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STOEMP

Active
Private limited companyfounded 20224 yrs activePiepelpoel 9, 3700 Tongeren-Borgloon, BelgiumKBO/BCE: BE 0790.383.021
Summary

The computed 12-month bankruptcy probability of STOEMP is 3.8% (moderate). The 2025 annual accounts show equity of €38,139 and a net result of €1,004. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 60% of 13683 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability64▼-11
Solvency67▼-5
Growth52=
Track record94
Bankruptcy probability, 12 months
3.8% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.33 in 2024; short-term debt: 58% and cash: 66.2% of total assets), and 58% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
42%
Return on assets
1.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filings
Deviation from the deadline
2025
28 d late
2024
25 d late
2023
26 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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 27 August (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 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

History

STOEMP was incorporated on 2 September 2022 as a Private limited company.1 Total assets rose from EUR 69,315 in 2023 to EUR 90,820 in 2025 and headcount from 4.2 to 6.7 full-time equivalents.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€38,139▲ 2.7%
2024 · €37,135
Total assets
€90,820▲ 14.7%
2024 · €79,168
Net result
€1,004▼ 72.8%
2024 · €3,692
Working capital
€21,099▲ 50.2%
2024 · €14,044
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result€37,314-€5,294▼ 85.8%-€2,589
Net result€27,443above the sector's middle half-€3,692within the sector's middle half▼ 86.5%€1,004within the sector's middle half▼ 72.8%
Equity€33,443within the sector's middle half-€37,135within the sector's middle half▲ 11.0%€38,139within the sector's middle half▲ 2.7%
Total assets€69,315within the sector's middle half-€79,168within the sector's middle half▲ 14.2%€90,820within the sector's middle half▲ 14.7%
Debt€35,872-€42,033▲ 17.2%€52,681▲ 25.3%
Working capital€16,272within the sector's middle half-€14,044within the sector's middle half▼ 13.7%€21,099within the sector's middle half▲ 50.2%
Solvency48.2%within the sector's middle half-46.9%within the sector's middle half▼ 1.3pp42.0%within the sector's middle half▼ 4.9pp
Current ratio1.45within the sector's middle half-1.33within the sector's middle half▼ 0.121.40within the sector's middle half▲ 0.07
Return on assets (ROA)39.6%above the sector's middle half-4.7%within the sector's middle half▼ 34.9pp1.1%within the sector's middle half▼ 3.6pp
Staff (FTE)4.2-5.5▲ 31.0%6.7▲ 21.8%
above within below the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000€30,000€40,000Operating result 2023: €37,314€37,314Net result 2023: €27,443€27,443Operating result 2024: €5,294€5,294Net result 2024: €3,692€3,692Operating result 2025: -€2,589-€2,589Net result 2025: €1,004€1,004202320242025-€10,000€0€10,000€20,000€30,000€40,000Operating result 2023: €37,314€37,300Net result 2023: €27,443€27,400Operating result 2024: €5,294€5,290Net result 2024: €3,692€3,690Operating result 2025: -€2,589-€2,590Net result 2025: €1,004€1,000202320242025
The operating result turns negative in 2025: a loss of €2,589 after €5,294 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90,820
Fixed assets €17,040 ▼ 26.2%
Current assets €73,780 ▲ 31.6%
Equity and liabilities €90,820
Equity €38,139 ▲ 2.7%
Debt €52,681 ▲ 25.3%
Debt's share of the balance-sheet total rises from 53.1% to 58.0%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€3,462▼
2024 · €10,288
Cash flow
€7,054▼
2024 · €8,686
Quick ratio
1.27▲
2024 · 1.18
Debt to equity
1.38▲
2024 · 1.13
ROE
2.6%▼
2024 · 9.9%
Interest coverage
5.30▼
2024 · 65.93
Debt ≤ 1 year
€52,681▲
2024 · €42,033
Income taxes
€757▼
2024 · €1,446
Staff costs
€58,724▲
2024 · €58,246
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,546 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
2.3% went bankrupt
3.1% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 3.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

