Stemco
ActiveSummary
Stemco has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €275,751 and a net result of €109,918. Equity is growing by about 69% per year across the filed financial years. Its solvency ranks better than 95% of 9,617 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Equity
- €275,751
- Profit
- €109,918
Why 98raises riskFounded in 2023lowers riskSector: Office administrative, office support and other business support activities (NACE 82)Liquidity: current ratio 26.69, cash €40,674Equity €275,751 (96.3% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 82, micro): better than 88% on solvency, 62% on liquidity, 87% on profitability and 83% on growth.
The bankruptcy probability was computed on 24-10-2026 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).
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Signals
This company filed its last 3 accounts on average 10 days before the deadline; the sector median (NACE 82) for financial year 2024 is 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Liquidity more than triplescurrent ratio 26.69
- Equity above €200,000equity €275,751 ▲66.3%
Financials · financial year 2025, micro format
2023 to 2025, 3 financial years
The operating result falls in 2025; 2025 is 8% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 82, Office administrative, office support and other business support activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.8% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,474 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €124 | €499 | €904 | ▲ 81.0% |
| Other operating charges640/8 | €117 | - | - | - |
| Gross operating margin9900 | €57,794 | €163,181 | €150,435 | ▼ 7.8% |
| Operating profit (loss)9901 | €57,553 | €162,682 | €149,532 | ▼ 8.1% |
| Financial income75/76B | - | €783 | - | - |
| Recurring financial income75 | - | €783 | - | - |
| Financial charges65/66B | €378 | €2,237 | €2,031 | ▼ 9.2% |
| Recurring financial charges65 | €378 | €2,237 | €2,031 | ▼ 9.2% |
| Profit (loss) for the period before taxes9903 | €57,175 | €161,228 | €147,501 | ▼ 8.5% |
| Income taxes67/77 | €14,407 | €40,663 | €37,582 | ▼ 7.6% |
| Profit (loss) for the period9904 | €42,768 | €120,565 | €109,918 | ▼ 8.8% |
| Profit (loss) for the period to be appropriated9905 | €42,768 | €120,565 | €109,918 | ▼ 8.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €65,930 | €191,174 | €286,398 | ▲ 49.8% |
| Fixed assets21/28 | €2,366 | €3,084 | €2,180 | ▼ 29.3% |
| Tangible fixed assets22/27 | €2,366 | €3,084 | €2,180 | ▼ 29.3% |
| Plant, machinery and equipment23 | €2,366 | €1,868 | €1,370 | ▼ 26.7% |
| Furniture and vehicles24 | - | €1,216 | €810 | ▼ 33.4% |
| Current assets29/58 | €63,564 | €188,090 | €284,218 | ▲ 51.1% |
| Amounts receivable within one year40/41 | €34,525 | €30,613 | €42,075 | ▲ 37.4% |
| Trade receivables40 | €34,525 | €30,613 | €39,658 | ▲ 29.5% |
| Other amounts receivable41 | - | - | €2,418 | - |
| Current investments50/53 | - | €100,546 | €200,546 | ▲ 99.5% |
| Cash at bank and in hand54/58 | €29,039 | €56,178 | €40,674 | ▼ 27.6% |
| Deferred charges and accrued income490/1 | - | €754 | €923 | ▲ 22.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €65,930 | €191,174 | €286,398 | ▲ 49.8% |
| Equity10/15 | €45,268 | €165,833 | €275,751 | ▲ 66.3% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | = |
| Reserves13 | €42,768 | €163,333 | €273,251 | ▲ 67.3% |
| Distributable reserves133 | €42,768 | €163,333 | €273,251 | ▲ 67.3% |
| Amounts payable17/49 | €20,662 | €25,341 | €10,647 | ▼ 58.0% |
| Amounts payable within one year42/48 | €20,662 | €25,341 | €10,647 | ▼ 58.0% |
| Trade debts44 | €265 | €1,610 | €193 | ▼ 88.0% |
| Suppliers440/4 | €265 | €1,610 | €193 | ▼ 88.0% |
| Taxes, remuneration and social security45 | €20,397 | €23,726 | €10,408 | ▼ 56.1% |
| Taxes450/3 | €20,397 | €23,726 | €10,408 | ▼ 56.1% |
| Other amounts payable47/48 | - | €5 | €46 | ▲ 861% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €42,768 | €120,565 | €109,918 | ▼ 8.8% |
| + Depreciation and write-downs630 | €124 | €499 | €904 | ▲ 81.0% |
| Operating cash flow (approximation) | €42,892 | €121,064 | €110,822 | ▼ 8.5% |
| Investment in fixed assets (approximation) | - | -€1,217 | €0 | - |
| Change in cash | - | €27,139 | -€15,504 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 29-07-2026 | 2026-00367100 |
| 31-12-2024 | micro format | 18-07-2025 | 2025-00310619 |
| 31-12-2023 | micro format | 15-07-2024 | 2024-00264201 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| MEDLAND Stefaan |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
29-08
Gazette deed
IncorporationAppointment: MEDLAND Stefaan (bestuurder) · Founder · Founding capital9 facts ▸
- Incorporation, “Stemco” (deed in Dutch)
- Founder, MEDLAND Stefaan
- Founding capital, €2,500
- Other provision, “vaststelling statuten, statuten vaststellen” (deed in Dutch)
- Board rule, 1
- Director appointment, MEDLAND Stefaan ((statutair) bestuurder)
- Registered office clause, “3010 Leuven (Kessel-Lo),Bergstraat 127” (deed in Dutch)
- Director appointment, MEDLAND Stefaan (statutory director)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en alle activiteiten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24051B0004/00M002 | Flanders | 564 m² | 1 · 149 m² | 10.3 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Advies en consulting aan bedrijven,privé-personen en organisaties in de openbare en privé sector in de meest ruime zin van het woord…” (deed in Dutch)
15 activities (deed in Dutch)
- Advies en consulting aan bedrijven,privé-personen en organisaties in de openbare en privé sector in de meest ruime zin van het woord ondermeer in financiële,handels-,fiscale- en andere aangelegenheden.
