STAVOMA
ActiveSTAVOMA has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €389k and a net result of €-33k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 95% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-17
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 20.66 against 40.28 in 2024; short-term debt: 4.8% and cash: 17.1% of total assets), and 4.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2025Solvency, return and age of the figures
Solvency
95.2%
Return on assets
-8.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-33k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
1 d early
2023
1 d early
2022
25 d late
2021
25 d late
2020
30 d late
2019
89 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€389k▼ 7.8%
2024 · €422k
2018: €467k
2019: €456k
2020: €427k
2021: €428k
2022: €427k
2023: €427k
2024: €422k
2018 → 2025
Total assets
€408k▼ 5.6%
2024 · €433k
2018: €481k
2019: €477k
2020: €445k
2021: €448k
2022: €447k
2023: €437k
2024: €433k
2018 → 2025
Net result
€-33k▼ 479%
2024 · €-6k
2018: €-31k
2019: €-11k
2020: €-30k
2021: €1k
2022: €-818
2023: €179
2024: €-6k
2018 → 2025
Working capital
€389k▼ 7.9%
2024 · €422k
2018: €467k
2019: €455k
2020: €426k
2021: €428k
2022: €427k
2023: €427k
2024: €422k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€428k-€427k▼ 0.2%€427k=€422k▼ 1.3%€389k▼ 7.8%
Operating result€873-€-209€6k€-6k€-33k▼ 501%
Net result€1k-€-818€179€-6k€-33k▼ 479%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €33k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €408k
Equity
€389k▼ 7.8%
Debt
€20k▲ 80.4%
The debt ratio rises from 2.5% to 4.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
95.2%▼
2024 · 97.5%
Current ratio
20.66▼
2024 · 40.28
Quick ratio
14.01▼
2024 · 25.07
Debt / equity
0.05▲
2024 · 0.03
ROE
-8.5%▼
2024 · -1.4%
ROA
-8.1%▼
2024 · -1.3%
Debt
€20k▲
2024 · €11k
Debt ≤ 1 year
€20k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€433k€408k▼
Current assets29/58€433k€408k▼
Stocks and contracts in progress3€163k€131k▼
Stocks30/36€163k€131k▼
Amounts receivable within one year40/41€35k€37k▲
Trade receivables40€17k€17k▼
Other amounts receivable41€18k€19k▲
Current investments50/53€170k€170k=
Cash at bank and in hand54/58€64k€70k▲
Equity and liabilities
Total equity and liabilities10/49€433k€408k▼
Equity10/15€422k€389k▼
Contributions10/11€475k€475k=
Reserves13€23k€23k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€-76k€-109k▼
Amounts payable17/49€11k€20k▲
Amounts payable within one year42/48€11k€20k▲
Trade debts44€11k€20k▲
Suppliers440/4€11k€20k▲
Accrued charges and deferred income492/3€219-
Income statement
Code20242025
Other operating charges640/8€314€115▼
Gross operating margin9900€-5k€-33k▼
Operating profit (loss)9901€-6k€-33k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-6k€-33k▼
Profit (loss) for the period9904€-6k€-33k▼
Profit (loss) for the period to be appropriated9905€-6k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-76k€-109k▼
Profit (loss) brought forward from the previous period14P€-70k€-76k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €179
Net result €179 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 45.72
Current ratio from 22.77 to 45.72; short-term debt falls from €20k to €10k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Maaseik · 1 establishment unit since 1985
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Bleumerstraat 613680 MaaseikGround area
189 m²
Building footprint
114 m²
Volume, LiDAR
700 m³
Parcel 72021E0630/00A000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bleumerstraat 61, 3680 Maaseik
since 19852.027.377.105
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021E0630/00A000 | Flanders | 189 m² | 1 · 114 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMaaseik2.027.377.105
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CHRIS KRANTJE
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MIKE' S HAVANA AMBASSADORS
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Of 418 companies in sector 47260 we hold annual accounts for 264. 178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-1985
Fiscal year end31-12
Activities, NACEBEL
47260Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.