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 2,546 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet Code20242025
Assets
Total assets20/58€79,168€90,820▲
Fixed assets21/28€23,091€17,040▼
Tangible fixed assets22/27€23,091€17,040▼
Land and buildings22€12,987€10,179▼
Plant, machinery and equipment23€9,704€6,599▼
Furniture and vehicles24€400€262▼
Current assets29/58€56,077€73,780▲
Stocks and contracts in progress3€6,524€6,926▲
Stocks30/36€6,524€6,926▲
Amounts receivable within one year40/41€6,661€6,710▲
Trade receivables40€6,661€6,631▼
Other amounts receivable41-€80
Cash at bank and in hand54/58€42,892€60,144▲
Equity and liabilities
Total equity and liabilities10/49€79,168€90,820▲
Equity10/15€37,135€38,139▲
Contributions10/11€6,000€6,000=
Profit (loss) carried forward14€31,135€32,139▲
Amounts payable17/49€42,033€52,681▲
Amounts payable within one year42/48€42,033€52,681▲
Financial debts43€9,000€9,000=
Other loans439€9,000€9,000=
Trade debts44€7,328€4,881▼
Suppliers440/4€7,328€4,881▼
Taxes, remuneration and social security45€20,399€12,061▼
Taxes450/3€16,523€4,855▼
Remuneration and social security454/9€3,876€7,206▲
Other amounts payable47/48€5,306€26,739▲
Income statement Code20242025
Remuneration, social security and pensions62€58,246€58,724▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,994€6,051▲
Other operating charges640/8€1,460€1,000▼
Gross operating margin9900€69,994€63,186▼
Operating profit (loss)9901€5,294-€2,589▼
Financial income75/76B-€5,002
Recurring financial income75-€5,002
Financial charges65/66B€156€653▲
Recurring financial charges65€156€653▲
Profit (loss) for the period before taxes9903€5,138€1,760▼
Income taxes67/77€1,446€757▼
Profit (loss) for the period9904€3,692€1,004▼
Profit (loss) for the period to be appropriated9905€3,692€1,004▼
Appropriation of the result
Profit (loss) to be appropriated9906€31,135€32,139▲
Profit (loss) brought forward from the previous period14P€27,443€31,135▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Remuneration, social security and pensions62€36,673€58,246€58,724▲ 0.8%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,730€4,994€6,051▲ 21.2%
Other operating charges640/8€3,380€1,460€1,000▼ 31.5%
Gross operating margin9900€79,097€69,994€63,186▼ 9.7%
Operating profit (loss)9901€37,314€5,294-€2,589▼ 149%
Financial income75/76B€29-€5,002-
Recurring financial income75€29-€5,002-
Non-recurring financial income76B€29---
Financial charges65/66B€299€156€653▲ 318%
Recurring financial charges65€138€156€653▲ 318%
Non-recurring financial charges66B€161---
Profit (loss) for the period before taxes9903€37,044€5,138€1,760▼ 65.7%
Income taxes67/77€9,601€1,446€757▼ 47.7%
Profit (loss) for the period9904€27,443€3,692€1,004▼ 72.8%
Profit (loss) for the period to be appropriated9905€27,443€3,692€1,004▼ 72.8%
Line202320242025Change
Assets
Total assets20/58€69,315€79,168€90,820▲ 14.7%
Fixed assets21/28€17,171€23,091€17,040▼ 26.2%
Tangible fixed assets22/27€17,171€23,091€17,040▼ 26.2%
Land and buildings22€8,734€12,987€10,179▼ 21.6%
Plant, machinery and equipment23€8,438€9,704€6,599▼ 32.0%
Furniture and vehicles24-€400€262▼ 34.4%
Current assets29/58€52,144€56,077€73,780▲ 31.6%
Stocks and contracts in progress3€5,376€6,524€6,926▲ 6.2%
Stocks30/36€5,376€6,524€6,926▲ 6.2%
Amounts receivable within one year40/41-€6,661€6,710▲ 0.7%
Trade receivables40-€6,661€6,631▼ 0.5%
Other amounts receivable41--€80-
Cash at bank and in hand54/58€46,768€42,892€60,144▲ 40.2%
Equity and liabilities
Total equity and liabilities10/49€69,315€79,168€90,820▲ 14.7%
Equity10/15€33,443€37,135€38,139▲ 2.7%
Contributions10/11€6,000€6,000€6,000=
Profit (loss) carried forward14€27,443€31,135€32,139▲ 3.2%
Amounts payable17/49€35,872€42,033€52,681▲ 25.3%
Amounts payable within one year42/48€35,872€42,033€52,681▲ 25.3%
Financial debts43€12,000€9,000€9,000=
Other loans439€12,000€9,000€9,000=
Trade debts44€1,570€7,328€4,881▼ 33.4%
Suppliers440/4€1,570€7,328€4,881▼ 33.4%
Taxes, remuneration and social security45€19,432€20,399€12,061▼ 40.9%
Taxes450/3€12,496€16,523€4,855▼ 70.6%
Remuneration and social security454/9€6,936€3,876€7,206▲ 85.9%
Other amounts payable47/48€2,870€5,306€26,739▲ 404%
Line202320242025Change
Profit (loss) for the period9904€27,443€3,692€1,004▼ 72.8%
+ Depreciation and write-downs630€1,730€4,994€6,051▲ 21.2%
Operating cash flow (approximation)€29,173€8,686€7,054▼ 18.8%
Investment in fixed assets (approximation)--€10,914€0▲ 100%
Change in cash--€3,876€17,252▲ 545%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial Weakest financial yearnet €1,004 ▼72.8%
Net result drops to €1,004, the lowest in the series.
25-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
26-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Tongeren-Borgloon · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
99 m²
Building footprint
99 m²
Volume, LiDAR
699 m³
Parcel 73083C0332/00_000, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
Stoemp
Piepelpoel 9, 3700 Tongeren-BorgloonFull-service restaurants
since 20222.335.355.370
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73083C0332/00_000 Flanders 99 m² 1 · 99 m² 10.0 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Tongeren-Borgloon2.335.355.370
1 permission
Toelating · Eetgelegenheid · since 11-12-2023

Similar companies · same sector, comparable size

Of 20,500 companies in this sector we hold annual accounts for 11,468. 9,689 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded02-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID 0208:0790383021
Registered 29-07-2024

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.