Losses
-€38,735 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
STAVOMA
Lifetime
20 annual accounts with figures on one time axis, 40 filings since 1985peak €24,877 (2011)
-€33,085▼ €27,879
lowest -€33,030 (2025)
-€33,030▼ €27,324
peak €538,676 (2012)
€388,584▼ 7.8%
€19,767▲ 80.4%
Board1 name since 1985
1 directorSTAKENBORG Lisette Sybilla Catharina
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from -€5,206 to -€33,085Loss of €33,030Debts from €10,958 to €19,767
Key points
from the 2025 annual accountsFilings
40 annual accounts since 1985
Eight of the last ten came late. The 2019 accounts came latest: 89 days after the end of the period.
Position in the sector
-€33,030
Lower net result than 93% of companies in retail trade. Sector median €5,067 · 22,842 companies.
Turnover not published (micro format)
Checked score
88
Excellent
Financially stronger than 55% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,273 companies (NACE 47, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: 0.1%▲ +0.1 percentage points vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.2%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Loss of €33,030, the second in a row (financial year 2025)
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 20.66, cash €69,886
Equity €388,584 (95.2% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 92% of them on solvency, 77% on liquidity, 21% on profitability and 28% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as STAVOMA has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STAVOMA itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for STAVOMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 20.66 (40.28 in 2024), above the usual 1.5. Short-term debt is 4.8% and cash 17.1% of total assets. 4.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
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 -€33,030
raises risk · 2025 accounts filed 28 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
28 days late
2024
1 day early
2023
1 day early
2022
25 days late
2021
25 days late
2020
30 days late
2019
89 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 28 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0427466627
Reappointment: STAKENBORG Lisette Sybilla Catharina (director)
Appointment: STAKENBORG Lisette Sybilla Catharina (statutory director) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 29-11-2023 · Gazette deed
First establishment
Bleumerstraat 61, Maaseik
Incorporation
published on 07-08-1985 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STAVOMA Maaseik | €408,351 | -€33,085 | 95.2% | - |
| VIVIER DAVID Leuze-en-Hainaut | €352,980 | -€3,844 | 50.6% | - |
| VDP GROUP De Panne | €672,016 | -€15,174 | 70.1% | 0 |
| RON'S SHOP Ostend | €320,850 | -€5,467 | 94.0% | - |
| ONLINE TOBACCO De Panne | €224,941 | -€15,646 | 81.9% | - |
| BAIJOT DISTRIBUTION Paliseul | €845,573 | -€18,804 | 17.8% | 4.9 |
| BRITISH TOBACCO SERVICES Ostend | €336,100 | -€24,057 | 55.6% | - |
These companies have the same main activity as STAVOMA: retail trade (NACE 47260). They are comparable in size and age: total assets between €225,000 and €846,000, founded between 1986 and 2007.
Official details
Source: KBO- Status
- Active since 23-07-1985Normal situation
- Activity
- Retail tradeNACE 47260and 1 other
- Establishment unit
- 2.027.377.1053680 Maaseik, since 01-08-1985
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Insights on STAVOMA
STAVOMA files the micro format. That format states no turnover. The gross margin fell from €19,450 in 2006 to -€33,085 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STAVOMA
- What is the company number of STAVOMA?
- The company number of STAVOMA is 0427.466.627. The VAT number is the same number with BE in front: BE 0427.466.627.
- Where is STAVOMA based?
- The registered office is at Bleumerstraat 61, 3680 Maaseik.Company details
- What does STAVOMA do?
- According to the KBO register, the main activity is retail trade (NACE 47260).
- What is the legal form of STAVOMA?
- STAVOMA is a private limited company (BV).
- When was STAVOMA founded?
- STAVOMA was founded on 23-07-1985.
- Is STAVOMA still active?
- Yes, STAVOMA is an active enterprise in the KBO register.
- What is the turnover of STAVOMA?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is STAVOMA profitable?
- In financial year 2025, STAVOMA made a loss of €33,030.
- Where can I find the annual accounts of STAVOMA?
- STAVOMA filed 40 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STAVOMA due?
- STAVOMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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