Stella.Shop
ActiveThe computed 12-month bankruptcy probability of Stella.Shop is 2.1% (moderate). The annual accounts of Stella.Shop for fiscal year 2025 show a net loss of 51% of the equity at the start of that year. The 2025 annual accounts show equity of €5k and a net result of €-5k. Equity is shrinking by ~37.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 27% of 18207 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-1
Solvency32▼-8
Growth32=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.01 against 1.18 in 2024; short-term debt: 84.6% and cash: 30.1% of total assets), and 92.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
7.1%
Return on assets
-7.3%
Age of the figures
9 mo
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
2122232425
2021 to 2025 · latest year €-5k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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.
NBB · 5 filingsDeviation from the deadline
2025
7 d late
2024
on the day
2023
50 d late
2022
5 d early
2021
30 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 50.8%
2024 · €10k
2021: €27k
2022: €30k
2023: €15k
2024: €10k
2021 → 2025
Total assets
€70k▲ 4.7%
2024 · €67k
2021: €67k
2022: €83k
2023: €77k
2024: €67k
2021 → 2025
Net result
€-5k▼ 8.2%
2024 · €-5k
2021: €7k
2022: €3k
2023: €-16k
2024: €-5k
2021 → 2025
Working capital
€389▼ 95.1%
2024 · €8k
2021: €-7k
2022: €4k
2023: €7k
2024: €8k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€30k▲ 12.3%€15k▼ 51.2%€10k▼ 31.9%€5k▼ 50.8%
Operating result€14k-€10k▼ 28.2%€-12k€882€3k▲ 214%
Net result€7k-€3k▼ 52.9%€-16k€-5k▲ 69.6%€-5k▼ 8.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 214% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€10k▼ 28.7%
Current assets
€60k▲ 14.1%
Equity and liabilities €70k
Equity
€5k▼ 50.8%
Debt
€65k▲ 14.6%
The debt ratio rises from 85.0% to 92.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▲
2024 · €6k
Cash flow
€-922▼
2024 · €202
Solvency
7.1%▼
2024 · 15.0%
Current ratio
1.01▼
2024 · 1.18
Quick ratio
0.49▲
2024 · 0.46
Debt / equity
13.16▲
2024 · 5.65
ROE
-103.2%▼
2024 · -46.9%
ROA
-7.3%▼
2024 · -7.1%
Interest coverage
1.06▼
2024 · 1.13
Debt
€65k▲
2024 · €57k
Debt ≤ 1 year
€60k▲
2024 · €45k
Debt > 1 year
€6k▼
2024 · €12k
Income taxes
€1k▲
2024 · €452
Staff costs
€2k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€67k€70k▲
Fixed assets21/28€15k€10k▼
Intangible fixed assets21€11k€8k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€13€0▼
Furniture and vehicles24€0-
Other tangible fixed assets26€3k€2k▼
Current assets29/58€53k€60k▲
Stocks and contracts in progress3€32k€30k▼
Stocks30/36€32k€30k▼
Amounts receivable within one year40/41€3k€1k▼
Trade receivables40€2k€488▼
Other amounts receivable41€377€934▲
Cash at bank and in hand54/58€10k€21k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€67k€70k▲
Equity10/15€10k€5k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-10k€-15k▼
Amounts payable17/49€57k€65k▲
Amounts payable after more than one year17€12k€6k▼
Financial debts170/4€12k€6k▼
Amounts payable within one year42/48€45k€60k▲
Current portion of amounts payable after more than one year42€6k€7k▲
Financial debts43€0€14k▲
Credit institutions430/8€0€14k▲
Other loans439-€51
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Taxes, remuneration and social security45€22k€25k▲
Taxes450/3€22k€25k▲
Other amounts payable47/48€6k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€9k€11k▲
Operating profit (loss)9901€882€3k▲
Financial income75/76B€4€146▲
Recurring financial income75€4€146▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€-4k€-4k▲
Income taxes67/77€452€1k▲
Profit (loss) for the period9904€-5k€-5k▼
Profit (loss) for the period to be appropriated9905€-5k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-15k▼
Profit (loss) brought forward from the previous period14P€-5k€-10k▼
Transfer from equity791/2€0-
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-12
Financial
Weakest financial yearnet €-16k ▼567%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mechelen · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Geitestraat 202800 MechelenGround area
130 m²
Building footprint
130 m²
Volume, LiDAR
1,446 m³
Parcel 12025D0073/00D000, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Stella.Shop
since 20202.306.222.510
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025D0073/00D000 | Flanders | 130 m² | 1 · 130 m² | 15.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,211 companies in sector 47711 we hold annual accounts for 889. 359 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-2020
Fiscal year end31-12
Activities, NACEBEL
47711Retail sale of women's outerwear
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.