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STEMICO

Active
Private limited companyfounded 201312 yrs activeVijfseweg 3, 8790 Waregem, BelgiumKBO/BCE: BE 0543.487.733
Summary

STEMICO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €491,077 and a net result of €104,410. Equity is growing by ~34.3% per year across the filed fiscal years. Its solvency ranks better than 28% of 9624 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
STEMICOActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Wholesale trade
NACE 46421Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716
1 site
Size
€2.3mtotal assets 2025
Staff
1.9 FTE
Equity
€491,077
Profit
€104,410
Turnover not published (abridged schema)
Financial health
89 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts 22 d early0 of 3 deeds read
Why 89- Equity €491,077 (21.7% of total assets)+ Size: 1.9 FTE, total assets €2.3m+ Figures for FY 2025 (filed 13-01-2026)+ Founded in 2013Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Better than 54% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 47+5
equity 21.7% of total assets
Liquidity 46+5
short-term debt 32.3% · cash 7.8%
Profitability 74=
return on assets 4.6%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%▼ -2.6% vs 11-2024 01-2025: 0.5%● 0.0% vs 12-2024 02-2025: 0.5%● 0.0% vs 01-2025 03-2025: 0.5%● 0.0% vs 02-2025 04-2025: 0.5%● 0.0% vs 03-2025 05-2025: 0.5%● 0.0% vs 04-2025 06-2025: 0.5%● 0.0% vs 05-2025 07-2025: 0.5%● 0.0% vs 06-2025 08-2025: 0.2%▼ -45.9% vs 07-2025 09-2025: 0.2%▼ -1.2% vs 08-2025 10-2025: 0.2%▼ -2.5% vs 09-2025 11-2025: 0.2%▲ +5.1% vs 10-2025 12-2025: 0.3%▲ +36.9% vs 11-2025 01-2026: 0.5%▲ +51.6% vs 12-2025highest value 02-2026: 0.2%▼ -64.0% vs 01-2026 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.2%● 0.0% vs 03-2026 05-2026: 0.2%● 0.0% vs 04-2026 06-2026: 0.2%● 0.0% vs 05-2026 07-2026: 0.2%● 0.0% vs 06-2026 08-2026: 0.2%● 0.0% vs 07-2026 09-2026: 0.2%▼ -1.1% vs 08-2026lowest value 10-2026: 0.2%▲ +12.0% vs 09-2026
  • Size: 1.9 FTE, total assets €2.3m lowers the probability for this profile
  • Figures for FY 2025 (filed 13-01-2026) lowers the probability
  • Founded in 2013 lowers the probability for this profile
  • Equity €491,077 (21.7% of total assets) raises the probability
Credit up to €40,000 at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.73 in 2024; short-term debt: 32.3% and cash: 7.8% of total assets), and 78.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 33%, liquidity 44%, profitability 60%, growth against the median 80%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: 1.9 FTE, total assets €2.3m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 13-01-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2013
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Equity €491,077 (21.7% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-01-2026, 22 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
22 d early
2024
149 d early
2023
128 d early
2022
32 d early
2021
40 d early
2020
47 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 66 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 22 December (4 of the last 5 filed years within 88 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close05-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €104,410 7 years View
  • Positive: Equity rose in 2025from €386,667 to €491,077 ▲ 27.0% View

By topic

Financials

Fiscal year
2025
Total assets
€2.3m
Profit
€104,410
Solvency
21.7%
Total assets▼ 0.8%
Net result
20192025
Go to Financials

Timeline

Events
15
Since
2016
Next accounts
by 31-01-2027
  1. 09-01-2026Annual accounts filed
  2. 04-09-2024Annual accounts filed
  3. 25-09-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale tradeNACE 46421
Founded
20-12-2013
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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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 other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark

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