Stankov · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Stankov is 1.6% (moderate). The 2025 annual accounts show equity of €6k and a net result of €33k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 41% of 152 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-03-2026, 130 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	23-03-2026	130 d early	2026-00059407
31-12-2024	31-07-2025	01-08-2025	1 d late	2025-00347956
31-12-2023	31-07-2024	30-07-2024	1 d early	2024-00301840
31-12-2022	31-07-2023	07-08-2023	7 d late	2023-00315456

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.6% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€33k

Working capital€3k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 23-03-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 42 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	33.2%	41.3%	better than 41% of 152 sector peers
Net result	€33k	€9k	better than 74% of 152 sector peers
Equity	€6k	€43k	better than 12% of 152 sector peers
Gross operating margin	€46k	€44k	better than 51% of 151 sector peers
Total assets	€19k	€125k	better than 5% of 152 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P41

Stable position over 2022-2025 · n=152-559

Net result P74

Improving position over 2022-2025 · n=152-556

Equity P12

Weakening position over 2022-2025 · n=152-559

Gross operating margin P51

Stable position over 2022-2025 · n=151-553

Describes the position versus peers, not a forecast.

EBITDA

€45k

- 22-25

Net profit

€33k

- 22-25

Cash flow

€40k

- 22-25

Total assets

€19k

-26.4% 22-25

Equity

€6k

- 22-25

Working capital

€3k

- 22-25

Staff costs

€0

-100.0% 22-25

Income taxes

€3k

+2162.5% 22-25

Show 10 other metrics

Debt

€13k

-75.8% 22-25

Debt ≤ 1y

€13k

-64.7% 22-25

Debt > 1y

€150

-99.1% 22-25

Current ratio

1.24

+169.2% 22-25

Quick ratio

1.24

+169.2% 22-25

Solvency

33.2%

- 22-25

Debt / equity

2.01

- 22-25

ROE

521.8%

+449.3% 22-25

ROA

173.1%

- 22-25

Interest coverage

30.12

- 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€45k
Net profit	€33k
Cash flow	€40k
Staff costs	-
Income taxes	€3k
Dividends	-
Total assets	€19k
Equity	€6k
Debt	€13k
of which ≤ 1y	€13k
of which > 1y	€150
Working capital	€3k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.24
Quick ratio	1.24
Working capital ratio	15.6%
Solvency	33.2%
Debt / equity	2.01
Long-term debt ratio	0.02
Interest coverage	30.12
Gross margin	-
Net margin	-
ROA	173.1%
ROE	521.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €4k · 18.3% Current assets €16k · 81.7%

Equity & liabilities

Equity €6k · 33.2% Debt €13k · 66.8%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€19k
Fixed assets	21/28	€4k
Tangible fixed assets	22/27	€4k
Current assets	29/58	€16k
Amounts receivable within one year	40/41	€9k
Cash & bank	54/58	€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€19k
Equity	10/15	€6k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€4k
Amounts payable	17/49	€13k
Amounts payable after one year	17	€150
Amounts payable within one year	42/48	€13k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€46k
Operating result	9901	€38k
Financial income	75	€204
Financial charges	65	€1k
Result before taxes	9903	€36k
Income taxes	67/77	€3k
Net result for the period	9904	€33k
Result to be appropriated	9905	€33k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

86 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

2 companies at this address See who is registered here

Establishment units

1 location

Kasteeldreef 16A, 9070 Destelbergen

Bouw van autowegen en andere wegen

since 20222.330.449.744

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area7,993 m²

Buildings2

Building footprint338 m²

Volume (LiDAR)3,241 m³

Tallest building15.7 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)