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STI Automobile

Active
Private limited companyfounded 2005active for 21 yearsChaussée de Nivelles(TX) 298, 5020 Namur, BelgiumKBO/BCE: BE 0872.480.950
Summary

STI Automobile has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €746,543 and a net result of €115,817. Equity is growing by about 34% per year across the filed financial years. Its solvency ranks better than 59% of 22,576 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisFollow ReportCompare
STI AutomobileActiveChecked score 70/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
1 site
Size
€1.7mtotal assets 2025
Equity
€746,543
Profit
€115,817
Turnover not published (micro format)
Financial health
70 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.7%
Structure
2025 accounts filed 18 days late1 of 3 deeds summarised
Why 70raises riskFigures for financial year 2025 (filed 18-11-2025)Last filed accounts filed 18 days late; 2 of the last 3 lateLiquidity: current ratio 1.75, cash €31,826lowers riskSize: total assets €1.7mShow the evidence

Checked score

Score 2025
70 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 54% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 69+1
equity 43.7% of total assets
Liquidity 23+2
short-term debt 56.3% · cash 1.9%
Profitability 77-1
return on assets 6.8%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,242 companies, NACE 47, micro)
Last 24 months 11-2024: 11.9%highest value 12-2024: 11.9%● unchanged vs 11-2024highest value 01-2025: 11.9%● unchanged vs 12-2024highest value 02-2025: 11.9%● unchanged vs 01-2025highest value 03-2025: 11.9%● unchanged vs 02-2025highest value 04-2025: 0.7%▼ -11.2 percentage points vs 03-2025 05-2025: 0.8%▲ +0.1 percentage points vs 04-2025 06-2025: 0.8%● unchanged vs 05-2025 07-2025: 0.8%● unchanged vs 06-2025 08-2025: 0.8%● unchanged vs 07-2025 09-2025: 0.8%● unchanged vs 08-2025 10-2025: 1.0%▲ +0.2 percentage points vs 09-2025 11-2025: 1.4%▲ +0.4 percentage points vs 10-2025 12-2025: 0.3%▼ -1.1 percentage points vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026lowest value 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.7%▲ +0.3 percentage points vs 09-2026
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.75, compared with 1.72 in 2024, above the usual 1.5; short-term debt: 56.3% and cash: 1.9% of total assets), but 56.3% 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 47, micro): better than 58% on solvency, 21% on liquidity, 66% on profitability and 71% 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).

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Signals

Five signals.
lowers riskraises risk
raises risk · Figures for financial year 2025 (filed 18-11-2025)
NBB · annual accounts
lowers risk · Size: total assets €1.7m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Last filed accounts filed 18 days late; 2 of the last 3 late
NBB · filings
raises risk · Liquidity: current ratio 1.75, cash €31,826
NBB · annual accounts
raises risk · 2025 accounts filed 18 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 18-11-2025, 18 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
18 days late
2024
131 days late
2021
321 days late
2020
685 days late
2018
92 days late
2017
83 days late
2016
22 days late
← 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 193 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-03-2026 is due by 31-10-2026. Nothing is late today. The company usually files around 11 March (4 of the last 5 filed years within 190 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-03-2026 year end26-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Equity above €500,000equity €630,726 ▲245%

Key points

  • Positive: Among the best 5% on net resultsector median €5,085 · 22,557 companies €115,817 View
  • Board2 directors in office 2 View
  • Total assets 20254 financial years filed €1.7m View

By topic

Financials

Financial year
2025
Total assets
€1.7m
Profit
€115,817
Solvency
43.7%
Total assets▲ 16.5%
Net result
20202025
Go to Financials

Timeline

Events
20
Since
2007
Next accounts
by 31-10-2026
  1. 28-12-2023Resignations: BELA Avni (director) and KULJICI Nevdzat…
  2. 17-09-2022Annual accounts filed
  3. 16-09-2022Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
14-03-2005
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

Key facts about STI Automobile

What is the company number of STI Automobile?
0872.480.950. In Belgium the VAT number is the company number with BE in front: BE 0872.480.950.
Where is STI Automobile based?
The registered office is at Chaussée de Nivelles(TX) 298, 5020 Namur.Company details
What does STI Automobile do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of STI Automobile?
Private limited company (BV).
When was STI Automobile founded?
On 14-03-2005.
Is STI Automobile still active?
Yes, STI Automobile is an active enterprise in the KBO register.
What is the turnover of STI Automobile?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is STI Automobile profitable?
In financial year 2025, STI Automobile made a profit of €115,817.
Where can I find the annual accounts of STI Automobile?
STI Automobile filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of STI Automobile due?
By 31-10-2026, for financial year 2026.Timeline

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