STIN DE CUYPER

Active

Private limited companyfounded 2015active for 10 yearsMoutstraat(HAL) 6, 2220 Heist-op-den-Berg, BelgiumKBO/BCE: BE 0645.822.436

Summary

The computed 12-month bankruptcy probability of STIN DE CUYPER is 5.5% (elevated). The 2025 annual accounts show negative equity (-€364,035) and a net result of -€125,224. Equity remains stable across the filed financial years (±2.1% per year). Its solvency ranks better than 5% of 3,264 sector peers (NACE 95, financial year 2025). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

STIN DE CUYPERActiveChecked score 34/100

Risk analysis Report Compare

Activity

Washing and cleaning of motor vehicles

NACE 95316

1 site

Size

€181,427total assets 2025

Staff: 1 FTE
Equity: -€364,035
Loss: -€125,224

Turnover not published (micro format)

Financial health

34 Weak Checked score 2025

Bankruptcy probabilitywithin 12 months: 5.5%

Structure

DE CUYPER Stefan RobertDirector
SCHECHTER Ingrid Marcella FloraDirector

2025 accounts filed 60 days late2 of 4 deeds summarised

Why 34raises riskLoss of €125,224 (financial year 2025)Negative equity -€364,0351 change of registered office in 24 monthsLast filed accounts filed 60 days late; 1 of the last 3 lateShow the evidence

Checked score

Score 2025

34 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 8% of its sector peers (NACE 95, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 0=

equity -200.7% of total assets

Liquidity 17+11

short-term debt 226.0% · cash 13.4%

Profitability 0-70

return on assets -69.0%

Bankruptcy probability, 12 months

5.5% Elevated

0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (5,121 companies, NACE 95, micro)

Last 24 months 11-2024: 1.2% 12-2024: 1.2%● unchanged vs 11-2024 01-2025: 1.2%● unchanged vs 12-2024 02-2025: 1.2%● unchanged vs 01-2025 03-2025: 1.1%▼ -0.1 percentage points vs 02-2025 04-2025: 1.2%▲ +0.1 percentage points vs 03-2025 05-2025: 1.2%● unchanged vs 04-2025 06-2025: 1.1%▼ -0.1 percentage points vs 05-2025 07-2025: 1.2%▲ +0.1 percentage points vs 06-2025 08-2025: 1.6%▲ +0.4 percentage points vs 07-2025 09-2025: 0.9%▼ -0.7 percentage points vs 08-2025lowest value 10-2025: 1.9%▲ +1.0 percentage point vs 09-2025 11-2025: 1.9%● unchanged vs 10-2025 12-2025: 1.9%● unchanged vs 11-2025 01-2026: 1.9%● unchanged vs 12-2025 02-2026: 1.9%● unchanged vs 01-2026 03-2026: 1.8%▼ -0.1 percentage points vs 02-2026 04-2026: 1.9%▲ +0.1 percentage points vs 03-2026 05-2026: 2.4%▲ +0.5 percentage points vs 04-2026 06-2026: 2.0%▼ -0.4 percentage points vs 05-2026 07-2026: 2.1%▲ +0.1 percentage points vs 06-2026 08-2026: 3.0%▲ +0.9 percentage points vs 07-2026 09-2026: 3.8%▲ +0.8 percentage points vs 08-2026 10-2026: 5.5%▲ +1.7 percentage points vs 09-2026highest value

No credit on open account

Liquidity insufficient (current ratio 0.13, compared with 0.13 in 2024, below 1; short-term debt: 226% and cash: 13.4% of total assets), and equity is negative.

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 95, micro): better than 6% on solvency, 12% on liquidity, 5% on profitability and 9% on growth.

The bankruptcy probability was computed on 24-10-2026 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

Six signals.

raises risk

Loss of €125,224 (financial year 2025)

NBB · annual accounts

Negative equity -€364,035

NBB · annual accounts

1 change of registered office in 24 months

Belgian Official Gazette

Last filed accounts filed 60 days late; 1 of the last 3 late

NBB · filings

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€364,035

2025 accounts filed 60 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 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

60 days late

2024

26 days late

2023

28 days late

2022

45 days early

2021

54 days early

2020

57 days early

2019

91 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 7 days after the deadline; the sector median (NACE 95) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

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 26 August (4 of the last 5 filed years within 71 days of that day).

Companies Code · seven months

Where today falls in the filing period

25-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

29-09-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Weakest financial yearnet -€125,224
11-09-2025 Registered officeDirector in office · Registered-office…

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€364,035 View
Caution: From profit to loss in 2025after €2,699 in 2024 -€125,224 View
Caution: Among the weakest 5% on solvencysector median 37.9% · 3,264 companies -200.7% View

By topic

Financials

Financial year: 2025
Total assets: €181,427
Loss: -€125,224
Solvency: -200.7%

Total assets▼ 46.3%

Net result

20182025

Go to Financials

Board & ownership

Board: 2 members

DE CUYPER Stefan RobertDirector
SCHECHTER Ingrid Marcella FloraDirector

Go to Board & ownership

Timeline

Events: 16
Since: 2017
Next accounts: by 31-07-2027

26-08-2025Annual accounts filed
31-12-2024Back to profit
28-08-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Washing and cleaning of motor vehiclesNACE 95316
Founded: 15-12-2015
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 34

Who signs: Each director alone
Annual meeting: First Friday of June at 11:00

Go to Articles of association

Key facts about STIN DE CUYPER

What is the company number of STIN DE CUYPER?: 0645.822.436. In Belgium the VAT number is the company number with BE in front: BE 0645.822.436.
Where is STIN DE CUYPER based?: The registered office is at Moutstraat(HAL) 6, 2220 Heist-op-den-Berg.Company details
What does STIN DE CUYPER do?: According to the KBO register, the main activity is washing and cleaning of motor vehicles (NACE 95316).
What is the legal form of STIN DE CUYPER?: Private limited company (BV).
When was STIN DE CUYPER founded?: On 15-12-2015.
Is STIN DE CUYPER still active?: Yes, STIN DE CUYPER is an active enterprise in the KBO register.
How many employees does STIN DE CUYPER have?: On average 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of STIN DE CUYPER?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is STIN DE CUYPER profitable?: In financial year 2025, STIN DE CUYPER made a loss of €125,224.
Where can I find the annual accounts of STIN DE CUYPER?: STIN DE CUYPER filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of STIN DE CUYPER due?: By 31-07-2027, for financial year 2026.Timeline

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Overview