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Stockvelde

Active
Public limited companyfounded 198442 yrs activeNieuwstraat 10, 8000 Brugge, BelgiumKBO/BCE: BE 0427.017.457
Summary

Stockvelde has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €964,163 and a net result of -€41,942. Equity is shrinking by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 70% of 5663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
StockveldeActiveChecked score 93/100
Risk analysis ReportCompare

Overview

Activity
Real estate agency activities
NACE 68310NACE 68311NACE 70311
1 site
Size
€1.5mtotal assets 2025
Equity
€964,163
Loss
-€41,942
Financial health
93 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Parent
HOLFING · 100%
Accounts 36 d early1 of 10 deeds read
Why 93- Liquidity: current ratio 1.02, cash €36,820, halved- Loss of €41,942, the second in a row (FY 2025)+ Size: total assets €1.5m+ Founded in 1984Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Better than 41% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 89-5
equity 64.3% of total assets
Liquidity 42-20
short-term debt 27.1% · cash 2.5%
Profitability 15=
return on assets -2.8%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.2% (26,530 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▲ +2.5% vs 03-2025 05-2025: < 0.1%▲ +2.4% vs 04-2025 06-2025: < 0.1%▲ +2.4% vs 05-2025 07-2025: < 0.1%▲ +7.0% vs 06-2025 08-2025: < 0.1%▼ -21.7% vs 07-2025lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%▲ +5.6% vs 03-2026 05-2026: < 0.1%▲ +2.6% vs 04-2026 06-2026: < 0.1%▲ +2.6% vs 05-2026 07-2026: < 0.1%▲ +2.5% vs 06-2026 08-2026: 0.1%▲ +51.2% vs 07-2026 09-2026: 0.1%▲ +16.1% vs 08-2026highest value 10-2026: 0.1%▼ -19.4% vs 09-2026
  • Size: total assets €1.5m lowers the probability for this profile
  • Liquidity: current ratio 1.02, cash €36,820, halved raises the probability
  • Founded in 1984 lowers the probability for this profile
  • Loss of €41,942, the second in a row (FY 2025) raises the probability
Credit up to €85,000 at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.05 in 2024; short-term debt: 27.1% and cash: 2.5% of total assets), and 35.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 74%, liquidity 36%, profitability 17%, growth against the median 35%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.5m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.02, cash €36,820, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1984
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Loss of €41,942, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€41,942
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
36 d early
2024
14 d early
2023
9 d late
2022
on the day
2021
23 d late
2020
3 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 3 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Permanent representatives: Désirée Cloet and Melissa…Power of attorney
  2. Annual accounts filedfiscal year 2025 · full…
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Risk: 7 loss-making years in a rowloss fiscal year 2025 -€41,942 View
  • Controlled by HOLFING 100% View
  • Active since 1984founded 01-08-1984 42 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.5m
Loss
-€41,942
Solvency
64.3%
Total assets▲ 2.9%
Net result
20192025
Go to Financials

Timeline

Events
12
Since
2016
Next accounts
by 31-07-2027
  1. 26-06-2026Permanent representatives: Désirée Cloet and Melissa Floré
  2. 25-06-2026Annual accounts filed
  3. 17-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Real estate agency activitiesNACE 68310
Founded
01-08-1984
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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