's middle half▲ 4.4%€64,869within the sector's middle half▲ 51.9%€70,841within the sector's middle half▲ 9.2%€136,002within the sector's middle half▲ 92.0%
Solvency63.6%within the sector's middle half-71.7%within the sector's middle half▲ 8.1pp82.3%above the sector's middle half▲ 10.6pp79.9%above the sector's middle half▼ 2.4pp90.8%above the sector's middle half▲ 10.9pp
Current ratio2.74within the sector's middle half-2.10within the sector's middle half▼ 0.643.14within the sector's middle half▲ 1.042.99within the sector's middle half▼ 0.147.83above the sector's middle half▲ 4.84
Return on assets (ROA)64.2%above the sector's middle half-31.0%above the sector's middle half▼ 33.3pp19.5%within the sector's middle half▼ 11.5pp27.8%within the sector's middle half▲ 8.3pp25.2%within the sector's middle half▼ 2.6pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, 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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €215,373
Fixed assets
€59,468 ▼ 15.4%
Current assets
€155,906 ▲ 46.6%
Equity and liabilities €215,373
Equity
€195,469 ▲ 38.5%
Debt
€19,904 ▼ 44.0%
Debt's share of the balance-sheet total falls from 20.1% to 9.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89,267▲
2024 · €84,142
Cash flow
€70,660▲
2024 · €65,568
Debt to equity
0.10▼
2024 · 0.25
ROE
27.8%▼
2024 · 34.8%
Interest coverage
597.10▲
2024 · 143.55
Debt ≤ 1 year
€19,904▼
2024 · €35,535
Income taxes
€18,595▲
2024 · €17,994
Staff costs
€32,238▲
2024 · €31,067
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% | 1.7% |
| 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 75% 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 26,970 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €15,095 | €33,654 | €31,067 | €32,238 | ▲ 3.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,222 | €8,916 | €15,683 | €16,425 | €16,298 | ▼ 0.8% |
| Other operating charges640/8 | - | €698 | €732 | €935 | €1,074 | ▲ 14.9% |
| Gross operating margin9900 | €94,237 | €88,530 | €98,151 | €116,144 | €122,579 | ▲ 5.5% |
| Operating profit (loss)9901 | €90,151 | €63,821 | €48,083 | €67,717 | €72,969 | ▲ 7.8% |
| Financial income75/76B | - | €33 | €39 | €6 | €138 | ▲ 2,170% |
| Recurring financial income75 | €1 | €33 | €39 | €6 | €138 | ▲ 2,170% |
| Financial charges65/66B | - | €749 | €1,139 | €586 | €150 | ▼ 74.5% |
| Recurring financial charges65 | €282 | €749 | €1,139 | €586 | €150 | ▼ 74.5% |
| Profit (loss) for the period before taxes9903 | €89,870 | €63,106 | €46,983 | €67,137 | €72,957 | ▲ 8.7% |
| Income taxes67/77 | €22,642 | €13,762 | €11,996 | €17,994 | €18,595 | ▲ 3.3% |
| Profit (loss) for the period9904 | €67,228 | €49,343 | €34,987 | €49,143 | €54,362 | ▲ 10.6% |
| Profit (loss) for the period to be appropriated9905 | €67,228 | €49,343 | €34,987 | €49,143 | €54,362 | ▲ 10.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €104,674 | €159,416 | €179,512 | €176,642 | €215,373 | ▲ 21.9% |
| Fixed assets21/28 | €40,280 | €77,873 | €84,303 | €70,266 | €59,468 | ▼ 15.4% |
| Intangible fixed assets21 | €625 | €208 | €0 | - | - | - |
| Tangible fixed assets22/27 | €39,655 | €77,665 | €84,303 | €70,266 | €59,468 | ▼ 15.4% |
| Furniture and vehicles24 | - | €30,857 | €21,968 | €13,079 | €4,810 | ▼ 63.2% |
| Other tangible fixed assets26 | - | €46,808 | €62,335 | €57,187 | €54,658 | ▼ 4.4% |
| Current assets29/58 | €64,394 | €81,543 | €95,209 | €106,377 | €155,906 | ▲ 46.6% |
| Amounts receivable within one year40/41 | €35,962 | €57,224 | €72,179 | €63,284 | €80,692 | ▲ 27.5% |
| Trade receivables40 | - | €27,224 | €30,474 | €33,284 | €36,013 | ▲ 8.2% |
| Other amounts receivable41 | - | €30,000 | €41,705 | €30,000 | €44,679 | ▲ 48.9% |
| Cash at bank and in hand54/58 | €27,434 | €21,543 | €19,953 | €40,171 | €71,975 | ▲ 79.2% |
| Deferred charges and accrued income490/1 | - | €2,775 | €3,077 | €2,922 | €3,239 | ▲ 10.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €104,674 | €159,416 | €179,512 | €176,642 | €215,373 | ▲ 21.9% |
