Turnover
≈ €350,000 estimated
The micro format states no turnover.
STTM
Lifetime
1 annual account with figurespeak €114,425 (2025)
€114,425
peak €76,234 (2025)
€76,234
peak €79,234 (2025)
€79,234
€327,558
Board2 names since 2024
1 directorSwinnen Tim
Documentsfilings and deeds
15-10-202676 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€327,558 81% of the balance sheet
Financial debts 10%Suppliers 54%Taxes and wages 15%Other 21%
Of this, €293,636 falls due within a year.
Position in the sector
€76,234
Higher net result than 92% of companies in repair of computers and personal goods. Sector median €8,386 · 3,328 companies.
2025 accounts filed 76 days after the deadline
Checked score
54
Fair
Financially stronger than 45% of micro companies in repair of computers and personal goods (NACE 95)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.5% across 5,138 companies (NACE 95, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 1.8%lowest value
02-2026: 1.9%▲ +0.1 percentage points vs 01-2026
03-2026: 1.9%● unchanged vs 02-2026
04-2026: 2.3%▲ +0.4 percentage points vs 03-2026
05-2026: 2.3%● unchanged vs 04-2026
06-2026: 2.6%▲ +0.3 percentage points vs 05-2026
07-2026: 2.8%▲ +0.2 percentage points vs 06-2026
08-2026: 2.9%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 2.8%▼ -0.1 percentage points vs 08-2026
10-2026: 1.9%▼ -0.9 percentage points vs 09-2026
11-2026: 2.0%▲ +0.1 percentage points vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 76 days late; 1 of the last 3 accounts late
Founded in 2024
Sector: Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
lowers risk
Liquidity: current ratio 1.17, cash €59,184
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro). It does better than 30% of them on solvency, 21% on liquidity and 82% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,390 companies had the same profile as STTM has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of STTM itself is higher: 2.0% within 12 months. It rests on far more data about STTM than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,390 companies, not a prediction for STTM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.17, below the usual 1.5. Short-term debt is 72.2% and cash 14.5% of total assets. 80.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 76 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-10-2026, 76 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
76 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017161103
First establishment
Bekaertlaan 6A, Dilsen-Stokkem
Incorporation
Issue of 100 shares · Appointments: Swinnen Tim (director) and DOHMEN Stephanie Guillaume Luciene (director) · Registered office clause: Bekaertlaan 6a, 3650 Lanklaar · published on 12-12-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STTM Dilsen-Stokkem | €406,792 | €114,425 | 19.5% | - |
| GARAGE CARBONEZ WIM Bredene | €321,330 | €117,930 | 18.0% | - |
| CP2 Motors Genk | €625,446 | €117,494 | 12.0% | - |
| RM Automobile Welkenraedt | €384,226 | €138,122 | 30.7% | - |
| LIEVEN GARDIN Wingene | €284,005 | €121,230 | 8.8% | - |
| THIRY AUTOMOBILE Liège | €411,501 | €79,640 | 3.8% | - |
| CVS MOTORS Villers-la-Ville | €333,329 | €124,732 | 25.0% | - |
These companies have the same main activity as STTM: general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311). They are comparable in size and age: total assets between €284,000 and €625,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 10-12-2024Normal situation
- Activity
- General maintenance and repair of cars and light vans (up to 3.5 tonnes)NACE 95311and 4 others
- Establishment unit
- 2.367.355.9673650 Dilsen-Stokkem, since 13-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 10-02-2026
Insights on STTM
The computed 12-month bankruptcy probability of STTM is 2.0% (moderate). The 2025 annual accounts show equity of €79,234 and a net result of €76,234.
Its solvency ranks better than 32% of 3,329 sector peers (NACE 95, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STTM
- What is the company number of STTM?
- The company number of STTM is 1017.161.103. The VAT number is the same number with BE in front: BE 1017.161.103.
- Where is STTM based?
- The registered office is at Bekaertlaan 6A, 3650 Dilsen-Stokkem.Company details
- What does STTM do?
- According to the KBO register, the main activity is general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311).
- What is the legal form of STTM?
- STTM is a private limited company (BV).
- When was STTM founded?
- STTM was founded on 10-12-2024.
- Is STTM still active?
- Yes, STTM is an active enterprise in the KBO register.
- What is the turnover of STTM?
- The turnover in financial year 2025 is ≈ €350,000. This figure is estimated from the gross margin of €114,425 and 44 comparable companies (NACE 953). It probably lies between €270,000 and €460,000.Financials
- Is STTM profitable?
- In financial year 2025, STTM made a profit of €76,234.
- Where can I find the annual accounts of STTM?
- STTM filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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