Equity
€776,825 ▲ 15.4%
STIM has made a profit without a break since 2017.
STIM
Lifetime
16 annual accounts with figures on one time axispeak €1.2m (2024)
€1.2m▼ 4.4%
lowest -€167,562 (2012)
€303,429▼ 11.9%
peak €776,825 (2025)
€776,825▲ 15.4%
€928,111▼ 3.5%
peak 18.1 FTE (2022)
16.8 FTE▲ 2.4%
Board3 names since 2020
2 directorsZIBO and 1 other
Owners2 names in the annual accounts
100%ZIBO
Documentsfilings and deeds
25-08-202625 days late
2025abbreviated format
Equity from €673,395 to €776,825Cash from €301,015 to €451,547
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 78% of small companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,697 companies (NACE 47, small).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.7%▲ +0.3 percentage points vs 07-2025highest value
09-2025: 0.2%▼ -0.5 percentage points vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.3 percentage points vs 07-2026
09-2026: 0.1%▼ -0.4 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 1.42, cash €451,547
Founded in 2009
Equity €776,825 (45.6% of total assets)
Profit of €303,429 (financial year 2025)
Calculation
The band follows from the bankruptcy probability. 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, small). It does better than 67% of them on solvency, 78% on liquidity, 93% on profitability and 73% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,811 companies had the same profile as STIM has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of STIM itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 17,811 companies, not a prediction for STIM. 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 of up to €75,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.42 (1.29 in 2024), below the usual 1.5. Short-term debt is 49.6% and cash 26.5% of total assets. 54.4% of the assets are financed with debt and provisions.
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
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 filingsDeviation from the deadline
2025
25 days late
2024
7 days late
2023
22 days late
2022
29 days late
2021
25 days late
2020
12 days late
2019
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 21 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- ZIBO 100%equity €965,795 (2025) · 30-09-2025 annual accounts of ZIBO
- MABRI 80%score 95equity €3.5m (2025) · 2021 annual accounts of MABRI
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0812388757
1 manager resigning
Changes of role: ANTHONIS Tim (director) and ZIBO (director) · Resignation: STOUTEN Steven (statutory manager) · Permanent representative: STOUTEN Steven · General meeting of 11-05-2022 · Gazette deed
1 director appointed, 1 resignation
Resignation: STOUTEN Steven · Appointment: ZIBO · Permanent representative: STOUTEN Steven · General meeting of 01-04-2020 · Gazette deed
First establishment
SPAR SCHRIEK, Leo Kempenaersstraat 32, Heist-op-den-Berg
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STIM Heist-op-den-Berg | €1.7m | €1.2m | 45.6% | 16.8 |
| LEPERS-VAN DONGEN Putte | €1.5m | €1.2m | 16.6% | 17.2 |
| DAM-MARKET Antwerp | €1.7m | €1.0m | 56.3% | 16.7 |
| marCoen Boortmeerbeek | €1.5m | €1.2m | 39.6% | 16.1 |
| MF BEAUFAYS Chaudfontaine | €1.6m | €1.4m | 9.4% | 16.3 |
| KOPIAM Brussels | €2.1m | €1.0m | 5.1% | 17.8 |
| RUSKI Halle | €1.8m | €1.1m | 25.1% | 19.7 |
These companies have the same main activity as STIM: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €1.5m and €2.1m, founded between 2007 and 2010.
Official details
Source: KBO- Status
- Active since 17-06-2009Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110
- Joint committees
- 119Food trade
- 201Independent retail · annual accounts 2024
- Establishment unit
- 2.178.967.0222223 Heist-op-den-Berg, since 01-07-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- ≈ €7.9mestimated
- €1.7m▲ 4.3%
- Employeeson 31-12-2025
- 17▼ 15.0%
- Filing
- Filed on 25-08-2026
Insights on STIM
STIM files the abbreviated format. That format states no turnover. The gross margin rose from €211,226 in 2010 to €1.2m in 2025.
The balance sheet grew most from 2011 to 2013 through fixed assets.
ZIBO holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STIM
- What is the company number of STIM?
- The company number of STIM is 0812.388.757. The VAT number is the same number with BE in front: BE 0812.388.757.
- Where is STIM based?
- The registered office is at Leo Kempenaersstraat 40, 2223 Heist-op-den-Berg.Company details
- What does STIM do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of STIM?
- STIM is a private limited company (BV).
- When was STIM founded?
- STIM was founded on 17-06-2009.
- Is STIM still active?
- Yes, STIM is an active enterprise in the KBO register.
- How many employees does STIM have?
- STIM had an average of 16.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does STIM fall under?
- In its 2024 annual accounts, STIM states joint committees 119 (Food trade) and 201 (Independent retail).
- What is the turnover of STIM?
- The turnover in financial year 2025 is ≈ €7.9m. This figure is estimated from the gross margin of €1.2m and 30 comparable companies (NACE 471). It probably lies between €4.9m and €9.6m.
- Is STIM profitable?
- In financial year 2025, STIM made a profit of €303,429.
- Where can I find the annual accounts of STIM?
- STIM filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STIM due?
- STIM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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