Financials
- Fiscal year
- 2024
- Total assets
- €90,060
- Profit
- €218
- Solvency
- 20.5%
Total assets▼ 1.8%
Net result
20202024
STOÏA
ActiveSummary
The computed 12-month bankruptcy probability of STOÏA is 2.3% (moderate). The 2024 annual accounts show equity of €18,485 and a net result of €218. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 8968 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Public relations and communication consultancy
NACE 73300NACE 70210
1 site
Size
€90,060total assets 2024
- Equity
- €18,485
- Profit
- €218
Turnover not published (abridged schema)
Structure
Accounts 67 d overdue0 of 1 deed read
Why 52- Figures for FY 2024 (filed 07-10-2025)- 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late+ Sector Advertising, market research and public relations activities (NACE 73)+ Liquidity: current ratio 1.11, cash €28,104Show the evidence
Checked score
Score 2024
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 31% of its sector peers (NACE 73, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
46+1
equity 20.5% of total assets
Liquidity
46+34
short-term debt 79.5% · cash 31.2%
Profitability
34-66
return on assets 0.2%
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.3%
12-2024: 1.3%▲ +0.4% vs 11-2024
01-2025: 1.2%▼ -7.1% vs 12-2024
02-2025: 1.2%● 0.0% vs 01-2025
03-2025: 1.2%▼ -0.6% vs 02-2025
04-2025: 1.2%▲ +1.9% vs 03-2025
05-2025: 1.2%▲ +1.0% vs 04-2025
06-2025: 1.3%▲ +2.8% vs 05-2025
07-2025: 1.3%▲ +1.9% vs 06-2025
08-2025: 1.9%▲ +47.8% vs 07-2025
09-2025: 2.3%▲ +20.0% vs 08-2025
10-2025: 3.5%▲ +52.5% vs 09-2025highest value
11-2025: 0.6%▼ -81.8% vs 10-2025
12-2025: 0.6%● 0.0% vs 11-2025
01-2026: 0.6%▲ +1.9% vs 12-2025
02-2026: 0.6%▼ -1.7% vs 01-2026
03-2026: 0.6%▼ -2.0% vs 02-2026lowest value
04-2026: 0.6%▲ +2.1% vs 03-2026
05-2026: 0.6%▲ +1.1% vs 04-2026
06-2026: 0.6%▼ -1.5% vs 05-2026
07-2026: 0.6%▼ -0.2% vs 06-2026
08-2026: 1.1%▲ +74.3% vs 07-2026
09-2026: 1.4%▲ +26.8% vs 08-2026
10-2026: 2.3%▲ +64.4% vs 09-2026
- Figures for FY 2024 (filed 07-10-2025) raises the probability
- 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late raises the probability
- Sector Advertising, market research and public relations activities (NACE 73) lowers the probability
- Liquidity: current ratio 1.11, cash €28,104 lowers the probability
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.05 in 2023; short-term debt: 79.5% and cash: 31.2% of total assets), and 79.5% 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 73, micro). Better than this share of them on solvency 26%, liquidity 29%, profitability 23%, growth against the median 47%. 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 8968 sector peers (2024).
NBB · sector comparisonPosition among 8968 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
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. 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
48 d late
2022
21 d late
2021
23 d late
2020
9 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 32 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
- Highest result since 2020net €44,480 ▲217%
Key points
By topic
Timeline
- Events
- 7
- Since
- 2021
- 30-09-2025Annual accounts filed
- 17-09-2024Annual accounts filed
- 31-12-2023Highest result since 2020
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Public relations and communication consultancyNACE 73300
- Founded
- 09-10-2019
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.