| Equity10/15 | €66,528 | €114,271 | €147,658 | €141,107 | €195,469 | ▲ 38.5% |
| Contributions10/11 | - | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Reserves13 | €64,028 | €111,771 | €145,158 | €138,607 | €192,969 | ▲ 39.2% |
| Distributable reserves133 | - | €111,771 | €145,158 | €138,607 | €192,969 | ▲ 39.2% |
| Amounts payable17/49 | €38,146 | €45,145 | €31,854 | €35,535 | €19,904 | ▼ 44.0% |
| Amounts payable after more than one year17 | €14,654 | €6,305 | €1,514 | - | - | - |
| Financial debts170/4 | - | €6,305 | €1,514 | - | - | - |
| Amounts payable within one year42/48 | €23,492 | €38,841 | €30,340 | €35,535 | €19,904 | ▼ 44.0% |
| Current portion of amounts payable after more than one year42 | - | €8,349 | €12,196 | €1,514 | - | - |
| Trade debts44 | €3,161 | €11,996 | €140 | €3,925 | €2,615 | ▼ 33.4% |
| Suppliers440/4 | - | €11,996 | €140 | €3,925 | €2,615 | ▼ 33.4% |
| Taxes, remuneration and social security45 | - | €13,368 | €16,404 | €18,685 | €17,289 | ▼ 7.5% |
| Taxes450/3 | - | €10,512 | €10,973 | €13,747 | €10,242 | ▼ 25.5% |
| Remuneration and social security454/9 | - | €2,855 | €5,431 | €4,938 | €7,046 | ▲ 42.7% |
| Other amounts payable47/48 | - | €5,128 | €1,600 | €11,411 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €67,228 | €49,343 | €34,987 | €49,143 | €54,362 | ▲ 10.6% |
| + Depreciation and write-downs630 | €3,222 | €8,916 | €15,683 | €16,425 | €16,298 | ▼ 0.8% |
| Operating cash flow (approximation) | €70,449 | €58,260 | €50,670 | €65,568 | €70,660 | ▲ 7.8% |
| Investment in fixed assets (approximation) | - | -€46,510 | -€22,113 | -€2,387 | -€5,500 | ▼ 130% |
| Change in cash | - | -€5,890 | -€1,590 | €20,218 | €31,804 | ▲ 57.3% |
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
10-09
State Gazette act
General meeting · Name change
Name clause · Purpose change
12-08
State Gazette act
Founder · Incorporation
Bank account · Registered office clause
24-07
State Gazette act
Board meeting · Registered-office move
Power of attorney
15-07
State Gazette act
Founder · Declaration
Name clause · Legal form clause
13-07
State Gazette act
Board meeting · Registered-office move
Power of attorney · Other statement
23-03
State Gazette act
Incorporation · Founder
Founding capital · Director appointment
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
30-06
Financial
Liquidity triplescurrent ratio 7.83
Current ratio from 2.99 to 7.83; short-term debt falls from €35,535 to €19,904.
30-06
Financial
Equity above €150,000Eq €195,469 ▲38.5%
5 profitable years in a row build equity to €195,469.
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
14-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
30-06
Financial
Weakest financial yearnet €34,987 ▼29.1%
Net result drops to €34,987, the lowest in the series; recovery starts the following year.
Show earlier events
22-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
30-06
Financial
Equity above €100,000Eq €114,271 ▲71.8%
2 profitable years in a row build equity to €114,271.
08-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
Financial milestoneState Gazette actNBB 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, Tielt · 1 establishment unit since 2020
Ground area
686 m²
Building footprint
156 m²
Volume, LiDAR
894 m³
Parcel 37302E0505/00K000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kantoor Verkest
since 20202.297.955.635
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37302E0505/00K000 | Flanders | 686 m² | 1 · 156 m² | 9.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 654 EUR awarded · 654 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 150 EUR | 150 EUR |
| 2024 | 1 | 126 EUR | 126 EUR |
| 2022 | 1 | 378 EUR | 378 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,395 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
Founded10-01-2020
Fiscal year end30-06
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0741412471
Also
9925:BE0741412471
Registered
30-10-2023
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.