Losses
-€256,326 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
STOKI
Lifetime
3 annual accounts with figures on one time axispeak €25,176 (2025)
€25,176▲ 249%
lowest -€93,769 (2025)
-€93,769▼ €16,893
peak €43,674 (2025)
€43,674▲ €106,231
€1.1m▲ 21.4%
peak 0 FTE (2023)
-not published
Board3 names since 2022
3 directorsFRAMAX and 2 others
Owners2 names in the annual accounts
80%FRAMAX and 1 other
Documentsfilings and deeds
29-07-20262 days before the deadline
2025abbreviated format
Gross margin from €7,216 to €25,176Loss of €93,769Capital increase of €200,000 to €300,000 08-09Equity from -€62,557 to €43,674Debts from €926,968 to €1.1mInvestments €365,910
Key points
from the 2025 annual accountsTurnover
≈ €41,000 estimated
The accounts state no turnover.
Debts
€1.1m 96% of the balance sheet
Financial debts 55%Suppliers 7%Other 38%
Of this, €484,681 falls due within a year.
Investments
€360,495 4.4 × depreciation
Green is investment, beige is depreciation. Machinery stands 85.6% higher than in 2024.
Starting capital
€100,000 1,000 shares
Position in the sector
-€93,769
Lower net result than 88% of companies in real estate. Sector median €9,997 · 11,290 companies.
Checked score
86
Excellent
Financially stronger than 42% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.4%▲ +0.1 percentage points vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.4%● unchanged vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.5%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 0.2%▼ -0.3 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Equity €43,674 (3.7% of total assets)
Loss of €93,769, the second in a row (financial year 2025)
lowers risk
Size: total assets €1.2m
Sector: Real estate activities (NACE 68)
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 24% of them on solvency, 32% on liquidity, 16% on profitability and 94% on growth.
The bankruptcy probability was computed on 08-11-2026 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 very low class on 30-06-2025, 0.1% 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, 865 companies had the same profile as STOKI has now. Each dot stands for 3 companies, two years later.
96.6%
were still trading
1.7%
stopped another way
1.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of STOKI itself is lower: 0.2% within 12 months. It rests on far more data about STOKI than the profile alone.
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 865 companies, not a prediction for STOKI. 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 €3,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.19 (0.23 in 2024), below 1. Short-term debt is 41.5% and cash 6.9% of total assets. 96.3% 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
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 11299 sector peers (2025).
NBB · sector comparisonPosition among 11299 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 · 3 filingsDeviation from the deadline
2025
2 days early
2024
16 days early
2023
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 6 days before 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 29 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- FRAMAX 80%equity €3.1m (2025) · 30-06-2025 annual accounts of FRAMAX
- HOST UP 20%score 71equity €129,936 (2025) · 2025 annual accounts of HOST UP
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0786765812
Capital increase of €200,000 to €300,000
Capital from €100,000 to €300,000 · General meeting of 03-09-2025 · Gazette deed
Incorporation
Founding capital of €100,000, 1,000 shares · Founders: FRAMAX and CANTINEAU Jérôme Claude Michel Olivier · Appointments: FRAMAX, Maxime Vandenhende and VANDENHENDE François · published on 07-06-2022 · Gazette deed
First establishment
Chaussée du Pont du Sart (H-G) 238, La Louvière
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STOKI Estinnes | €1.2m | €25,176 | 3.7% | - |
| Gezonde Prikkel Westerlo | €1.2m | €24,351 | -5.0% | - |
| STRUO Herzele | €1.1m | €29,078 | -5.9% | - |
| Montevideo Clinic Antwerp | €1.0m | €22,036 | -17.5% | - |
| TINTO INVEST Roeselare | €1.1m | €25,710 | 42.4% | - |
| Immo Heritage Dilbeek | €0.9m | €22,901 | -10.4% | - |
| DGA Anderlecht | €1.2m | €35,389 | -12.2% | - |
These companies have the same main activity as STOKI: renting and operating of own or leased non-residential real estate, excluding land (NACE 68203). They are comparable in size and age: total assets between €935,000 and €1.2m, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 02-06-2022Normal situation
- Activity
- Renting and operating of own or leased non-residential real estate, excluding landNACE 68203and 1 other
- Establishment unit
- 2.334.603.2257110 La Louvière, since 02-06-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2026
Annual accounts 2025
- €1.2m▲ 35.2%
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on STOKI
STOKI files the abbreviated format. That format states no turnover. The gross margin rose from €1,787 in 2023 to €25,176 in 2025.
FRAMAX holds 80% of the shares.
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 STOKI
- What is the company number of STOKI?
- The company number of STOKI is 0786.765.812. The VAT number is the same number with BE in front: BE 0786.765.812.
- Where is STOKI based?
- The registered office is at Rue de Bienne 9, 7120 Estinnes.Company details
- What does STOKI do?
- According to the KBO register, the main activity is renting and operating of own or leased non-residential real estate, excluding land (NACE 68203).
- What is the legal form of STOKI?
- STOKI is a private limited company (BV).
- When was STOKI founded?
- STOKI was founded on 02-06-2022.
- Is STOKI still active?
- Yes, STOKI is an active enterprise in the KBO register.
- What is the turnover of STOKI?
- The turnover in financial year 2025 is ≈ €41,000. This figure is estimated from the gross margin of €25,176 and 51 comparable companies (NACE 682). It probably lies between €31,000 and €60,000.Financials
- Is STOKI profitable?
- In financial year 2025, STOKI made a loss of €93,769.
- Where can I find the annual accounts of STOKI?
- STOKI filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STOKI due?
- STOKI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.