STOA
ActiveSummary
STOA has been active since 1969 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €417,785 and a net result of €13,961. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 8115 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-4
Solvency85▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 4.1 against 7.2 in 2024; short-term debt: 15.6% and cash: 0.4% of total assets), and 40.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.6%
Return on assets
2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
5 d late
2023
on the day
2022
8 d late
2021
2 d late
2020
2 d early
2019
1 d early
← 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 1 day after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#2 oldest company in Beveren-Kruibeke-Zwijndrecht, Wholesale and retail trade sector
Equity
€417,785▲ 3.5%
2024 · €403,823
Total assets
€700,573▲ 8.5%
2024 · €645,491
Net result
€13,961▼ 56.2%
2024 · €31,850
Working capital
€338,379▲ 4.1%
2024 · €325,064
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€27,127€8,179▼ 69.9%€10,981▲ 34.3%€32,934▲ 200%€14,671▼ 55.5%
Net result€17,232€6,728▼ 61.0%€9,853▲ 46.4%€31,850▲ 223%€13,961▼ 56.2%
Equity€355,392▲ 5.1%€362,120▲ 1.9%€371,973▲ 2.7%€403,823▲ 8.6%€417,785▲ 3.5%
Total assets€606,137▲ 0.8%€613,241▲ 1.2%€622,372▲ 1.5%€645,491▲ 3.7%€700,573▲ 8.5%
Debt€175,529▼ 4.9%€179,158▲ 2.1%€181,688▲ 1.4%€176,211▼ 3.0%€220,584▲ 25.2%
Working capital€308,773▲ 7.5%€286,469▼ 7.2%€292,884▲ 2.2%€325,064▲ 11.0%€338,379▲ 4.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €700,573
Fixed assets
€252,915 ▼ 5.6%
Current assets
€447,658 ▲ 18.6%
Equity and liabilities €700,573
Equity
€417,785 ▲ 3.5%
Provisions
€62,205 ▼ 5.0%
Debt
€220,584 ▲ 25.2%
Debt's share of the balance-sheet total rises from 27.3% to 31.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€29,758▼
2024 · €48,417
Cash flow
€29,049▼
2024 · €47,332
Current ratio
4.10▼
2024 · 7.20
Quick ratio
3.87▼
2024 · 6.27
Debt to equity
0.53▲
2024 · 0.44
ROE
3.3%▼
2024 · 7.9%
ROA
2.0%▼
2024 · 4.9%
Interest coverage
7.23▼
2024 · 10.98
Debt ≤ 1 year
€109,278▲
2024 · €52,425
Debt > 1 year
€111,305▼
2024 · €123,785
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,684 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,684 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | €66,970 | €38,765 | €32,623 | €62,114 | ▲ 90.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,965 | €14,608 | €15,396 | €15,482 | €15,087 | ▼ 2.6% |
| Other operating charges640/8 | - | €3,659 | €2,193 | €960 | €1,606 | ▲ 67.3% |
| Gross operating margin9900 | €44,553 | €26,445 | €28,570 | €49,377 | €31,365 | ▼ 36.5% |
| Operating profit (loss)9901 | €27,127 | €8,179 | €10,981 | €32,934 | €14,671 | ▼ 55.5% |
| Financial income75/76B | - | - | €170 | €71 | €153 | ▲ 114% |
| Recurring financial income75 | €3 | - | €170 | €71 | €153 | ▲ 114% |
| Financial charges65/66B | - | €4,704 | €4,551 | €4,409 | €4,115 | ▼ 6.7% |
| Recurring financial charges65 | €4,850 | €4,704 | €4,551 | €4,409 | €4,115 | ▼ 6.7% |
| Profit (loss) for the period before taxes9903 | €13,979 | €3,475 | €6,600 | €28,597 | €10,709 | ▼ 62.6% |
| Transfer from deferred taxes780 | - | €3,253 | €3,253 | €3,253 | €3,253 | = |
| Profit (loss) for the period9904 | €17,232 | €6,728 | €9,853 | €31,850 | €13,961 | ▼ 56.2% |
| Transfer from tax-exempt reserves789 | - | €6,317 | €6,317 | €6,317 | €6,317 | = |
| Profit (loss) for the period to be appropriated9905 | €23,549 | €13,045 | €16,171 | €38,167 | €20,279 | ▼ 46.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €606,137 | €613,241 | €622,372 | €645,491 | €700,573 | ▲ 8.5% |
| Fixed assets21/28 | €281,334 | €295,349 | €283,485 | €268,002 | €252,915 | ▼ 5.6% |
| Tangible fixed assets22/27 | €280,334 | €294,349 | €282,485 | €267,002 | €251,915 | ▼ 5.7% |
| Land and buildings22 | - | €269,155 | €258,068 | €246,981 | €235,893 | ▼ 4.5% |
| Plant, machinery and equipment23 | - | €371 | - | - | - | - |
| Furniture and vehicles24 | - | €7,129 | €8,909 | €6,700 | €4,886 | ▼ 27.1% |
| Other tangible fixed assets26 | - | €17,694 | €15,508 | €13,321 | €11,135 | ▼ 16.4% |
| Financial fixed assets28 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Current assets29/58 | €324,802 | €317,892 | €338,887 | €377,489 | €447,658 | ▲ 18.6% |
