STANJO
ActiveSummary
STANJO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €187,596 and a net result of €1,562. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 72% of 122 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability70▲+50
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity ample (current ratio 8.33; short-term debt: 11.9% and cash: 70.6% of total assets), and 12.8% of the assets are financed with debt.
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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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
87.2%
Return on assets
0.7%
Age of the figures
3 mo
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 30-06-2026 was due by 31-01-2027 and was filed on 31-08-2026, 153 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
153 d early
2025
40 d early
2024
105 d early
2023
40 d early
2022
35 d early
2021
on the day
2020
31 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 58 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-06-2027 close31-01-2028 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
€187,596▲ 0.8%
2025 · €186,035
Total assets
€215,206▲ 13.8%
2025 · €189,159
Net result
€1,562▲ 10.0%
2025 · €1,420
Working capital
€188,285▲ 1.7%
2025 · €185,190
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate 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
Line20222023202420252026
Operating result-€8,057-€9,556▼ 18.6%€413-€1,600€366
Net result-€8,042within the sector's middle half-€9,626within the sector's middle half▼ 19.7%€344within the sector's middle half€1,420within the sector's middle half▲ 313%€1,562▲ 10.0%
Equity€193,897within the sector's middle half▼ 4.0%€184,271within the sector's middle half▼ 5.0%€184,615within the sector's middle half▲ 0.2%€186,035within the sector's middle half▲ 0.8%€187,596▲ 0.8%
Total assets€197,657below the sector's middle half▼ 8.6%€187,632below the sector's middle half▼ 5.1%€185,820below the sector's middle half▼ 1.0%€189,159within the sector's middle half▲ 1.8%€215,206▲ 13.8%
Debt€3,760▼ 73.6%€3,361▼ 10.6%€1,205▼ 64.1%€3,125▲ 159%€27,609▲ 784%
Working capital€183,381€182,473▼ 0.5%€185,190▲ 1.5%€188,285▲ 1.7%
Solvency98.1%above the sector's middle half▲ 4.7pp98.2%above the sector's middle half▲ 0.1pp99.4%above the sector's middle half▲ 1.1pp98.3%above the sector's middle half▼ 1.0pp87.2%▼ 11.2pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2026: €366 after a loss of €1,600 in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €215,206
Fixed assets
€1,241 ▼ 44.6%
Current assets
€213,965 ▲ 14.5%
Equity and liabilities €215,206
Equity
€187,596 ▲ 0.8%
Debt
€27,609 ▲ 784%
Debt's share of the balance-sheet total rises from 1.7% to 12.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1,366▲
2025 · -€600
Cash flow
€2,562▲
2025 · €2,420
Current ratio
8.33
Quick ratio
8.19
Debt to equity
0.15▲
2025 · 0.02
ROE
0.8%▲
2025 · 0.8%
ROA
0.7%▼
2025 · 0.8%
Interest coverage
20.46▲
2025 · -9.18
Debt ≤ 1 year
€25,680▲
2025 · €1,728
Income taxes
€156
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
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 10,905 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 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €759 | €1,000 | €1,000 | €1,000 | = |
| Other operating charges640/8 | €708 | €693 | €958 | €784 | €789 | ▲ 0.5% |
| Gross operating margin9900 | -€7,349 | -€8,104 | €2,371 | €184 | €2,154 | ▲ 1,070% |
| Operating profit (loss)9901 | -€8,057 | -€9,556 | €413 | -€1,600 | €366 | ▲ 123% |
| Financial income75/76B | €82 | - | - | €3,085 | €1,419 | ▼ 54.0% |
| Recurring financial income75 | €82 | - | - | €3,085 | €1,419 | ▼ 54.0% |
| Financial charges65/66B | €67 | €70 | €69 | €65 | €67 | ▲ 2.1% |
| Recurring financial charges65 | €67 | €70 | €69 | €65 | €67 | ▲ 2.1% |
| Profit (loss) for the period before taxes9903 | -€8,042 | -€9,626 | €344 | €1,420 | €1,718 | ▲ 21.0% |
| Income taxes67/77 | - | - | - | - | €156 | - |
| Profit (loss) for the period9904 | -€8,042 | -€9,626 | €344 | €1,420 | €1,562 | ▲ 10.0% |
| Profit (loss) for the period to be appropriated9905 | -€8,042 | -€9,626 | €344 | €1,420 | €1,562 | ▲ 10.0% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €197,657 | €187,632 | €185,820 | €189,159 | €215,206 | ▲ 13.8% |
| Fixed assets21/28 | - | €4,241 | €3,241 | €2,241 | €1,241 | ▼ 44.6% |
