Stoy-Tech
ActiveSummary
The computed 12-month bankruptcy probability of Stoy-Tech is 3.6% (moderate). The 2025 annual accounts show equity of €393 and a net result of -€287. Equity is shrinking by ~1074% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 14% of 28184 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 3 accounts on average 17 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
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Peer companies
Historical observationOf the 1,304 companies that looked in July 2024 the way this one looks now, 5.2% went bankrupt within 24 months and 92% are still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a small loss
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 1,304 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.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €752 | - |
| Other operating charges640/8 | €3,185 | €3,027 | €690 | ▼ 77.2% |
| Gross operating margin9900 | €22,625 | -€3,928 | €1,449 | ▲ 137% |
| Operating profit (loss)9901 | €19,440 | -€6,955 | €7 | ▲ 100% |
| Financial income75/76B | - | - | €1 | - |
| Recurring financial income75 | - | - | €1 | - |
| Financial charges65/66B | €459 | €346 | €360 | ▲ 3.9% |
| Recurring financial charges65 | €459 | €346 | €360 | ▲ 3.9% |
| Profit (loss) for the period before taxes9903 | €18,981 | -€7,301 | -€353 | ▲ 95.2% |
| Income taxes67/77 | €4,000 | - | -€65 | - |
| Profit (loss) for the period9904 | €14,981 | -€7,301 | -€287 | ▲ 96.1% |
| Profit (loss) for the period to be appropriated9905 | €14,981 | -€7,301 | -€287 | ▲ 96.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €22,423 | €13,275 | €4,278 | ▼ 67.8% |
| Fixed assets21/28 | - | - | €3,248 | - |
| Tangible fixed assets22/27 | - | - | €3,248 | - |
| Furniture and vehicles24 | - | - | €3,248 | - |
| Current assets29/58 | €22,423 | €13,275 | €1,030 | ▼ 92.2% |
| Amounts receivable within one year40/41 | €20,723 | €10,459 | €1 | ▼ 100.0% |
| Trade receivables40 | €20,723 | €4,296 | - | - |
| Other amounts receivable41 | - | €6,162 | €1 | ▼ 100.0% |
| Cash at bank and in hand54/58 | €1,701 | €2,816 | €1,029 | ▼ 63.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €22,423 | €13,275 | €4,278 | ▼ 67.8% |
| Equity10/15 | €14,981 | €679 | €393 | ▼ 42.1% |
| Contributions10/11 | - | - | €1 | - |
| Profit (loss) carried forward14 | €14,981 | €679 | €392 | ▼ 42.3% |
| Amounts payable17/49 | €7,443 | €12,595 | €3,885 | ▼ 69.2% |
| Amounts payable within one year42/48 | €7,443 | €12,595 | €3,885 | ▼ 69.2% |
| Trade debts44 | - | - | €878 | - |
| Suppliers440/4 | - | - | €878 | - |
| Taxes, remuneration and social security45 | €6,493 | €5,595 | €1,708 | ▼ 69.5% |
| Taxes450/3 | €6,420 | €5,595 | €1,708 | ▼ 69.5% |
| Remuneration and social security454/9 | €73 | - | - | - |
| Other amounts payable47/48 | €950 | €7,000 | €1,299 | ▼ 81.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,981 | -€7,301 | -€287 | ▲ 96.1% |
| + Depreciation and write-downs630 | - | - | €752 | - |
| Operating cash flow (approximation) | €14,981 | -€7,301 | €465 | ▲ 106% |
| Change in cash | - | €1,115 | -€1,787 | ▼ 260% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11344A0480/00L005 | Flanders | 2,066 m² | 1 · 254 m² | 23.2 m · 3 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.