STUBIS
ActiveSummary
STUBIS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€219,256) and a net result of -€20,716. Equity is shrinking by ~12.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.5% (low).
Checked 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
This company filed its last 7 accounts on average 56 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
History
Go further with this company
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Click a name to add, emphasise or remove a line.
Peer companies
Historical observationOf the 1,217 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- negative equity
- a small loss
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.5% 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 497,662 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% | 1.7% |
| 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 75% 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 1,217 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €7,555 | - | - | - | - | - |
| Other operating charges640/8 | €774 | €302 | €923 | €2,980 | €520 | ▼ 82.6% |
| Gross operating margin9900 | -€4,682 | -€2,430 | -€3,011 | -€8,405 | -€6,483 | ▲ 22.9% |
| Operating profit (loss)9901 | -€13,010 | -€2,732 | -€3,934 | -€11,385 | -€7,003 | ▲ 38.5% |
| Financial income75/76B | - | - | - | €110 | €25 | ▼ 76.9% |
| Recurring financial income75 | - | - | - | €110 | €25 | ▼ 76.9% |
| Financial charges65/66B | €12,478 | €12,769 | €12,884 | €13,290 | €13,738 | ▲ 3.4% |
| Recurring financial charges65 | €12,478 | €12,769 | €12,884 | €13,290 | €13,738 | ▲ 3.4% |
| Profit (loss) for the period before taxes9903 | -€25,488 | -€15,501 | -€16,818 | -€24,564 | -€20,716 | ▲ 15.7% |
| Income taxes67/77 | €4,640 | - | - | - | - | - |
| Profit (loss) for the period9904 | -€30,128 | -€15,501 | -€16,818 | -€24,564 | -€20,716 | ▲ 15.7% |
| Profit (loss) for the period to be appropriated9905 | -€30,128 | -€15,501 | -€16,818 | -€24,564 | -€20,716 | ▲ 15.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €534,156 | €517,134 | €515,515 | €515,200 | €516,632 | ▲ 0.3% |
| Fixed assets21/28 | €515,200 | €515,200 | €515,200 | €515,200 | €515,200 | = |
| Tangible fixed assets22/27 | €515,200 | €515,200 | €515,200 | €515,200 | €515,200 | = |
| Other tangible fixed assets26 | €515,200 | €515,200 | €515,200 | €515,200 | €515,200 | = |
| Current assets29/58 | €18,956 | €1,934 | €315 | €0 | €1,432 | - |
| Amounts receivable within one year40/41 | €2,684 | €840 | €315 | €0 | - | - |
| Trade receivables40 | €358 | €177 | - | - | - | - |
| Other amounts receivable41 | €2,326 | €663 | €315 | €0 | - | - |
| Current investments50/53 | - | - | - | - | €1,432 | - |
| Cash at bank and in hand54/58 | €16,272 | €1,094 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €534,156 | €517,134 | €515,515 | €515,200 | €516,632 | ▲ 0.3% |
| Equity10/15 | -€141,657 | -€157,158 | -€173,976 | -€198,540 | -€219,256 | ▼ 10.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Uncalled capital101 | €12,400 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€147,857 | -€163,358 | -€180,176 | -€204,740 | -€225,456 | ▼ 10.1% |
| Amounts payable17/49 | €675,813 | €674,292 | €689,491 | €713,740 | €735,888 | ▲ 3.1% |
| Amounts payable after more than one year17 | €596,386 | €607,452 | €618,692 | €630,171 | €641,831 | ▲ 1.9% |
| Other amounts payable178/9 | €596,386 | €607,452 | €618,692 | €630,171 | €641,831 | ▲ 1.9% |
| Amounts payable within one year42/48 | €76,281 | €63,347 | €68,199 | €82,098 | €92,884 | ▲ 13.1% |
| Trade debts44 | €28 | €3,860 | €2,530 | €6,407 | €0 | ▼ 100% |
| Suppliers440/4 | €28 | €3,860 | €2,530 | €6,407 | €0 | ▼ 100% |
| Other amounts payable47/48 | €76,253 | €59,487 | €65,669 | €75,691 | €92,884 | ▲ 22.7% |
| Accrued charges and deferred income492/3 | €3,146 | €3,494 | €2,600 | €1,472 | €1,173 | ▼ 20.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€30,128 | -€15,501 | -€16,818 | -€24,564 | -€20,716 | ▲ 15.7% |
| Operating cash flow (approximation) | -€30,128 | -€15,501 | -€16,818 | -€24,564 | -€20,716 | ▲ 15.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€15,178 | - | - | - | - |
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 10 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. |
|---|---|---|---|---|
| 11803C0480/00S005 | Flanders | 1,985 m² | 1 · 1,547 m² | 48.2 m · 9 fl. |
Linked by address, not proof of ownership
Structure & network
Owners and holdings
1 ownerChain of control
- XIOR STUDENT HOUSING
- STUBIS
Highest known parent: XIOR STUDENT HOUSING. The sources do not say who stands above it.
Owners 1
- XIOR STUDENT HOUSINGparentSourceown accounts 2025100%
Holdings 0
The accounts to 31-12-2025 list no holdings, and no other source names one.
According to the 2025 annual accounts of STUBIS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.