STAND44
ActiveSummary
The computed 12-month bankruptcy probability of STAND44 is 1.5% (moderate). The 2025 annual accounts show negative equity (-€6,303) and a net result of €2,680. Its solvency ranks better than 14% of 2591 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability76▲+76
Solvency11▲+11
Growth78
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 1.53 against 0.43 in 2024; short-term debt: 47.2% and cash: 27.3% of total assets), but equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-14%
Return on assets
6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 2591 sector peers (2025).
NBB · sector comparisonPosition among 2591 sector peers
Solvency
better than 14%
← weakest
strongest →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
21 d early
2024
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 20 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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
-€6,303▲ 29.8%
2024 · -€8,983
Total assets
€44,899▲ 25.2%
2024 · €35,875
Net result
€2,680
2024 · -€13,983
Working capital
€11,335
2024 · -€25,689
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result-€13,829-€2,769
Net result-€13,983-€2,680
Equity-€8,983--€6,303▲ 29.8%
Total assets€35,875-€44,899▲ 25.2%
Debt€44,858-€51,202▲ 14.1%
Working capital-€25,689-€11,335
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2,769 after a loss of €13,829 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44,899
Fixed assets
€12,362 ▼ 26.0%
Current assets
€32,537 ▲ 69.7%
Key figures and ratios
EBITDA
€8,269▲
2024 · -€8,723
Cash flow
€8,180▲
2024 · -€8,876
Solvency
-14.0%▲
2024 · -25.0%
Current ratio
1.53▲
2024 · 0.43
Quick ratio
0.66▲
2024 · 0.43
Debt to equity
-8.12▼
2024 · -4.99
ROA
6.0%▲
2024 · -39.0%
Interest coverage
92.97▲
2024 · -56.80
Debt ≤ 1 year
€21,202▼
2024 · €44,858
Debt > 1 year
€30,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,022 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 89% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a profit of 5% of the balance sheet or more
5.8%
went bankrupt
4.1%
stopped otherwise
89%
still going
A further 1.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% 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 497,058 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 1,022 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 | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,106 | €5,501 | ▲ 7.7% |
| Other operating charges640/8 | €1,353 | €1,635 | ▲ 20.8% |
| Gross operating margin9900 | -€7,369 | €9,904 | ▲ 234% |
| Operating profit (loss)9901 | -€13,829 | €2,769 | ▲ 120% |
| Financial income75/76B | €0 | €0 | = |
| Recurring financial income75 | €0 | €0 | = |
| Financial charges65/66B | €154 | €89 | ▼ 42.1% |
| Recurring financial charges65 | €154 | €89 | ▼ 42.1% |
| Profit (loss) for the period before taxes9903 | -€13,983 | €2,680 | ▲ 119% |
| Profit (loss) for the period9904 | -€13,983 | €2,680 | ▲ 119% |
| Profit (loss) for the period to be appropriated9905 | -€13,983 | €2,680 | ▲ 119% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €35,875 | €44,899 | ▲ 25.2% |
| Fixed assets21/28 | €16,706 | €12,362 | ▼ 26.0% |
| Intangible fixed assets21 | €1,374 | €1,031 | ▼ 25.0% |
| Tangible fixed assets22/27 | €15,332 | €11,331 | ▼ 26.1% |
| Plant, machinery and equipment23 | €9,531 | €7,203 | ▼ 24.4% |
| Furniture and vehicles24 | €5,801 | €4,128 | ▼ 28.8% |
| Current assets29/58 | €19,169 | €32,537 | ▲ 69.7% |
| Stocks and contracts in progress3 | - | €18,500 | - |
| Stocks30/36 | - | €18,500 | - |
| Amounts receivable within one year40/41 | €2,766 | €1,800 | ▼ 34.9% |
| Trade receivables40 | €2,766 | €1,800 | ▼ 34.9% |
| Cash at bank and in hand54/58 | €15,963 | €12,237 | ▼ 23.3% |
| Deferred charges and accrued income490/1 | €440 | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €35,875 | €44,899 | ▲ 25.2% |
| Equity10/15 | -€8,983 | -€6,303 | ▲ 29.8% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€13,983 | -€11,303 | ▲ 19.2% |
| Amounts payable17/49 | €44,858 | €51,202 | ▲ 14.1% |
| Amounts payable after more than one year17 | - | €30,000 | - |
| Other amounts payable178/9 | - | €30,000 | - |
| Amounts payable within one year42/48 | €44,858 | €21,202 | ▼ 52.7% |
| Financial debts43 | - | €11,460 | - |
| Other loans439 | - | €11,460 | - |
| Trade debts44 | €1,112 | €2,290 | ▲ 106% |
| Suppliers440/4 | €1,112 | €2,290 | ▲ 106% |
| Taxes, remuneration and social security45 | €1,489 | €4,010 | ▲ 169% |
| Taxes450/3 | €1,489 | €4,010 | ▲ 169% |
| Other amounts payable47/48 | €42,257 | €3,442 | ▼ 91.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€13,983 | €2,680 | ▲ 119% |
| + Depreciation and write-downs630 | €5,106 | €5,501 | ▲ 7.7% |
| Operating cash flow (approximation) | -€8,876 | €8,180 | ▲ 192% |
| Investment in fixed assets (approximation) | - | -€1,156 | - |
| Change in cash | - | -€3,726 | - |
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €2,680
Net result €2,680 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.53
Current ratio from 0.43 to 1.53; short-term debt falls from €44,858 to €21,202.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 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, Wemmel · 1 establishment unit since 2023
Ground area
4.0 ha
Building footprint
4.6 ha
Volume, LiDAR
491,511 m³
2 parcels, Flanders, Wallonia · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
471
companies at this address
See who is registered here
1 establishment unit
STAND44
since 20232.350.544.679
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53030D0160/00N000 | Wallonia | 4.0 ha | 1 · 4.5 ha | 15.1 m · 4 fl. |
| 22662B0387/00R004 | Flanders | 147 m² | 1 · 144 m² | 14.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 7,378 companies in sector 95311 we hold annual accounts for 2,961. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47300Retail sale of automotive fuel
95316Washing and cleaning of motor vehicles
46711Wholesale of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0805197889
Also
9925:BE0805197889
Registered
20-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.