Equity
€418,767 ▲ 22.2%
STEMATIC has made a profit in every financial year since 2018.
STEMATIC
Overview
Lifetime
8 annual accounts with figures on one time axispeak €155,223 (2025)
€155,223▲ 13.9%
peak €76,035 (2025)
€76,035▲ 35.8%
peak €418,767 (2025)
€418,767▲ 22.2%
€430,690▲ 6.0%
Board1 name since 2018
1 director
Documentsfilings and deeds
01-07-202630 days before the deadline
2025micro format
Gross margin from €136,262 to €155,223Result from €55,992 to €76,035Equity from €342,732 to €418,767Cash from €79,227 to €128,848
Key points
from the 2025 annual accountsTurnover
≈ €230,000 estimated
The micro format states no turnover.
Investments
€81,278 1.8 × depreciation
Green is investment, beige is depreciation.
Liquidity
3.15 was 2.28 in 2024
Short-term debts rose from €43,611 to €52,105.
Filings
8 annual accounts since 2018
The last five annual accounts were filed 28 to 45 days before the end of the period.
Position in the sector
€76,035
Higher net result than 87% of companies in real estate. Sector median €5,854 · 19,790 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 6,783 companies had the same profile as STEMATIC has now. Each dot stands for 17 companies, two years later.
96.7%
were still trading
2.7%
stopped another way
0.6%
went bankrupt
Test of the method
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 6,783 companies, not a prediction for STEMATIC. 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 check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0686989137
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
“L'achat,la vente,la revente,la location,l'activité de courtier en immeubles,la démolition,la…” (deed in French) · Director in office: · General meeting of 25-05-2023 · Gazette deed
First establishment
Rue Victor-Dewez,S.-St-L. 40, Fosses-la-Ville
Incorporation
Founding capital of €18,600, 186 shares · Founder: · Appointment: (manager) · published on 05-01-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEMATIC Fosses-la-Ville | €849,457 | €155,223 | 49.3% | - |
| ANAMAX Hamois | €772,681 | €141,227 | 2.4% | - |
| HET ROOSENVELD Zonnebeke | €851,171 | €150,551 | 43.5% | - |
| IMMO NOYEN Evergem | €807,283 | €164,897 | 45.5% | - |
| 4 Efficiency Invest Stoumont | €811,201 | €135,600 | 78.3% | - |
| TUNDRAZ Waregem | €896,714 | €177,297 | 84.2% | - |
| Het Pandschap Ghent | €785,113 | €184,707 | 10.9% | - |
These companies have the same main activity as STEMATIC: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €773,000 and €897,000, founded between 2017 and 2018.
Official details
Source: KBO- Status
- Active since 03-01-2018Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 3 others
- Establishment unit
- 2.271.330.2245070 Fosses-la-Ville, since 10-01-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 05-11-2026
Annual accounts 2025
- €155,223▲ 13.9%
- €76,035▲ 35.8%
- €418,767▲ 22.2%
- €849,457▲ 13.4%
- Filing
- Filed on 01-07-2026, 30 days before the end of the filing period
Insights on STEMATIC
STEMATIC files the micro format. That format states no turnover. The gross margin rose from €90,749 in 2018 to €155,223 in 2025.
The balance sheet grew most from 2023 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 01-07-2026, 30 days before the deadline€155,223
▲ 13.9%
€104,084
▲ 31.0%
€76,035
▲ 35.8%
€111,842
▲ 101%
49.3%
▲ 3.5 percentage points
3.15
▲ 0.87
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €230,000. Estimated: probably between €170,000 and €300,000.
Balance sheet
balance sheet total €849,457 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
49.3%
Higher than 64% of 19,803 companies in 2025.
3.15
Higher than 77% of 18,977 companies in 2025.
9.0%
Higher than 75% of 19,446 companies in 2025.
