Equity
€255,738 ▲ 64.2%
Equity rose in 2025 from €155,757 to €255,738.
STCS
Lifetime
3 annual accounts with figures on one time axispeak €134,675 (2025)
€134,675▲ 14.7%
peak €99,981 (2025)
€99,981▲ 16.7%
peak €255,738 (2025)
€255,738▲ 64.2%
€46,903▼ 54.0%
Board2 names since 2023
2 directorsPhilippe Scherpenseel and 1 other
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €117,430 to €134,675Equity from €155,757 to €255,738Debts from €102,008 to €46,903
Key points
from the 2025 annual accountsTurnover
≈ €230,000 estimated
The micro format states no turnover.
Investments
€1,372 5.0 × depreciation
Green is investment, beige is depreciation.
Liquidity
6.43 was 2.53 in 2024
Short-term debts fell from €102,008 to €46,903.
Filings
3 annual accounts 1 late
The 2023 accounts came 23 days late. The other two were filed on time.
Position in the sector
€99,981
Higher net result than 85% of companies in head offices and management consultancy. Sector median €27,168 · 39,358 companies.
Checked score
98
Excellent
Financially stronger than 86% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,555 companies (NACE 70, micro).
Fewer than 1 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: < 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%● unchanged 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%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged 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: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 6.43, cash €117,446
Equity €255,738 (84.5% of total assets)
Figures for financial year 2025 (filed on 29-06-2026)
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 70, micro). It does better than 86% of them on solvency, 89% on liquidity, 84% on profitability and 84% on growth.
The bankruptcy probability was computed on 06-11-2026 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, 39,278 companies had the same profile as STCS has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
The bankruptcy probability of STCS itself is lower: < 0.1% within 12 months. It rests on far more data about STCS than the profile alone.
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 39,278 companies, not a prediction for STCS. 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 €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.43 (2.53 in 2024), above the usual 1.5. Short-term debt is 15.5% and cash 38.8% of total assets. 15.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
32 days early
2024
9 days early
2023
23 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 6 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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 22 July (3 of the last 3 accounts filed within 33 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0797449074
Incorporation
Founding capital of €2,000, 1,000 shares · Founder: SCHERPENSEEL, Julie Sabine Nelly · Appointments: SCHERPENSEEL, Julie Sabine Nelly (director) and Philippe Scherpenseel (director) · published on 24-01-2023 · Gazette deed
First establishment
Charles de Kerchovelaan 17, Ghent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STCS Ghent | €302,641 | €134,675 | 84.5% | - |
| Virginie De Brabandt Ghent | €329,785 | €135,575 | 72.2% | - |
| ZEDZED Ghent | €332,599 | €167,843 | 75.1% | - |
| MAZE Ghent | €275,141 | €125,081 | 84.8% | - |
| WK Financial Management Ghent | €330,798 | €164,385 | 68.4% | - |
| HOUSE OF EXPERT Lokeren | €315,416 | €131,216 | 72.3% | - |
| FABILEUX Berlare | €291,425 | €128,660 | 80.7% | - |
These companies have the same main activity as STCS: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €275,000 and €333,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 20-01-2023Normal situation
- Registered office
- 10 active companies are registered at this addressSource: KBO register, as of 7 November 2026.
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.342.462.6019000 Ghent, since 20-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Annual accounts 2025
- €302,641▲ 17.4%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on STCS
STCS files the micro format. That format states no turnover. The gross margin rose from €95,082 in 2023 to €134,675 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 STCS
- What is the company number of STCS?
- The company number of STCS is 0797.449.074. The VAT number is the same number with BE in front: BE 0797.449.074.
- Where is STCS based?
- The registered office is at Charles de Kerchovelaan 17, 9000 Ghent.Company details
- What does STCS do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of STCS?
- STCS is a private limited company (BV).
- When was STCS founded?
- STCS was founded on 20-01-2023.
- Is STCS still active?
- Yes, STCS is an active enterprise in the KBO register.
- What is the turnover of STCS?
- The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €134,675 and 109 comparable companies (NACE 70200). It probably lies between €190,000 and €270,000.Financials
- Is STCS profitable?
- In financial year 2025, STCS made a profit of €99,981.
- Where can I find the annual accounts of STCS?
- STCS filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STCS due?
- STCS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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