STIPO
ActiveThe annual accounts of STIPO for fiscal year 2025 show a net loss of 100% of total assets and of 90% of the equity at the start of that year. The 2025 annual accounts show equity of €4k and a net result of €-37k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 21% of 10345 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
27
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-70
Solvency36▼-58
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.06 against 3.29 in 2024; short-term debt: 82.7% and cash: 0.2% of total assets), and 88.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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 2025Solvency, return and age of the figures
Solvency
11.5%
Return on assets
-100.3%
Age of the figures
18 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 10345 sector peers (2025).
NBB · sector comparisonPosition among 10345 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
9 d early
2022
1 d late
2020
41 d late
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€4k▼ 89.7%
2024 · €41k
2019: €19k
2020: €14k
2022: €28k
2023: €40k
2024: €41k
2019 → 2025
Total assets
€36k▼ 38.7%
2024 · €60k
2019: €33k
2020: €36k
2022: €103k
2023: €72k
2024: €60k
2019 → 2025
Net result
€-37k
2024 · €816
2019: €6k
2020: €-5k
2022: €8k
2023: €12k
2024: €816
2019 → 2025
Working capital
€2k▼ 95.3%
2024 · €39k
2019: €18k
2020: €13k
2022: €33k
2023: €39k
2024: €39k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€14k-€28k▲ 98.1%€40k▲ 44.1%€41k▲ 2.0%€4k▼ 89.7%
Operating result€-7k-€11k€18k▲ 70.1%€2k▼ 88.1%€-36k
Net result€-5k-€8k€12k▲ 44.9%€816▼ 93.3%€-37k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €36k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€4k▲ 11.0%
Current assets
€32k▼ 42.3%
Equity and liabilities €36k
Equity
€4k▼ 89.7%
Debt
€32k▲ 72.2%
The debt ratio rises from 31.5% to 88.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-33k▼
2024 · €6k
Cash flow
€-34k▼
2024 · €5k
Solvency
11.5%▼
2024 · 68.5%
Current ratio
1.06▼
2024 · 3.29
Quick ratio
1.06▼
2024 · 3.29
Debt / equity
7.70▲
2024 · 0.46
ROE
-872.8%▼
2024 · 2.0%
ROA
-100.3%▼
2024 · 1.4%
Interest coverage
-186.06▼
2024 · 38.58
Debt
€32k▲
2024 · €19k
Debt ≤ 1 year
€30k▲
2024 · €17k
Income taxes
€35▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€60k€36k▼
Fixed assets21/28€4k€4k▲
Tangible fixed assets22/27€4k€4k▲
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€2k€416▼
Current assets29/58€56k€32k▼
Amounts receivable within one year40/41€22k€28k▲
Trade receivables40€22k€27k▲
Other amounts receivable41-€769
Cash at bank and in hand54/58€16k€87▼
Deferred charges and accrued income490/1€17k€4k▼
Equity and liabilities
Total equity and liabilities10/49€60k€36k▼
Equity10/15€41k€4k▼
Contributions10/11€12k€12k=
Reserves13€15k€15k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€13k€-24k▼
Amounts payable17/49€19k€32k▲
Amounts payable within one year42/48€17k€30k▲
Trade debts44€3k€16k▲
Suppliers440/4€3k€16k▲
Taxes, remuneration and social security45€14k€12k▼
Taxes450/3€11k€12k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€82€2k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€842€687▼
Gross operating margin9900€7k€-33k▼
Operating profit (loss)9901€2k€-36k▼
Financial income75/76B€19€15▼
Recurring financial income75€19€15▼
Financial charges65/66B€154€179▲
Recurring financial charges65€154€179▲
Profit (loss) for the period before taxes9903€2k€-37k▼
Income taxes67/77€1k€35▼
Profit (loss) for the period9904€816€-37k▼
Profit (loss) for the period to be appropriated9905€816€-37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-24k▼
Profit (loss) brought forward from the previous period14P€12k€13k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-37k ▼4585%
Net result drops to €-37k, the lowest in the series.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Highest result since 2019net €12k ▲44.9%
Operating result €18k, net result €12k, both a record.
2022
01-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1 day late
31-03
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2020
11-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 41 days late
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Halle · 1 establishment unit since 2018
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.
Keerstraat 721500 HalleGround area
1,123 m²
Building footprint
129 m²
Volume, LiDAR
761 m³
Parcel 23412K0064/00K000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STIPO
since 20182.277.097.467
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23412K0064/00K000 | Flanders | 1,123 m² | 1 · 129 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,510 companies in sector 47540 we hold annual accounts for 805. 159 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-04-2018
Fiscal year end31-03
Activities, NACEBEL
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.