| Tangible fixed assets22/27 | - | €4,241 | €3,241 | €2,241 | €1,241 | ▼ 44.6% |
| Plant, machinery and equipment23 | - | €4,241 | €3,241 | €2,241 | €1,241 | ▼ 44.6% |
| Current assets29/58 | €197,657 | €183,391 | €182,580 | €186,918 | €213,965 | ▲ 14.5% |
| Stocks and contracts in progress3 | €7,589 | - | - | - | €3,733 | - |
| Contracts in progress37 | €7,589 | - | - | - | €3,733 | - |
| Amounts receivable within one year40/41 | €5,627 | €6,831 | €12,753 | €15,096 | €57,875 | ▲ 283% |
| Trade receivables40 | €713 | €824 | €5,258 | €13,957 | €56,881 | ▲ 308% |
| Other amounts receivable41 | €4,914 | €6,007 | €7,495 | €1,139 | €994 | ▼ 12.7% |
| Current investments50/53 | - | - | - | €150,000 | - | - |
| Cash at bank and in hand54/58 | €184,148 | €176,262 | €169,516 | €20,698 | €152,020 | ▲ 634% |
| Deferred charges and accrued income490/1 | €293 | €298 | €310 | €1,124 | €337 | ▼ 70.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €197,657 | €187,632 | €185,820 | €189,159 | €215,206 | ▲ 13.8% |
| Equity10/15 | €193,897 | €184,271 | €184,615 | €186,035 | €187,596 | ▲ 0.8% |
| Contributions10/11 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Reserves13 | €43,897 | €34,271 | €34,615 | €36,035 | €37,596 | ▲ 4.3% |
| Non-distributable reserves130/1 | €3,000 | €3,000 | - | - | - | - |
| Reserves not available under the articles1311 | €3,000 | €3,000 | - | - | - | - |
| Distributable reserves133 | €40,897 | €31,271 | €34,615 | €36,035 | €37,596 | ▲ 4.3% |
| Amounts payable17/49 | €3,760 | €3,361 | €1,205 | €3,125 | €27,609 | ▲ 784% |
| Amounts payable within one year42/48 | - | €9 | €107 | €1,728 | €25,680 | ▲ 1,386% |
| Trade debts44 | - | €6 | €103 | €1,298 | €15,887 | ▲ 1,124% |
| Suppliers440/4 | - | €6 | €103 | €1,298 | €15,887 | ▲ 1,124% |
| Taxes, remuneration and social security45 | - | - | - | €426 | €9,790 | ▲ 2,197% |
| Taxes450/3 | - | - | - | €426 | €9,790 | ▲ 2,197% |
| Other amounts payable47/48 | - | €4 | €4 | €4 | €4 | = |
| Accrued charges and deferred income492/3 | €3,760 | €3,351 | €1,099 | €1,397 | €1,929 | ▲ 38.1% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€8,042 | -€9,626 | €344 | €1,420 | €1,562 | ▲ 10.0% |
| + Depreciation and write-downs630 | - | €759 | €1,000 | €1,000 | €1,000 | = |
| Operating cash flow (approximation) | -€8,042 | -€8,867 | €1,344 | €2,420 | €2,562 | ▲ 5.9% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €0 | - |
| Change in cash | - | -€7,887 | -€6,746 | -€148,818 | €131,322 | ▲ 188% |
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 2027, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Back to profitnet €344
Net result €344 after 2 loss-making years.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Weakest financial yearnet -€9,626
Net result drops to -€9,626, the lowest in the series; recovery starts the following year.
2022
27-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Highest result since 2019net €31,604 ▲3,583%
Operating result €38,099, net result €31,604, both a record.
30-06
Financial
Equity above €200,000Eq €201,939 ▲18.6%
2 profitable years in a row build equity to €201,939.
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Back to profitnet €858
Net result €858 after one loss-making year.
Show earlier events
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Zoersel · 1 establishment unit since 2011
Ground area
3,772 m²
Building footprint
245 m²
Volume, LiDAR
1,860 m³
Parcel 11055A0063/00G007, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
STANJO
since 20112.201.410.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055A0063/00G007 | Flanders | 3,772 m² | 1 · 245 m² | 12.2 m · 3 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.
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ARCH HE MADE
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FRADOFLO
BE 0540.697.103
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LIMKO
BE 0428.830.367
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Of 7,326 companies in sector 68110 we hold annual accounts for 5,390. 3,860 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
Founded27-07-2011
Fiscal year end30-06
Activities, NACEBEL 2025
68110Buying and selling of own real estate
E-invoicing
Reachable via Peppol
Peppol ID
0208:0838200754
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.