- Management Consultant:Project management,Interim Manager,advies,informatie en ondersteuning verlenen op administratief,financieel,organisatorisch,commercieel,informatica,technisch,productie,personeel,strategisch en public relations en communicatie vlak.Onder meer i.v.m.reorganisaties,overnames en fusies en automatiseringsprojecten.Het begeleiden en uitwerken van projecten binnen organisaties.Kortom,alle advies,informatie en ondersteuning voor zelfstandigen,vennootschappen,bestuurders,verengingen,openbare bestuursorganen,internationale instelling enzovoort…
- Headhunting,zoeken van werknemers in opdracht van bedrijven.
- Het verlenen van diensten met betrekking tot de invulling van personeel.
- Zoeken van freelancers in opdracht van bedrijven en tussenbedrijf tussen deze freelancers en de opdrachtgevers.Het uitoefenen van detacheringsopdrachten.
- Aanwerven van IT experten en deze uitverhuren aan bedrijven en het verkopen en implementeren van IT oplossingen(mede bestaande uit hardware,software en IT expertise).
- Het organiseren van vorming en opleiding voor personeel en management,zowel residentieel als op de werkplek.Organiseren,geven en deelnemen aan/van cursussen,seminaries en presentaties.
- Huren,verhuren en onderverhuren van gebouwen,plaatsen,ruimten en goederen in de meest ruime zin.
- Alle handelingen op vlak van vastgoed en immobiliën(aankoop,verkoop,ruil,beheer,verhuur leasing en alle andere technieken om onroerende goederen te verwerven,te verhandelen en zo meer.
- Het ontwikkelen,kopen,verkopen,het in licentie geven van octrooien,exclusieve en andere rechten,know-how en andere aanverwante immateriële vaste activa.
- Het verwerven(op eender welke manier)en/of aanhouden van deelnemingen in ondernemingen en het beheren van deelnemingen in ondernemingen.Participeren in andere bedrijven/Het verwerven van participaties in eender welke vorm in alle bestaande of nog op te richten rechtspersonen en vennootschappen,het stimuleren,de planning,de coördinatie van de ontwikkeling en investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt;
- In de Raad van Bestuur van andere bedrijven:-Het tussenkomen in het dagelijks bestuur en het vertegenwoordigen van bedrijven door onder meer het uitoefenen van mandaten van bestuurder,zaakvoerder,directeur of vereffenaar;Het uitoefenen van een bestuursmandaat of mandaat van vereffenaar in andere ondernemingen,het verlenen van managementprestatie.
- De aan- en verkoop,in- en uitvoer,commissiehandel en vertegenwoordiging van om het even welke goederen,in ’t kort tussenpersoon in de handel;
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend patrimonium,alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties,kasbons of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten rechtspersonen en ondernemingen;
- Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren,onder om het even welke vorm;in dit kader kan zij alle handels- en financiële operaties verrichten behalve deze die wettelijk voorbehouden zijn aan depositobanken,houders van deposito’s op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatieondernemingen.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Stemco
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Eenvoudige beslissing, Vlaams Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Algemene vergadering bepaalt aantal,duur en bij meerdere bevoegdheid, met of zonder beperking” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam, register van aandelen op naam” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft koper(s) naar evenredigheid aantal bij meer kopers, elke overdracht onder levenden ten bezwarende of kosteloze…” (deed in Dutch)
- Share issue ruleHow and by whom new shares can be issued.
- “Ten minste vijftien dagen, voorkeurrecht bij inbreng in geld met nieuwe aandelen” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- 30 June at 21:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, algemene vergadering” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Een of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen, bestuurder(s) in functie krachtens statuten indien geen…” (deed in Dutch)