STEMATIC
Middle half of the sector
80% of the sector
Micro accounts in real estate (NACE 68)
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||
20/58 |
849,457 | 749,034 | 635,258 | 510,863 | 417,283 | 393,613 | 203,578 | 103,223 | |
21/28 |
685,510 | 649,665 | 553,519 | 406,005 | 276,000 | 298,182 | 116,239 | 23,268 | |
22/27 |
678,880 | 643,035 | 546,889 | 405,975 | 275,970 | 298,152 | 116,209 | 23,088 | |
22 |
662,583 | 631,814 | 534,081 | 394,875 | 269,148 | 285,968 | 98,530 | - | |
23 |
9,357 | 8,552 | 9,638 | 10,059 | - | - | - | - | |
24 |
1,626 | 2,474 | 2,941 | 778 | 6,524 | 11,852 | 17,678 | 23,088 | |
26 |
5,315 | 195 | 230 | 264 | 298 | 332 | - | - | |
28 |
6,630 | 6,630 | 6,630 | 30 | 30 | 30 | 30 | 180 | |
29/58 |
163,947 | 99,369 | 81,739 | 104,858 | 141,283 | 95,432 | 87,340 | 79,955 | |
40/41 |
35,100 | 20,143 | 33,645 | 1,232 | 3 | 3 | 22,197 | 12,890 | |
40 |
35,100 | 20,143 | 32,941 | - | - | - | 22,194 | 12,887 | |
41 |
- | - | 704 | 1,232 | 3 | 3 | 3 | 3 | |
54/58 |
128,848 | 79,227 | 48,094 | 103,626 | 141,280 | 95,428 | 65,143 | 67,065 | |
| Balance sheet: equity and liabilities | |||||||||
10/49 |
849,457 | 749,034 | 635,258 | 510,863 | 417,283 | 393,613 | 203,578 | 103,223 | |
10/15 |
418,767 | 342,732 | 286,740 | 239,656 | 193,374 | 165,203 | 130,984 | 84,224 | |
10/11 |
18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | |
13 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
130/1 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | |
1311 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
14 |
398,307 | 322,272 | 266,280 | 219,196 | 172,914 | 144,743 | 110,524 | 63,764 | |
17/49 |
430,690 | 406,302 | 348,519 | 271,208 | 223,909 | 228,410 | 72,594 | 18,999 | |
17 |
378,584 | 362,691 | 310,277 | 239,151 | 162,582 | 176,864 | 45,643 | - | |
170/4 |
378,584 | 362,691 | 310,277 | 239,151 | 162,582 | 176,864 | 45,643 | - | |
42/48 |
52,105 | 43,611 | 38,242 | 32,057 | 49,993 | 40,104 | 16,006 | 18,999 | |
42 |
35,194 | 30,969 | 25,919 | 20,456 | 14,282 | 14,129 | 4,357 | - | |
44 |
1,697 | 1,340 | 1,164 | 2,478 | 12,189 | 13,660 | 367 | 193 | |
440/4 |
1,697 | 1,340 | 1,164 | 2,478 | 12,189 | 13,660 | 367 | 193 | |
45 |
13,910 | 9,603 | 9,459 | 8,771 | 6,479 | 11,332 | 11,240 | 18,763 | |
450/3 |
11,112 | 9,603 | 9,459 | 8,771 | 6,479 | 11,332 | 11,240 | 18,763 | |
454/9 |
2,798 | - | - | - | - | - | - | - | |
47/48 |
1,303 | 1,699 | 1,699 | 352 | 17,043 | 983 | 43 | 43 | |
492/3 |
- | - | - | - | 11,334 | 11,442 | 10,944 | - | |
| Income statement | |||||||||
76A |
6,250 | - | - | - | - | - | - | - | |
9900 |
155,223 | 136,262 | 119,671 | 101,980 | 89,126 | 76,481 | 71,033 | 90,749 | |
630 |
45,434 | 53,438 | 50,340 | 35,606 | 22,840 | 29,694 | 10,262 | 6,968 | |
640/8 |
5,705 | 3,352 | 3,462 | 2,353 | 1,981 | 1,149 | 484 | 559 | |
