Equity
€7,505 ▲ 12.1%
STOCAM has made a profit without a break since 2022.
STOCAM
Lifetime
6 annual accounts with figures on one time axispeak €9,226 (2020)
€7,226▼ 3.5%
lowest -€6,009 (2021)
€812▼ 29.1%
peak €7,505 (2025)
€7,505▲ 12.1%
€29,929▼ 50.0%
Board1 name since 2019
1 directorSTOICA Mihai
Documentsfilings and deeds
15-09-202646 days late
2025micro format
Result from €1,146 to €812Equity from €6,693 to €7,505Debts from €59,831 to €29,929Cash from €44,690 to €12,531
Key points
from the 2025 annual accountsTurnover
≈ €30,000 estimated
The accounts state no turnover.
Debts
€29,929 80% of the balance sheet
Suppliers 1%Taxes and wages 2%Other 98%
Filings
6 annual accounts 6 late
The 2020 accounts came latest: 87 days after the end of the period.
Starting capital
€10,000 100 shares
At the same address
476 companies
Checked score
82
Excellent
Financially stronger than 54% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 1.0%▲ +0.1 percentage points vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 1.1%▲ +0.1 percentage points vs 04-2025
06-2025: 1.1%● unchanged vs 05-2025
07-2025: 1.1%● unchanged vs 06-2025
08-2025: 1.4%▲ +0.3 percentage points vs 07-2025
09-2025: 1.6%▲ +0.2 percentage points vs 08-2025
10-2025: 2.4%▲ +0.8 percentage points vs 09-2025highest value
11-2025: 0.4%▼ -2.0 percentage points vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.3%▼ -0.1 percentage points vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026lowest value
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.2 percentage points vs 07-2026
09-2026: 0.7%▲ +0.2 percentage points vs 08-2026
10-2026: 0.5%▼ -0.2 percentage points vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 46 days late; 3 of the last 3 accounts late
Size: total assets €37,435
lowers risk
Sector: Real estate activities (NACE 68)
Liquidity: current ratio 1.13, cash €12,531, halved
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 68, micro). It does better than 40% of them on solvency, 44% on liquidity, 62% on profitability and 68% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 3,274 companies had the same profile as STOCAM has now. Each dot stands for 9 companies, two years later.
94.7%
were still trading
2.5%
stopped another way
2.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STOCAM itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,274 companies, not a prediction for STOCAM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.13 (0.97 in 2024), below the usual 1.5. Short-term debt is 80% and cash 33.5% of total assets. 80% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 46 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 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 · 6 filingsDeviation from the deadline
2025
46 days late
2024
56 days late
2023
65 days late
2022
67 days late
2021
78 days late
2020
87 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 67 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 5 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0740546597
Registered-office move
General meeting of 30-06-2020 · Gazette deed
Incorporation
Founding capital of €10,000 · Founder: STOICA Mihai · Founding capital of €0 · Appointment: STOICA Mihai (director) · published on 31-12-2019 · Gazette deed
First establishment
STOCAM SRL
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STOCAM Wemmel | €37,435 | €7,226 | 20.0% | - |
| Levicom Begijnendijk | €46,191 | €9,989 | -39.4% | - |
| CODEX CONSTRUCT Merelbeke-Melle | €40,579 | €9,142 | 25.3% | - |
| T&J Projecten Vosselaar | €35,820 | €10,921 | 18.8% | - |
| VERHULST CONSTRUCT Liedekerke | €24,036 | €7,317 | -213.6% | - |
| KDS BATI Asse | €38,442 | €9,033 | 2.5% | - |
| BOUWWERKEN BRECHT SYMONS Rotselaar | €50,713 | €18,853 | -16.2% | - |
These companies have the same main activity as STOCAM: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €24,000 and €50,700, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 27-12-2019Normal situation
- Registered office
- 478 active companies are registered at this address54 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- Development of residential building projectsNACE 68121and 3 others
- Establishment unit
- 2.298.284.445since 27-12-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Insights on STOCAM
STOCAM files the micro format. That format states no turnover. The gross margin fell from €9,226 in 2020 to €7,226 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STOCAM
- What is the company number of STOCAM?
- The company number of STOCAM is 0740.546.597. The VAT number is the same number with BE in front: BE 0740.546.597.
- Where is STOCAM based?
- The registered office is at Lt. Graffplein 15, 1780 Wemmel.Company details
- What does STOCAM do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of STOCAM?
- STOCAM is a private limited company (BV).
- When was STOCAM founded?
- STOCAM was founded on 27-12-2019.
- Is STOCAM still active?
- Yes, STOCAM is an active enterprise in the KBO register.
- What is the turnover of STOCAM?
- The turnover in financial year 2025 is ≈ €30,000. This figure is estimated from the gross margin of €7,226 and 48 comparable companies (NACE 68121). It probably lies between €15,000 and €95,000. It is a rough estimate.Financials
- Is STOCAM profitable?
- In financial year 2025, STOCAM made a profit of €812.
- Where can I find the annual accounts of STOCAM?
- STOCAM filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STOCAM due?
- STOCAM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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