STEMAMI

Active

Private limited companyfounded 2010active for 16 yearsTervurenlaan 59, 1040 Etterbeek, BelgiumKBO/BCE: BE 0822.348.677

Summary

STEMAMI has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €129,433 and a net result of €37,261. Equity is shrinking by about 2.9% per year across the filed financial years. Its solvency ranks better than 69% of 18,739 sector peers (NACE 56, financial year 2024). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisFollow Report Compare

STEMAMIActiveChecked score 56/100

Risk analysis Report Compare

Activity

Full-service restaurants

NACE 56111

2 sites

Size

€249,042total assets 2024

Staff: 4.3 FTE
Equity: €129,433
Profit: €37,261

Turnover not published (micro format)

Financial health

56 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 1.2%

Structure

Maurizio ZIZZADirector

2025 accounts not filed, 87 days past the deadline2 of 8 deeds summarised

Why 56raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 16-07-2025)Sector: Food and beverage service activities (NACE 56)lowers riskFounded in 2010Liquidity: current ratio 1.89, cash €62,756Show the evidence

Checked score

Score 2024

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 56% of its sector peers (NACE 56, micro)

A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Strong

Solvency 77-16

equity 52.0% of total assets

Liquidity 58-10

short-term debt 48.0% · cash 25.2%

Profitability 87+62

return on assets 15.0%

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,763 companies, NACE 56, micro)

Last 24 months 11-2024: 1.1% 12-2024: 1.1%● unchanged vs 11-2024 01-2025: 1.1%● unchanged vs 12-2024 02-2025: 1.1%● unchanged vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.2%▲ +0.1 percentage points vs 03-2025 05-2025: 1.3%▲ +0.1 percentage points vs 04-2025 06-2025: 1.3%● unchanged vs 05-2025 07-2025: 1.4%▲ +0.1 percentage points vs 06-2025 08-2025: 1.2%▼ -0.2 percentage points vs 07-2025 09-2025: 1.2%● unchanged vs 08-2025 10-2025: 1.2%● unchanged vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.2%● unchanged vs 11-2025 01-2026: 1.1%▼ -0.1 percentage points vs 12-2025 02-2026: 1.2%▲ +0.1 percentage points vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.4%▲ +0.2 percentage points vs 04-2026highest value 06-2026: 1.4%● unchanged vs 05-2026 07-2026: 0.5%▼ -0.9 percentage points vs 06-2026lowest value 08-2026: 0.7%▲ +0.2 percentage points vs 07-2026 09-2026: 0.9%▲ +0.2 percentage points vs 08-2026 10-2026: 1.2%▲ +0.3 percentage points vs 09-2026

Credit of up to €7,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance

Liquidity ample (current ratio 1.89, compared with 2.8 in 2023, above the usual 1.5; short-term debt: 48% and cash: 25.2% of total assets), and 48% of the assets are financed with debt and provisions.

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 56, micro): better than 69% on solvency, 61% on liquidity, 76% on profitability and 18% on growth.

The bankruptcy probability was computed on 25-10-2026 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

Six signals.

lowers riskraises riskneutral

Figures for financial year 2024 (filed 16-07-2025)

NBB · annual accounts

Sector: Food and beverage service activities (NACE 56)

KBO

Founded in 2010

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 1.89, cash €62,756

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 87 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline26-10-2026 today

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-07-2025, 15 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not filed

2024

15 days early

2023

48 days early

2022

39 days late

2021

15 days late

2020

20 days late

2019

17 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 5 days after the deadline; the sector median (NACE 56) for financial year 2024 is 6 days after the deadline, and 53% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

16-07-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Back to profitnet €37,261
20-06-2024 Registered officeRegistered-office move

Key points

Caution: 2025 accounts not fileddeadline was 31-07-2026 87 days past the deadline View
Positive: Among the best 16% on net resultsector median €5,432 · 18,725 companies €37,261 View
Caution: Equity fell in 2024from €202,559 to €129,433 ▼ 36.1% View

By topic

Financials

Financial year: 2024
Total assets: €249,042
Profit: €37,261
Solvency: 52.0%

Total assets▼ 16.1%

Net result

20182024

Go to Financials

Board & ownership

Board: 1 member

Maurizio ZIZZADirector

Go to Board & ownership

Timeline

Events: 21
Since: 2011

13-06-2024Annual accounts filed
09-10-2023Legal-form change · Resignations & appointments
08-09-2023Annual accounts filed

Go to Timeline

Company details

Sites: 2

Legal form: Private limited company
Activity: Full-service restaurantsNACE 56111
Founded: 18-01-2010
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 30

Who signs: Each director alone
Annual meeting: Second Wednesday of June at 17:30
Purpose: “Uitbaten van restaurants,snack,frituur,pizzerias,consumentensalons,taverne,brouwerij,drank…” (deed in Dutch)

Go to Articles of association

Key facts about STEMAMI

What is the company number of STEMAMI?: 0822.348.677. In Belgium the VAT number is the company number with BE in front: BE 0822.348.677.
Where is STEMAMI based?: The registered office is at Tervurenlaan 59, 1040 Etterbeek.Company details
What does STEMAMI do?: According to the KBO register, the main activity is full-service restaurants (NACE 56111).
What is the legal form of STEMAMI?: Private limited company (BV).
When was STEMAMI founded?: On 18-01-2010.
Is STEMAMI still active?: Yes, STEMAMI is an active enterprise in the KBO register.
How many employees does STEMAMI have?: On average 4.3 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of STEMAMI?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is STEMAMI profitable?: In financial year 2024, STEMAMI made a profit of €37,261.
Where can I find the annual accounts of STEMAMI?: STEMAMI filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2024.