9901 |
104,084 | 79,471 | 65,869 | 64,020 | 64,305 | 45,638 | 60,287 | 83,222 | |
75/76B |
438 | 179 | 0 | 48 | 4 | 755 | 25 | 0 | |
75 |
438 | 179 | 0 | 48 | 4 | 755 | 25 | 0 | |
65/66B |
9,923 | 8,699 | 5,916 | 6,354 | 2,431 | 2,058 | 819 | 99 | |
65 |
9,923 | 8,699 | 5,916 | 6,354 | 2,431 | 2,058 | 819 | 99 | |
9903 |
94,599 | 70,951 | 59,953 | 57,715 | 61,878 | 44,334 | 59,493 | 83,123 | |
67/77 |
18,564 | 14,959 | 12,869 | 11,433 | 13,707 | 10,115 | 12,733 | 17,499 | |
9904 |
76,035 | 55,992 | 47,084 | 46,282 | 48,171 | 34,219 | 46,761 | 65,624 | |
9905 |
76,035 | 55,992 | 47,084 | 46,282 | 48,171 | 34,219 | 46,761 | 65,624 | |
| Appropriation of the result | |||||||||
9906 |
398,307 | 322,272 | 266,280 | 219,196 | 192,914 | 144,743 | 110,524 | 65,624 | |
14P |
322,272 | 266,280 | 219,196 | 172,914 | 144,743 | - | - | - | |
691/2 |
- | - | - | - | - | - | - | 1,860 | |
6920 |
- | - | - | - | - | - | - | 1,860 | |
694/7 |
- | - | - | - | 20,000 | - | - | - | |
694 |
- | - | - | - | 20,000 | - | - | - | |
| Document | |||||||||
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 01-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 01-07-2026 | 2026-00230647 | |
| 31-12-2024 | micro format | 16-06-2025 | 2025-00140850 | |
| 31-12-2023 | micro format | 01-07-2024 | 2024-00186897 | |
| 31-12-2022 | micro format | 03-07-2023 | 2023-00205421 | |
| 31-12-2021 | micro format | 29-06-2022 | 2022-20121886 | |
| 31-12-2020 | micro format | 29-06-2021 | 2021-28200509 | |
| 31-12-2019 | micro format | 31-07-2020 | 2020-37900447 | |
| 31-12-2018 | micro format | 03-07-2019 | 2019-28400447 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| 149,518 | 132,909 | 116,209 | 99,626 | 87,145 | 75,332 | 70,549 | 90,190 | ||
| 121,469 | 109,430 | 97,424 | 81,888 | 71,011 | 63,913 | 57,022 | 72,592 | ||
| 81,278 | 149,584 | 197,854 | 165,611 | 658 | 211,637 | 103,382 | 30,237 | ||
| 49,621 | 31,133 | -55,532 | -37,654 | 45,852 | 30,286 | -1,922 | - | ||
| 111,842 | 55,758 | 43,498 | 72,801 | 91,290 | 55,328 | 71,333 | 60,955 | ||
| 49.3% | 45.8% | 45.1% | 46.9% | 46.3% | 42.0% | 64.3% | 81.6% | ||
| 3.15 | 2.28 | 2.14 | 3.27 | 2.83 | 2.38 | 5.46 | 4.21 | ||
| 1.03 | 1.19 | 1.22 | 1.13 | 1.16 | 1.38 | 0.55 | 0.23 | ||
| 18.2% | 16.3% | 16.4% | 19.3% | 24.9% | 20.7% | 35.7% | 77.9% | ||
| 9.0% | 7.5% | 7.4% | 9.1% | 11.5% | 8.7% | 23.0% | 63.6% | ||
| 15.07 | 15.28 | 19.64 | 15.68 | 35.85 | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €81,278 | €149,584 | €191,254 | €165,611 | €658 |
| Financial fixed assets | - | - | €6,600 | - | - |
| €45,434 | €53,438 | €50,340 | €35,606 | €22,840 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on STEMATIC
The operating result for 2025 is 31% higher than in 2024 and the highest since 2018. It is the third rise in a row, after the fall in 2022.
