Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Stressfactor is 1.0% (low). The 2024 annual accounts show negative equity (€-18k) and a net result of €-118k. Its solvency ranks better than 15% of 623 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 28-07-2025 | 3 d early | 2025-00332925 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Financials
Annual accounts & ratios
Source: NBB · 2024| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -4.3% | 45.7% | |
| Net result | €-118k | €8k | |
| Equity | €-18k | €29k | |
| Gross operating margin | €-32k | €23k | |
| Total assets | €426k | €75k |
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-33k |
| Net profit | €-118k |
| Cash flow | €-38k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €426k |
| Equity | €-18k |
| Debt | €444k |
| of which ≤ 1y | €398k |
| of which > 1y | - |
| Working capital | €-351k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 0.12 |
| Quick ratio | 0.12 |
| Working capital ratio | -82.4% |
| Solvency | -4.3% |
| Debt / equity | -24.10 |
| Long-term debt ratio | - |
| Interest coverage | -6.77 |
| Gross margin | - |
| Net margin | - |
| ROA | -27.8% |
| ROE | 642.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (19 line items)
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €426k |
| Fixed assets | 21/28 | €379k |
| Intangible fixed assets | 21 | €379k |
| Current assets | 29/58 | €47k |
| Amounts receivable within one year | 40/41 | €15k |
| Cash & bank | 54/58 | €32k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €426k |
| Equity | 10/15 | €-18k |
| Contributions / capital | 10/11 | €100k |
| Accumulated profits (losses) | 14 | €-118k |
| Amounts payable | 17/49 | €444k |
| Amounts payable within one year | 42/48 | €398k |
| Trade debts payable within one year | 44 | €28k |
| Income statement | ||
| Gross operating margin | 9900 | €-32k |
| Operating result | 9901 | €-114k |
| Financial charges | 65 | €5k |
| Result before taxes | 9903 | €-118k |
| Net result for the period | 9904 | €-118k |
| Result to be appropriated | 9905 | €-118k |
Health barometer
FY 2024 · computedThe full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13023G0169/02Z003 | Flanders | 1,487 m² | 1 · 245 m² | 10.2 m · 2 fl. |
Publications
Lifecycle & Insolvency Signals
Belgian State Gazette · acts
0 of 1 acts readWe 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.
The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
4 of 5 axes measuredMixed profile: strong on profitability, weaker on health.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | Stressfactor |