Summary
STELIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €159,029 and a net result of -€6,786. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 5585 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
16 d early
2023
7 d early
2022
31 d early
2021
3 d early
2020
33 d early
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 25 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
In the rankings
#6 oldest company in Halle, Finance and insurance sector
Equity
€159,029▼ 4.1%
2024 · €165,815
Net result
-€6,786
2024 · €24,057
Total assets
€160,416▼ 3.9%
2024 · €167,006
Solvency
99.1%▼ 0.2pp
2024 · 99.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€8,788▼ 65.1%-€3,854▲ 56.1%-€20,077▼ 421%€30,353-€6,535
Net result-€27,408below the sector's middle half▼ 29.6%€15,145within the sector's middle half-€30,050below the sector's middle half€24,057within the sector's middle half-€6,786below the sector's middle half
Equity€156,663within the sector's middle half▼ 14.9%€171,808within the sector's middle half▲ 9.7%€141,758below the sector's middle half▼ 17.5%€165,815below the sector's middle half▲ 17.0%€159,029below the sector's middle half▼ 4.1%
Total assets€796,725within the sector's middle half▼ 6.7%€767,231within the sector's middle half▼ 3.7%€714,855within the sector's middle half▼ 6.8%€167,006below the sector's middle half▼ 76.6%€160,416below the sector's middle half▼ 3.9%
Debt€593,536▼ 4.8%€595,423▲ 0.3%€573,097▼ 3.7%€1,192▼ 99.8%€1,387▲ 16.4%
Working capital€334,171above the sector's middle half▼ 13.1%€282,830within the sector's middle half▼ 15.4%€230,671within the sector's middle half▼ 18.4%€165,880within the sector's middle half▼ 28.1%€159,029within the sector's middle half▼ 4.1%
Solvency19.7%below the sector's middle half▼ 1.9pp22.4%below the sector's middle half▲ 2.7pp19.8%below the sector's middle half▼ 2.6pp99.3%above the sector's middle half▲ 79.5pp99.1%above the sector's middle half▼ 0.2pp
Current ratio1.94within the sector's middle half▼ 0.281.69within the sector's middle half▼ 0.251.53within the sector's middle half▼ 0.17
Return on assets (ROA)-3.4%below the sector's middle half▼ 1.0pp2.0%within the sector's middle half▲ 5.4pp-4.2%below the sector's middle half▼ 6.2pp14.4%above the sector's middle half▲ 18.6pp-4.2%below the sector's middle half▼ 18.6pp
Staff (FTE)0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6,535 after €30,353 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €160,416
Equity
€159,029 ▼ 4.1%
Debt
€1,387 ▲ 16.4%
Debt's share of the balance-sheet total rises from 0.7% to 0.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-4.3%▼
2024 · 14.5%
Debt ≤ 1 year
€1,387▲
2024 · €1,127
A ratio outside any meaningful range has been withheld (balance sheet total €160,416, equity €159,029).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €80,000 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €46,158 | €30,772 | €30,772 | €0 | - | - |
| Other operating charges640/8 | €5,712 | €4,010 | €384 | €49,064 | €135 | ▼ 99.7% |
| Gross operating margin9900 | €43,082 | €30,928 | €11,079 | €79,417 | -€6,400 | ▼ 108% |
| Operating profit (loss)9901 | -€8,788 | -€3,854 | -€20,077 | €30,353 | -€6,535 | ▼ 122% |
| Financial charges65/66B | €18,620 | €14,104 | €9,963 | €6,296 | €251 | ▼ 96.0% |
| Recurring financial charges65 | €18,620 | €14,104 | €9,963 | €6,296 | €251 | ▼ 96.0% |
| Profit (loss) for the period before taxes9903 | -€27,408 | -€17,958 | -€30,040 | €24,057 | -€6,786 | ▼ 128% |
| Transfer from deferred taxes780 | - | €46,526 | - | - | - | - |
| Income taxes67/77 | - | €13,423 | €10 | €0 | - | - |
| Profit (loss) for the period9904 | -€27,408 | €15,145 | -€30,050 | €24,057 | -€6,786 | ▼ 128% |
| Transfer from tax-exempt reserves789 | - | €110,762 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€27,408 | €125,907 | -€30,050 | €24,057 | -€6,786 | ▼ 128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €796,725 | €767,231 | €714,855 | €167,006 | €160,416 | ▼ 3.9% |
| Fixed assets21/28 | €107,684 | €76,912 | €46,141 | €0 | - | - |
| Tangible fixed assets22/27 | €107,684 | €76,912 | €46,141 | €0 | - | - |