Debt's share of the balance-sheet total falls from 54.2% to 50.7%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationManager
appointed by deed of 05-01-2018
term without a fixed end
listed in the 2025 annual accounts, filed on 01-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each manager alonedeed of 05-01-2018
Mandates through the years
1 name, the dashed line is todayManager
Board
Mandates as a list
-
- Manager, appointed by deed of 05-01-2018, still in office
Control
Founders
,
This company
STEMATIC
Equity €418,767
Profit €76,035 in 2025
Capital
- Contribution
- €18,600
- Shares
- 186
- Contribution per share
- €100
- Equity per share
- €2,251 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 31-05-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs proportionnellement actions acquises, toute cession ou transmission actions ou autres titres donnant droit à…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- “Titre V. Assemblée générale Article 16. Tenue et convocation Il est tenu chaque année, au siège, une assemblée générale ordinaire le…”
Shareholders
At incorporation
deed of 05-01-2018 ↗
- founder
- 186 shares (100%) · €18,600
Capital transactions
Capital over time
- 31-05-2023 Converted to available equity
- 05-01-2018 Incorporation · €18,600 · 186 shares
Network & group
No group
STEMATIC has no parent and no holdings in its annual accounts. is the only director. STEMATIC shares no director with another company.
Timeline
Timeline
17 events since 2018Board
Filings
Financial
Establishments
20182020202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:0686989137
Annual accounts 2025 filed NBBmicro format · 30 days before the deadline
2025
Highest result from 2018 to 2025 net €76,035 ▲35.8% The operating result of €104,084 and the net result of €76,035 are both a record.
Annual accounts 2024 filed PDFmicro format · 45 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 30 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 28 days before the deadline
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments“L'achat,la vente,la revente,la location,l'activité de courtier en immeubles,la démolition,la…” (deed in French) · Director in office: · General meeting of 25-05-20232 points ▸
- General meeting, 25-05-2023
- Purpose change, “L'achat,la vente,la revente,la location,l'activité de courtier en immeubles,la démolition,la transformation,l'aménagement,la rénovation,le lotissement et la…” (deed in French)
- The deed holds 4 more points.
2022
Equity above €200,000 equity €239,656 ▲23.9% With a profit in every financial year since 2018, equity grows to €239,656.
Annual accounts 2021 filed PDFmicro format · 32 days before the deadline
2021
Annual accounts 2020 filed PDFmicro format · 32 days before the deadline
2020
Weakest financial year net €34,219 ▼26.8% The net result drops to €34,219, the lowest from 2018 to 2025. It recovers the following year.
Equity above €150,000 equity €165,203 ▲26.1% With a profit in every financial year since 2018, equity grows to €165,203.
Annual accounts 2019 filed PDFmicro format · on the deadline day
2019
Equity above €100,000 equity €130,984 ▲55.5% With a profit in every financial year since 2018, equity grows to €130,984.