| Stocks and contracts in progress3 | €71,092 | €44,520 | €48,822 | €48,822 | €24,772 | ▼ 49.3% |
| Stocks30/36 | - | €44,520 | €48,822 | €48,822 | €24,772 | ▼ 49.3% |
| Amounts receivable within one year40/41 | €187,438 | €259,114 | €252,187 | €304,172 | €420,301 | ▲ 38.2% |
| Trade receivables40 | - | €91,104 | €146,616 | €142,047 | €199,622 | ▲ 40.5% |
| Other amounts receivable41 | - | €168,010 | €105,571 | €162,125 | €220,679 | ▲ 36.1% |
| Cash at bank and in hand54/58 | €66,222 | €14,259 | €37,878 | €24,494 | €2,584 | ▼ 89.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €606,137 | €613,241 | €622,372 | €645,491 | €700,573 | ▲ 8.5% |
| Equity10/15 | €355,392 | €362,120 | €371,973 | €403,823 | €417,785 | ▲ 3.5% |
| Contributions10/11 | €287,000 | €287,000 | €287,000 | €287,000 | €287,000 | = |
| Capital10 | - | €287,000 | €287,000 | €287,000 | €287,000 | = |
| Issued capital100 | - | €287,000 | €287,000 | €287,000 | €287,000 | = |
| Reserves13 | €181,389 | €175,071 | €168,754 | €162,437 | €156,119 | ▼ 3.9% |
| Non-distributable reserves130/1 | - | €28,700 | €28,700 | €28,700 | €28,700 | = |
| Legal reserve130 | - | €28,700 | €28,700 | €28,700 | €28,700 | = |
| Tax-exempt reserves132 | - | €144,099 | €137,782 | €131,465 | €125,147 | ▼ 4.8% |
| Distributable reserves133 | - | €2,272 | €2,272 | €2,272 | €2,272 | = |
| Profit (loss) carried forward14 | -€112,997 | -€99,951 | -€83,781 | -€45,613 | -€25,335 | ▲ 44.5% |
| Provisions and deferred taxes16 | €75,216 | €71,963 | €68,710 | €65,457 | €62,205 | ▼ 5.0% |
| Deferred taxes168 | - | €71,963 | €68,710 | €65,457 | €62,205 | ▼ 5.0% |
| Amounts payable17/49 | €175,529 | €179,158 | €181,688 | €176,211 | €220,584 | ▲ 25.2% |
| Amounts payable after more than one year17 | €159,499 | €147,735 | €135,685 | €123,785 | €111,305 | ▼ 10.1% |
| Financial debts170/4 | - | €147,735 | €135,685 | €123,785 | €111,305 | ▼ 10.1% |
| Amounts payable within one year42/48 | €16,029 | €31,423 | €46,003 | €52,425 | €109,278 | ▲ 108% |
| Current portion of amounts payable after more than one year42 | - | €11,906 | €12,337 | €12,368 | €12,723 | ▲ 2.9% |
| Trade debts44 | €3,690 | €14,527 | €16,414 | €15,657 | €24,571 | ▲ 56.9% |
| Suppliers440/4 | - | €14,527 | €16,414 | €15,657 | €24,571 | ▲ 56.9% |
| Taxes, remuneration and social security45 | - | €4,417 | €6,873 | €9,065 | €8,729 | ▼ 3.7% |
| Taxes450/3 | - | €4,417 | €6,873 | €9,065 | €8,729 | ▼ 3.7% |
| Other amounts payable47/48 | - | €573 | €10,379 | €15,334 | €63,255 | ▲ 313% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,232 | €6,728 | €9,853 | €31,850 | €13,961 | ▼ 56.2% |
| + Depreciation and write-downs630 | €12,965 | €14,608 | €15,396 | €15,482 | €15,087 | ▼ 2.6% |
| Operating cash flow (approximation) | €30,197 | €21,336 | €25,249 | €47,332 | €29,049 | ▼ 38.6% |
| Investment in fixed assets (approximation) | - | -€28,623 | -€3,531 | €0 | €0 | - |
| Change in cash | - | -€51,964 | €23,619 | -€13,383 | -€21,910 | ▼ 63.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
05-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 5 days late
2024
30-06
Financial
Highest result since 2019net €31,850 ▲223%
Operating result €32,934, net result €31,850, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
30-06
Financial
Back to profitnet €17,232
Net result €17,232 after 2 loss-making years.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Liquidity triplescurrent ratio 15.28
Current ratio from 4.42 to 15.28; short-term debt falls from €88,601 to €20,130.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1970
Ground area
1,748 m²
Building footprint
417 m²
Volume, LiDAR
3,270 m³
2 parcels, Flanders · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
STOA NV
since 19702.003.555.883
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46001B0789/00R002 | Flanders | 1,220 m² | 1 · 132 m² | 8.8 m · 2 fl. |
| 35384A0034/00M005 | Flanders | 528 m² | 1 · 285 m² | 15.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerOwners 1
-
34.3%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 1,805 companies in sector 46831 we hold annual accounts for 1,398. 1,029 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded24-12-1969
Fiscal year end30-06
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0406968547
Also
9925:BE0406968547
Registered
09-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.