Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of STECEL GARDEN is 2.2% (moderate). The 2022 annual accounts show negative equity (€-14k) and a net result of €2k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 5% of 2418 sector peers (fiscal year 2022). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.2%
Moderate
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile
+Long track record
−Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2023 was due at the National Bank by 31-07-2024. Nothing is on record today, 763 days later. 3 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 23-10-2023, 84 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.
How we compute the deadline
The year end is derived from 10 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 31-12-2022, that is 31-07-2023.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not confirmed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | nothing on record | not filed | - |
| 31-12-2022 | 31-07-2023 | 23-10-2023 | 84 d late | 2023-00491609 |
| 31-12-2021 | 31-07-2022 | 01-07-2022 | 30 d early | 2022-20129537 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-60800352 |
| 31-12-2019 | 31-07-2020 | 24-09-2020 | 55 d late | 2020-55300456 |
| 31-12-2018 | 31-07-2019 | 27-08-2019 | 27 d late | 2019-51800112 |
| 31-12-2017 | 31-07-2018 | 29-08-2018 | 29 d late | 2018-52900291 |
| 31-12-2016 | 31-07-2017 | 31-08-2017 | 31 d late | 2017-54600204 |
| 31-12-2015 | 31-07-2016 | 26-08-2016 | 26 d late | 2016-48900531 |
| 31-12-2014 | 31-07-2015 | 28-08-2015 | 28 d late | 2015-52100053 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. 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 signalsLong-established
Founded in 2004, 21 years in business.
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.
Financials
TurnoverNot published (micro schema)
EBIT marginNot published (micro schema)
Net result€2k
Working capital€-14k+10.9%
Annual accounts & ratios
Source: NBB · 2022Annual accounts filed on 23-10-2023 with the NBB · fiscal year 2022 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±0.2%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2022 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -10191.3% | 25.2% | |
| Net result | €2k | €4k | |
| Equity | €-14k | €21k | |
| Gross operating margin | €2k | €18k | |
| Total assets | €134 | €105k |
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).
P5
Stable position over 2020-2022
· n=977-2418
P45
Stable position over 2020-2022
· n=974-2419
P15
Stable position over 2020-2022
· n=981-2425
P31
Stable position over 2020-2022
· n=972-2411
Describes the position versus peers, not a forecast.
€-1k
-
18-22
€2k
-
18-22
€-1k
+96.5%
18-22
€134
-62.6%
18-22
€-14k
+10.9%
18-22
€-14k
+10.9%
18-22
€14k
-12.1%
18-22
€14k
-12.1%
18-22
Show 7 other metrics
0.01
-69.0%
18-22
0.01
-69.0%
18-22
-10191.3%
-138.0%
18-22
-1.01
+1.3%
18-22
-12.3%
-
18-22
1253.0%
-
18-22
-4.12
-
18-22
Figures by fiscal year
| Fiscal year | 2022 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €2k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €134 |
| Equity | €-14k |
| Debt | €14k |
| of which ≤ 1y | €14k |
| of which > 1y | - |
| Working capital | €-14k |
| Employees (FTE) | - |
Ratios (computed)
| 2022 | |
|---|---|
| Current ratio | 0.01 |
| Quick ratio | 0.01 |
| Working capital ratio | -10228.6% |
| Solvency | -10191.3% |
| Debt / equity | -1.01 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 1253.0% |
| ROE | -12.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2022
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2022 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €134 |
| Fixed assets | 21/28 | €50 |
| Financial fixed assets | 28 | €50 |
| Current assets | 29/58 | €84 |
| Cash & bank | 54/58 | €3 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €134 |
| Equity | 10/15 | €-14k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €89 |
| Accumulated profits (losses) | 14 | €-32k |
| Amounts payable | 17/49 | €14k |
| Amounts payable within one year | 42/48 | €14k |
| Trade debts payable within one year | 44 | €589 |
| Income statement | ||
| Gross operating margin | 9900 | €2k |
| Operating result | 9901 | €2k |
| Financial charges | 65 | €96 |
| Result before taxes | 9903 | €2k |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2022 · computed8
/ 100
Critical
Computed from 4 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 2022. Indicative, not credit advice.
Directors
Directors & mandates
2 directors4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Current06-06-2025 → present
3 events
- 06-06-2025 Appointed· Managing director
- 06-06-2025 Appointed· Director
- 06-06-2025 Mandate renewed· Director
Former directors (1)
-
Former- → 06-06-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Handelsbemiddeling in de niet-gespecialiseerde groothandel(46190) |
| Legal form | Private limited company(610) |
| Incorporation | 20-10-2004 |
| Status | Active |
| Postal code | 5380 |
Structure & network
Shareholders
1 shareholder100%largest stake
- PERET Jonathan 100%
Derived from capital & share acts in the Belgian State Gazette. Percentages appear where published.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationCAFES DAJA
since 20042.142.483.441
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area2,070 m²
Buildings2
Building footprint258 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55023C0571/00T003 | Wallonia | 1,822 m² | 1 · 177 m² | - |
| 92096B0208/00B000 | Wallonia | 248 m² | 1 · 82 m² | - |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act Capital history · 1
11-06-2025
SRL/SPRL STECEL (KBO 0869.528.586), Namur. Notarial act by Florence VAN AELST, notary at Ohey, dated 5 June 2025, filed (Déposé) 6 June 2025, published 11 June 2025. Sole shareholder PERET Jonathan (1…
All acts · 1
updated 1 year ago
2025
11-06-2025 Transaction in capital or shares
Summary:
SRL/SPRL STECEL (KBO 0869.528.586), Namur. Notarial act by Florence VAN AELST, notary at Ohey, dated 5 June 2025, filed (Déposé) 6 June 2025, published 11 June 2025. Sole shareholder PERET Jonathan (1…Notary:
Florence VAN AELST · Ohey
Analysis
Financial profile
5 of 5 axes measured40
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
8
Profitability
0
Solvency
33
Growth
58
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 643 of the 6,189 companies in this sector. 340 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Verwerking van koffie en thee15860Handelsbemiddeling in de niet-gespecialiseerde groothandel46190Verwerking van thee en koffie10830
Primary activity highlighted.
Names & trade names
| Legal nameFR | STECEL GARDEN |
Registered office
Rue Salinas, Nov. 12
5380 Fernelmont, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.