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STJ BUSINESS

Active
Private limited companyfounded 2015active for 10 yearsParkstraat 25, 1800 Vilvoorde, BelgiumKBO/BCE: BE 0642.762.085

From the official registers: KBO 10 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

STJ BUSINESS has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31,800 and a net result of €82,409. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 22% of 2,296 sector peers (NACE 63, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

KBO
Status
Active since 09-11-2015 Normal situation
Activity
Web portal activities NACE 63910and 2 others
Establishment unit
2.249.819.582 1800 Vilvoorde, since 09-11-2015
Financial year end
31 December
Peppol
Reachable since 17-09-2025

Board and ownership

Board
  • ZIAN RachidDirector · since 07-10-2015

Financial position

90 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€111,877
▲ 2.8%
Turnover
≈ €280,000
estimated
Profit
€82,409
▲ 2.2%
Equity
€31,800
▼ 43.6%
Total assets
€185,724
▲ 3.7%
Filed on 29-07-2026, 2 days before the deadlineat the National Bank
Score breakdownraises risk1 of the last 3 accounts latelowers riskLiquidity: current ratio 1.18, cash €161,215Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)Size: total assets €185,724Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 41% of micro companies in computing infrastructure and information services (NACE 63)
Financial strength · tick: 2024
Strong
Solvency 42-14
equity 17.1% of total assets
Liquidity 54-9
short-term debt 82.9% · cash 86.8%
Profitability 100=
return on assets 44.4%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (2,946 companies, NACE 63, micro)
Last 24 months 11-2024: 0.8%highest value 12-2024: 0.8%● unchanged vs 11-2024highest value 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.4%▼ -0.4 percentage points vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.1%▼ -0.3 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026lowest value 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.18 (1.4 in 2024), below the usual 1.5. Short-term debt is 82.9% and cash 86.8% of total assets. 82.9% of the assets are financed with debt and provisions.
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 63, micro). It does better than 23% of them on solvency, 40% on liquidity, 85% on profitability and 15% on growth.

The bankruptcy probability was computed on 31-10-2026 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. 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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 1.18, cash €161,215
NBB · annual accounts
raises risk · 1 of the last 3 accounts late
NBB · filings
lowers risk · Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
KBO
lowers risk · Size: total assets €185,724
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 2296 sector peers (2025).
NBB · sector comparison
Position among 2296 sector peers
Solvency
better than 22%
← 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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 days early
2024
6 days early
2023
31 days late
2022
31 days late
2021
29 days late
2020
30 days late
2019
89 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 29 days after the deadline. In the sector (NACE 63), the median for financial year 2024 was 9 days before the deadline, and 32% 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 29 August (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher net result than 88% of companies in computing infrastructure and information servicessector median €20,152 · 2,295 companies €82,409 View
  • Positive: 8 profitable years in a rowprofit 2025: €82,409 8 years View

Comparable companies

These companies have the same main activity as STJ BUSINESS: web portal activities (NACE 63910). They are comparable in size and age: total assets between €148,000 and €257,000, founded between 2014 and 2016.

CompanyTotal assetsGross margin
STJ BUSINESS Vilvoorde€185,724€111,877
BF STUDIO Mons€189,562€120,966
BrainTracks Erpe-Mere€206,872€82,672
SZ INVEST La Hulpe€194,514€140,842
SIESQO Waregem€257,481€101,895
STREED Fosses-la-Ville€148,003€80,353
The Present Perfect Waasmunster€162,488€60,086
Full comparison

Documents

Annual accounts at the NBB

All 10 annual accounts

Articles and registers

Key facts about STJ BUSINESS

What is the company number of STJ BUSINESS?
The company number of STJ BUSINESS is 0642.762.085. The VAT number is the same number with BE in front: BE 0642.762.085.
Where is STJ BUSINESS based?
The registered office is at Parkstraat 25, 1800 Vilvoorde.Company details
What does STJ BUSINESS do?
According to the KBO register, the main activity is web portal activities (NACE 63910).
What is the legal form of STJ BUSINESS?
The legal form of STJ BUSINESS is Private limited company (BV).
When was STJ BUSINESS founded?
STJ BUSINESS was founded on 09-11-2015.
Is STJ BUSINESS still active?
Yes, STJ BUSINESS is an active enterprise in the KBO register.
What is the turnover of STJ BUSINESS?
The turnover in financial year 2025 is ≈ €280,000. This figure is estimated from the gross margin of €111,877 and 2,213 comparable companies of the same size. It probably lies between €190,000 and €430,000. It is a rough estimate.Financials
Is STJ BUSINESS profitable?
In financial year 2025, STJ BUSINESS made a profit of €82,409.
Where can I find the annual accounts of STJ BUSINESS?
STJ BUSINESS filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of STJ BUSINESS due?
STJ BUSINESS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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