Skip to content

STEKAMAT

Active
Private limited companyfounded 201213 years activeMeersstraat 85, 1742 Ternat, BelgiumKBO/BCE: BE 0501.785.156
Summary

The computed 12-month bankruptcy probability of STEKAMAT is 5.6% (elevated). The 2024 annual accounts show equity of €790,809 and a net result of -€9,754. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 52% of 15,868 sector peers (NACE 46, fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.

Overview

Activity
Agents specialised in the wholesale of other particular products
NACE 46180
1 site
Size
€1.9mtotal assets 2024
Equity
€790,809
Loss
-€9,754
Turnover not published (abridged schema)
Financial health
36 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
5.6%
Structure
Holdings
1
Accounts 68 days overdue0 of 1 deed read
Why 36- 1 financial year not filed after the legal deadline; latest accounts 229 days late; 3 of the last 3 late- Figures for FY 2024 (filed 17-03-2026)- Liquidity: current ratio 0.81, cash €4,203+ Founded in 2012Show the evidence

Checked score

Score 2024
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 36% of its sector peers (NACE 46, micro)
Financial strength · tick = 2023
Weak
Solvency 66-20
equity 41.4% of total assets
Liquidity 38+1
short-term debt 29.9% · cash 0.2%
Profitability 18-54
return on assets -0.5%
Bankruptcy probability, 12 months
5.6% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,860 companies)
Last 24 months 11-2024: 0.7%lowest value 12-2024: 0.7%● unchanged vs 11-2024lowest value 01-2025: 0.7%● unchanged vs 12-2024lowest value 02-2025: 0.7%● unchanged vs 01-2025lowest value 03-2025: 0.7%● unchanged vs 02-2025 04-2025: 0.7%● unchanged vs 03-2025 05-2025: 0.7%● unchanged vs 04-2025 06-2025: 0.8%▲ +0.1 percentage points vs 05-2025 07-2025: 0.9%▲ +0.1 percentage points vs 06-2025 08-2025: 1.3%▲ +0.4 percentage points vs 07-2025 09-2025: 1.4%▲ +0.1 percentage points vs 08-2025 10-2025: 2.2%▲ +0.8 percentage points vs 09-2025 11-2025: 2.3%▲ +0.1 percentage points vs 10-2025 12-2025: 3.1%▲ +0.8 percentage points vs 11-2025 01-2026: 5.0%▲ +1.9 percentage points vs 12-2025 02-2026: 5.0%● unchanged vs 01-2026 03-2026: 5.0%● unchanged vs 02-2026 04-2026: 2.6%▼ -2.4 percentage points vs 03-2026 05-2026: 2.6%● unchanged vs 04-2026 06-2026: 2.8%▲ +0.2 percentage points vs 05-2026 07-2026: 2.7%▼ -0.1 percentage points vs 06-2026 08-2026: 3.8%▲ +1.1 percentage points vs 07-2026 09-2026: 4.2%▲ +0.4 percentage points vs 08-2026 10-2026: 5.6%▲ +1.4 percentage points vs 09-2026highest value
Credit up to €25,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.81 against 0.64 in 2023; short-term debt: 29.9% and cash: 0.2% of total assets), and 58.6% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, micro): better than 50% on solvency, 35% on liquidity, 21% on profitability and 37% on growth.

The bankruptcy probability was computed on 07-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals.
−lowers risk+raises risk
raises risk · 1 financial year not filed after the legal deadline; latest accounts 229 days late; 3 of the last 3 late
NBB · filings
raises risk · Figures for FY 2024 (filed 17-03-2026)
NBB · annual accounts
raises risk · Liquidity: current ratio 0.81, cash €4,203
NBB · annual accounts
lowers risk · Founded in 2012
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-03-2026, 229 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
229 days late
2023
86 days late
2022
112 days late
2021
78 days late
2020
90 days late
2019
117 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 119 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Weakest financial yearnet -€9,754
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 5% on equitysector median €56,080 · 15,906 companies €790,809 View
  • Caution: Accounts not fileddeadline was 31-07-2026 68 days late View
  • Total assets 20246 fiscal years filed €1.9m View

By topic

Financials

Fiscal year
2024
Total assets
€1.9m
Loss
-€9,754
Solvency
41.4%
Total assets▲ 45.8%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 20-11-2023Annual accounts filed
  2. 17-10-2022Annual accounts filed
  3. 29-10-2021Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Agents specialised in the wholesale of other particular…NACE 46180
Founded
06-12-2012
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.