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Stijn M

Active
Private limited companyfounded 20224 yrs activeBruul 56, 2440 Geel, BelgiumKBO/BCE: BE 0786.639.514
Summary

Stijn M has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,187 and a net result of €301. Equity is shrinking by ~325.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 17% of 33943 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisWatch ReportCompare
Stijn MActiveChecked score 64/100
Risk analysis ReportCompare

Overview

Activity
Joinery installation
NACE 43320
1 site
Size
€14,827total assets 2025
Equity
€2,187
Profit
€301
Turnover not published (abridged schema)
Financial health
64 Healthy Checked score 2025
Bankruptcy chance 12 m
1.2%
Structure
Accounts 8 d early0 of 1 deed read
Why 64- Founded in 2022- Sector Specialised construction activities (NACE 43)- Equity €2,187 (14.7% of total assets)+ Liquidity: current ratio 1.04, cash €2,095Show the evidence

Checked score

Score 2025
64 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 33% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 40-2
equity 14.7% of total assets
Liquidity 21+4
short-term debt 85.3% · cash 14.1%
Profitability 71+71
return on assets 2.0%
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 0.7% (47,515 companies)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● 0.0% vs 11-2024 01-2025: 0.7%▼ -1.1% vs 12-2024 02-2025: 0.7%▼ -3.4% vs 01-2025lowest value 03-2025: 0.7%▲ +3.0% vs 02-2025 04-2025: 0.8%▲ +4.4% vs 03-2025 05-2025: 0.8%▲ +8.2% vs 04-2025 06-2025: 0.8%▲ +0.2% vs 05-2025 07-2025: 0.9%▲ +4.7% vs 06-2025 08-2025: 2.0%▲ +129% vs 07-2025 09-2025: 2.0%▲ +0.9% vs 08-2025highest value 10-2025: 2.0%● 0.0% vs 09-2025highest value 11-2025: 2.0%● 0.0% vs 10-2025highest value 12-2025: 2.0%● 0.0% vs 11-2025highest value 01-2026: 2.0%▼ -1.0% vs 12-2025 02-2026: 1.6%▼ -17.6% vs 01-2026 03-2026: 1.6%▼ -0.9% vs 02-2026 04-2026: 1.7%▲ +2.5% vs 03-2026 05-2026: 1.6%▼ -1.3% vs 04-2026 06-2026: 1.7%▲ +2.2% vs 05-2026 07-2026: 1.8%▲ +6.6% vs 06-2026 08-2026: 1.2%▼ -29.9% vs 07-2026 09-2026: 1.2%● 0.0% vs 08-2026 10-2026: 1.2%● 0.0% vs 09-2026
  • Founded in 2022 raises the probability for this profile
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Equity €2,187 (14.7% of total assets) raises the probability
  • Liquidity: current ratio 1.04, cash €2,095 lowers the probability
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 43, micro). Better than this share of them on solvency 17%, liquidity 11%, profitability 40%, growth against the median 63%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Founded in 2022
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Equity €2,187 (14.7% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.04, cash €2,095
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 33943 sector peers (2025).
NBB · sector comparison
Position among 33943 sector peers
Solvency
better than 17%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
8 d early
2024
2 d early
2023
26 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 23 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 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 · micro…
  2. Back to profitnet €301
  3. Liquidity quadruplescurrent ratio 1.04

Key points

  • Caution: Among the weakest 10% on equitysector median €57,672 · 33,955 companies €2,187 View
  • Total assets 20253 fiscal years filed €14,827 View
  • Active since 2022founded 30-05-2022 4 years View

By topic

Financials

Fiscal year
2025
Total assets
€14,827
Profit
€301
Solvency
14.7%
Total assets▲ 34.8%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2024
Next accounts
by 31-07-2027
  1. 23-07-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 31-12-2025Liquidity quadruples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Joinery installationNACE 43320
Founded
30-05-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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