Losses
-€4.0m in four years
Every financial year from 2022 to 2025 closed with a loss. 2023 was the heaviest.
STEDIMO
Lifetime
19 annual accounts with figures on one time axis, 29 filings since 1997peak €1.8m (2022)
€749,325▲ 3.9%
lowest -€2.0m (2023)
-€811,519▼ €179,634
peak €13.3m (2023)
€11.6m▼ 6.5%
€9.5m▼ 4.3%
peak 2.1 FTE (2018)
-not published
Board5 names since 2019
1 directorSTUDENTCOMFORT
Owners3 names in the annual accounts
100%STUDENTCOMFORT and 1 other
Documentsfilings and deeds
31-07-202661 days late
2025financial year
Loss of €811,519Registered office moved within Leuven 18-12Cash from €312,537 to €43,227
Key points
from the 2025 annual accountsFilings
29 annual accounts 61 days
Latest accounts filed late: after the legal deadline.
At the same address
22 companies
Checked score
66
Healthy
Financially stronger than 27% of medium-sized companies without a NACE code
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.4%▲ +0.1 percentage points vs 04-2025
06-2025: 0.5%▲ +0.1 percentage points vs 05-2025
07-2025: 0.1%▼ -0.4 percentage points vs 06-2025
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 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.3%▲ +0.2 percentage points vs 12-2025
02-2026: 0.4%▲ +0.1 percentage points vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.5%▲ +0.1 percentage points vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.7%▲ +0.2 percentage points vs 05-2026
07-2026: 1.0%▲ +0.3 percentage points vs 06-2026highest value
08-2026: 0.9%▼ -0.1 percentage points vs 07-2026
09-2026: 0.9%● unchanged vs 08-2026
10-2026: 0.9%● unchanged vs 09-2026
11-2026: 0.9%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 0.17, cash €43,227, halved
1 change of registered office in 24 months
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €21.5m
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 (no NACE code, medium-sized). It does better than 39% of them on solvency, 26% on liquidity, 25% on profitability and 18% 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 31-10-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 830 companies had the same profile as STEDIMO has now. Each dot stands for 3 companies, two years later.
96.5%
were still trading
2.9%
stopped another way
0.6%
went bankrupt
The bankruptcy probability of STEDIMO itself is higher: 0.9% within 12 months. It rests on far more data about STEDIMO 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 830 companies, not a prediction for STEDIMO. 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 €750,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.17 (0.2 in 2024), below 1. Short-term debt is 20.3% and cash 0.2% of total assets. 45.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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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
19202122232425
2019 to 2025 · latest year -€811,519
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 31-07-2026, 61 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
61 days late
2024
2 days late
2023
30 days late
2022
54 days late
2021
2 days early
2020
on the day
2019
37 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 15 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-10-2026 is due by 31-05-2027. Nothing is late today. The company usually files around 13 July (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
31-10-2026 year end07-11-2026 today31-05-2027 deadline
Board and ownership
- STUDENTCOMFORT 100%score 54equity €85.5m (2025) · 31-03-2025 annual accounts of STUDENTCOMFORT
- PS&U 80%score 92equity €468,470 (2025) · 2025 annual accounts of PS&U
Recent changes
Registered office moved within Leuven
New registered office: Quinten Metsyplein 12 bus 0001, 3000 Leuven · Previous registered office: Naamsestraat 111, 3000 Leuven · Permanent representative: Kourosh Javedani · General meeting of 05-03-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0458293920
Registered office moved within Leuven
New registered office: Naamsestraat 111, 3000 Leuven · Previous registered office: Diestsestraat 194 bus c 3000 Leuven · Resignations: GERMANUS (director) and SNEYERS Jens (director) · General meeting of 08-11-2022 · Gazette deed
Merger proposal: Stedimo takes over Carrelages Fr.Van Weyenbergh
Permanent representatives: Lismont Steven and Sneyers Jens · The company holds all the shares of Carrelages Fr.Van Weyenbergh · Gazette deed
Official details
Source: KBO- Status
- Active since 10-07-1996Normal situation
- Registered office
- 23 active companies are registered at this address2 started in the 12 months before. Source: KBO register, as of 7 November 2026.
- Activity
- NACE 68100and 2 others
- Joint committees
- 112Garages
- 200Auxiliary committee for white-collar workers · annual accounts 30-09-2021
- Establishment unit
- 2.077.324.0863000 Leuven, since 12-07-1996
- Financial year end
- 31 October
- Peppol
- Reachable since 17-04-2025
Insights on STEDIMO
STEDIMO has existed since 1996. The gross margin fell from €566,650 in 2009 to €194,112 in 2010.
STUDENTCOMFORT holds all the shares. In November 2022, the Official Gazette published the appointment of STUDENTCOMFORT as managing director.
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 STEDIMO
- What is the company number of STEDIMO?
- The company number of STEDIMO is 0458.293.920. The VAT number is the same number with BE in front: BE 0458.293.920.
- Where is STEDIMO based?
- The registered office is at Quinten Metsysplein 12, 3000 Leuven.Company details
- What is the legal form of STEDIMO?
- STEDIMO is a public limited company (NV).
- When was STEDIMO founded?
- STEDIMO was founded on 10-07-1996.
- Is STEDIMO still active?
- Yes, STEDIMO is an active enterprise in the KBO register.
- How many employees does STEDIMO have?
- STEDIMO had an average of 0.3 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- Which joint committee does STEDIMO fall under?
- In its 30-09-2021 annual accounts, STEDIMO states joint committees 112 (Garages) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of STEDIMO?
- The turnover in financial year 2025 is ≈ €1.8m. This figure is estimated from the gross margin of €749,325 and 2,275 comparable companies of the same size. It probably lies between €1.1m and €3.0m. It is a rough estimate.
- Is STEDIMO profitable?
- In financial year 2025, STEDIMO made a loss of €811,519.
- Where can I find the annual accounts of STEDIMO?
- STEDIMO filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEDIMO due?
- STEDIMO must file the annual accounts for financial year 2026 by 31-05-2027.Timeline
Next steps
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