| Land and buildings22 | €107,684 | €76,912 | €46,141 | €0 | - | - |
| Current assets29/58 | €689,041 | €690,318 | €668,714 | €167,006 | €160,416 | ▼ 3.9% |
| Amounts receivable within one year40/41 | €686,080 | €682,721 | €665,485 | €166,325 | €159,353 | ▼ 4.2% |
| Trade receivables40 | €3,462 | €0 | €3,888 | €0 | - | - |
| Other amounts receivable41 | €682,618 | €682,721 | €661,597 | €166,325 | €159,353 | ▼ 4.2% |
| Cash at bank and in hand54/58 | €2,961 | €7,598 | €3,229 | €681 | €1,063 | ▲ 56.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €796,725 | €767,231 | €714,855 | €167,006 | €160,416 | ▼ 3.9% |
| Equity10/15 | €156,663 | €171,808 | €141,758 | €165,815 | €159,029 | ▼ 4.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €241,594 | €130,831 | €130,831 | €130,831 | €130,831 | = |
| Tax-exempt reserves132 | €110,762 | - | - | - | - | - |
| Distributable reserves133 | €130,831 | €130,831 | €130,831 | €130,831 | €130,831 | = |
| Profit (loss) carried forward14 | -€91,130 | €34,776 | €4,727 | €28,783 | €21,997 | ▼ 23.6% |
| Provisions and deferred taxes16 | €46,526 | - | - | - | - | - |
| Deferred taxes168 | €46,526 | - | - | - | - | - |
| Amounts payable17/49 | €593,536 | €595,423 | €573,097 | €1,192 | €1,387 | ▲ 16.4% |
| Amounts payable after more than one year17 | €238,666 | €187,935 | €135,053 | €0 | - | - |
| Financial debts170/4 | €238,666 | €187,935 | €135,053 | €0 | - | - |
| Amounts payable within one year42/48 | €354,870 | €407,488 | €438,044 | €1,127 | €1,387 | ▲ 23.1% |
| Current portion of amounts payable after more than one year42 | €46,305 | €50,732 | €52,881 | €0 | - | - |
| Trade debts44 | €1,526 | €1,195 | €14,462 | €1,127 | €1,387 | ▲ 23.1% |
| Suppliers440/4 | €1,526 | €1,195 | €14,462 | €1,127 | €1,387 | ▲ 23.1% |
| Taxes, remuneration and social security45 | - | €13,423 | - | - | - | - |
| Taxes450/3 | - | €13,423 | - | - | - | - |
| Other amounts payable47/48 | €307,039 | €342,139 | €370,700 | €0 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €65 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€27,408 | €15,145 | -€30,050 | €24,057 | -€6,786 | ▼ 128% |
| + Depreciation and write-downs630 | €46,158 | €30,772 | €30,772 | €0 | - | - |
| Operating cash flow (approximation) | €18,750 | €45,917 | €722 | €24,057 | -€6,786 | ▼ 128% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €46,141 | - | - |
| Change in cash | - | €4,637 | -€4,369 | -€2,548 | €381 | ▲ 115% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €24,057
Net result €24,057 after one loss-making year.
31-12
Financial
Liquidity times 97current ratio 148.21
Current ratio from 1.53 to 148.21; short-term debt falls from €438,044 to €1,127.
31-12
Financial
Equity above €150,000Eq €165,815 ▲17%
Equity rises from €141,758 to €165,815.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet -€30,050
Net result drops to -€30,050, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €15,145
Net result €15,145 after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Halle · 1 establishment unit since 2006
Ground area
102 m²
Building footprint
102 m²
Volume, LiDAR
464 m³
Parcel 23013B0279/00T000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
STELIS
since 20062.362.143.010
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23013B0279/00T000 | Flanders | 102 m² | 1 · 102 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- HERNO
- STELIS
Highest known parent: HERNO. The sources do not say who stands above it.
Owners 1
- HERNOparentSourceaccounts HERNO 2023100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
D & C
BE 0477.528.723
Aalter · Eq €159,034
LENZERHORN
BE 0779.743.408
Antwerpen · Eq €158,981
Darney 1392
BE 0448.410.907
Sint-Jans-Molenbeek · Eq €158,974
MAUKE
BE 0597.943.137
Dilsen-Stokkem · Eq €158,973
Duinvest
BE 0665.880.848
Nieuwpoort · Eq €158,929
Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,324 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-09-2006
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0883859050
Also
9925:BE0883859050
Registered
04-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.