Annual accounts 2018 filed PDFmicro format · 28 days before the deadline
2018
First establishment Rue Victor-Dewez,S.-St-L. 40, Fosses-la-Ville
IncorporationFounding capital of €18,600, 186 shares · Founder: · Appointment: (manager) · published on 05-01-20184 points ▸
- Founder,
- Capital, €18,600, 186 shares
- Founding capital, €18,600, 186 shares
- Director appointment, (manager)
- The deed holds 3 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0686.989.137
- VAT number
- BE 0686.989.137
- Peppol ID
- 0208:0686989137
- Other Peppol ID
- 9925:BE0686989137
- LEI code
- 984500E5DD4OBC80C271 no longer live in the LEI register
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-01-2018
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- “Titre V. Assemblée générale Article 16. Tenue et convocation Il est tenu chaque année, au siège, une assemblée générale ordinaire le…”deed of 31-05-2023 (in French)
- Peppol
- Reachable since 05-11-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- STEMATIC in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 31-05-2023 (in French)
Activities
NACEBEL 202568201
Renting and operating of own or leased residential real estate, excluding social housing main activity
62100
Computer programming
Codes under NACEBEL 2008
68201
Real estate activities main activity
62010
Computer programming, consultancy and related activities
62020
IT consultancy
62030
Computer programming, consultancy and related activities
62090
Computer programming, consultancy and related activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Le conseil en informatique,en télécommunication,en électronique et en management; La conception et le développement de projets électroniques…”deed of 31-05-2023 (in French)
20 activities
- Le conseil en informatique,en télécommunication,en électronique et en management
- La conception et le développement de projets électroniques et de produits technologiques
- Le développement de logiciels,de sites internet et d'applications
- La conception et le développement de banc de test et de production
- Le développement et la programmation de systèmes embarqués
- La recherche et le développement en ingénierie et informatique
- La fabrication et la production de cartes électroniques
- La vente,en ce compris la vente en ligne,et la conception de produits électroniques pour les particuliers ou les sociétés
- Tous travaux de graphismes et illustrations(création graphique)
- L'investissement dans des achats/construction d'infrastructures sportives,ainsi que la location de telles infrastructures
- Toutes activités(investissement,prestations,locations,etc.)dans le domaine musical(notamment la location de matériel sono)
- Toutes activités dans le domaine des publicités et de la communication
- L'étude,le conseil,l'expertise et l'ingénierie dans les domaines précités
- L'étude,l'obtention,l'achat,la cession,la rétrocession,l'exploitation,la vente,la concession de tous brevets,licences de brevet,marques de fabrique,dessins,modèles,procédés,formules et secrets de fabrication concernant les activités ci-avant relatées
- L'exploitation commerciale de toutes affaires dérivant ou se rattachant directement ou indirectement aux activités visées ci-dessus
- L'organisation d'évènements,d'ateliers et de formations dans les domaines précités
- L'achat,la vente,la revente,la location,l'activité de courtier en immeubles,la démolition,la transformation,l'aménagement,la rénovation,le lotissement et la gestion pour compte propre ou compte de tiers,de tous biens immeubles,anciens ou neufs,bâtis ou non
- La mise en valeur de tous biens immobiliers et notamment la création de lotissements et le développement de ceux-ci
- La gestion de tout patrimoine immobilier avec lotissement,démolition,acquisition,construction,aménagement,rénovation,transformation,location,location-vente,location-financement,sous-location,échange,entretien,réparation,concession,cession ou apport de tout droit réel,plein ou démembré,et vente d'immeubles en pleine propriété ou démembrée,exécution travaux et récupération frais,encaissement recettes et loyers,représentation en justice,intermédiation et négociation et conclusion contrats d'entretien,assurances ou autres
- Acquérir en pleine propriété ou démembrement,créer,louer,donner en location,exploiter,transformer,pratiquer location-financement,vendre immeubles,usines,carrières,magasins,établissements,matériels,moteurs et machines utiles,et brevets,licences,procédés,secrets et marques
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Victor-Dewez,S.-St-L. 40 registered office 5070 Fosses-la-Ville 62100 Computer programming | 10-01-2018 | 2.271.330.224 |
Buildings and parcels at the address
- Ground area
- 1,357 m²
- Buildings
- 163 m²
- Volume, LiDAR
- 858 m³
- Tallest building
- 7.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 92111E0346/00K000 | 1,357 m² | 1 · 163 m² | 7.8 m · 2 |