STIM LIEGE

Active

Private limited companyfounded 20242 yrs activeRue Lambert-Lombard 1, 4000 Liège, BelgiumKBO/BCE: BE 1012.223.209

STIM LIEGE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €35k and a net result of €35k. Its solvency ranks better than 18% of 310 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).

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Checked score

Score 2024

58 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability72

Solvency29

Growth-

Track record67

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity ample (current ratio 2.81; short-term debt: 25.9% and cash: 12.6% of total assets), but 96.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 59

Relative position

BE, all sectors

reference

Sector 59

lower

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

3.9%

Return on assets

3.8%

Age of the figures

20 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 310 sector peers (2024).

NBB · sector comparison

Position among 310 sector peers

Solvency

better than 18%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 1 filing

Deviation from the deadline

2024

25 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, abbreviated schema

Turnover

€520k

EBIT margin

9.2%

Net result

€35k

Working capital

€425k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition

Assets €903k

27.0%

73.0%

Fixed assets €244k

Current assets €659k

Equity and liabilities €903k

96.1%

Equity €35k

Debt €868k

Debt finances 96.1% of the balance-sheet total.

Key figures and ratios

2024 value

EBITDA

€63k

Cash flow

€50k

Solvency

3.9%

Current ratio

2.81

Quick ratio

2.81

Debt / equity

24.72

ROE

98.6%

ROA

3.8%

Interest coverage

144.05

Debt

€868k

Debt ≤ 1 year

€234k

Income taxes

€13k

Staff costs

€195k

Filed annual accounts

As filed with the NBB · 2024

Balance sheet Code2024

Assets

Total assets20/58€903k

Fixed assets21/28€244k

Intangible fixed assets21€105k

Tangible fixed assets22/27€128k

Furniture and vehicles24€128k

Financial fixed assets28€11k

Current assets29/58€659k

Amounts receivable within one year40/41€494k

Trade receivables40€484k

Other amounts receivable41€10k

Cash at bank and in hand54/58€114k

Deferred charges and accrued income490/1€51k

Equity and liabilities

Total equity and liabilities10/49€903k

Equity10/15€35k

Contributions10/11€500

Profit (loss) carried forward14€35k

Amounts payable17/49€868k

Amounts payable within one year42/48€234k

Trade debts44€52k

Suppliers440/4€52k

Taxes, remuneration and social security45€182k

Taxes450/3€133k

Remuneration and social security454/9€48k

Other amounts payable47/48€86

Accrued charges and deferred income492/3€634k

Income statement Code2024

Turnover70€520k

Goods, raw materials, services and sundry goods60/61€266k

Remuneration, social security and pensions62€195k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k

Gross operating margin9900€258k

Operating profit (loss)9901€48k

Financial income75/76B€604

Recurring financial income75€604

Financial charges65/66B€435

Recurring financial charges65€435

Profit (loss) for the period before taxes9903€48k

Income taxes67/77€13k

Profit (loss) for the period9904€35k

Profit (loss) for the period to be appropriated9905€35k

Appropriation of the result

Profit (loss) to be appropriated9906€35k

Social balance

Average headcount (FTE)90874.1

The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2025

25-08

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 25 days late

NBB filing

Directors · office · real estate

Directors

no sitting director, no change since 2024

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

01-09-2024 Resigned as Manager

Location & real-estate footprint

Registered office, Liège · 1 establishment unit since 2024

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue Lambert-Lombard 14000 Liège

Ground area

258 m²

Building footprint

349 m²

Volume, LiDAR