STOCK & ASSOCIATES

Active

Private limited companyfounded 1985active for 40 yearsGoed ter Linden(Kor) 5, 8500 Kortrijk, BelgiumKBO/BCE: BE 0428.278.853

Summary

STOCK & ASSOCIATES has been active since 1985 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€49,543) and a net result of -€6,786. Equity is shrinking by about 44% per year across the filed financial years. Its solvency ranks better than 9% of 4,288 sector peers (NACE 74, financial year 2024). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisFollow Report Compare

STOCK & ASSOCIATESActiveChecked score 53/100

Risk analysis Report Compare

Activity

Graphic design and visual communication

NACE 74120

1 site

Size

€90,810total assets 2024

Equity: -€49,543
Loss: -€6,786

Turnover not published (micro format)

Financial health

53 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 1.2%

Structure

STOCK Johan Mario JosephusDirector

2025 accounts not filed, 87 days past the deadline1 of 3 deeds summarised

Why 53raises riskCapped at 59: negative equityFigures for financial year 2024 (filed 02-10-2025)lowers riskSize: total assets €90,810Founded in 1985Sector: Other professional, scientific and technical activities (NACE 74)Show the evidence

Checked score

Score 2024

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 15% of its sector peers (NACE 74, micro)

Negative equity caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Weak

Solvency 0=

equity -54.6% of total assets

Liquidity 5+3

short-term debt 154.6% · cash 3.8%

Profitability 40+33

return on assets -7.5%

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (5,421 companies, NACE 74, micro)

Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025lowest value 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.5%▲ +0.1 percentage points vs 05-2025 07-2025: 0.6%▲ +0.1 percentage points vs 06-2025 08-2025: 0.8%▲ +0.2 percentage points vs 07-2025 09-2025: 0.9%▲ +0.1 percentage points vs 08-2025 10-2025: 1.0%▲ +0.1 percentage points vs 09-2025 11-2025: 0.6%▼ -0.4 percentage points vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.6%● unchanged vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.7%▲ +0.1 percentage points vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026 08-2026: 0.9%▲ +0.2 percentage points vs 07-2026 09-2026: 1.1%▲ +0.2 percentage points vs 08-2026 10-2026: 1.2%▲ +0.1 percentage points vs 09-2026highest value

No credit on open account

Liquidity insufficient (current ratio 0.05, compared with 0.06 in 2023, below 1; short-term debt: 154.6% and cash: 3.8% 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 74, micro): better than 6% on solvency, 4% on liquidity, 25% on profitability and 26% on growth.

The bankruptcy probability was computed on 25-10-2026 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

Seven signals.

lowers riskraises risk

Size: total assets €90,810

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Figures for financial year 2024 (filed 02-10-2025)

NBB · annual accounts

Founded in 1985

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Sector: Other professional, scientific and technical activities (NACE 74)

KBO

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year -€49,543

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 87 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline26-10-2026 today

2024 accounts filed 61 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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

not filed

2024

61 days late

2023

on the day

2022

6 days early

2021

25 days late

2020

30 days late

2019

30 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 13 days after the deadline; the sector median (NACE 74) for financial year 2024 is 3 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-09-2025 Annual accounts filedfinancial year 2024 · micro…
31-07-2024 Annual accounts filedfinancial year 2023 · micro…
13-12-2023 Resignation: STOCK Johan Mario Josephus (statutory…Appointment: STOCK Johan Mario Josephus…

Key points

Risk: Negative equityfinancial year 2024: debts exceed assets -€49,543 View
Risk: 7 loss-making years in a rowloss financial year 2024 -€6,786 View
Caution: Among the weakest 5% on equitysector median €41,591 · 4,291 companies -€49,543 View
Caution: 2025 accounts not fileddeadline was 31-07-2026 87 days past the deadline View

By topic

Financials

Financial year: 2024
Total assets: €90,810
Loss: -€6,786
Solvency: -54.6%

Total assets▼ 3.3%

Net result

20182024

Go to Financials

Board & ownership

Board: 1 member

STOCK Johan Mario JosephusDirector

Go to Board & ownership

Timeline

Events: 41
Since: 1987

25-07-2023Annual accounts filed
25-08-2022Annual accounts filed
30-08-2021Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Graphic design and visual communicationNACE 74120
Founded: 20-12-1985
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 11

Annual meeting: First Friday of June at 16:00
Purpose: “Het ontwerpen,ontwikkelen,produceren en verkopen van alle audio- en/of visuele producten…” (deed in Dutch)

Go to Articles of association

Key facts about STOCK & ASSOCIATES

What is the company number of STOCK & ASSOCIATES?: 0428.278.853. In Belgium the VAT number is the company number with BE in front: BE 0428.278.853.
Where is STOCK & ASSOCIATES based?: The registered office is at Goed ter Linden(Kor) 5, 8500 Kortrijk.Company details
What does STOCK & ASSOCIATES do?: According to the KBO register, the main activity is graphic design and visual communication (NACE 74120).
What is the legal form of STOCK & ASSOCIATES?: Private limited company (BV).
When was STOCK & ASSOCIATES founded?: On 20-12-1985.
Is STOCK & ASSOCIATES still active?: Yes, STOCK & ASSOCIATES is an active enterprise in the KBO register.
What is the turnover of STOCK & ASSOCIATES?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is STOCK & ASSOCIATES profitable?: In financial year 2024, STOCK & ASSOCIATES made a loss of €6,786.
Where can I find the annual accounts of STOCK & ASSOCIATES?: STOCK & ASSOCIATES filed 39 annual accounts with the National Bank of Belgium, the latest for financial year 2024.