Stuff
ActiveSummary
Stuff has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27,536 and a net result of €58,436. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 15% of 3542 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency75▲+65
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 2.0 against 0.05 in 2024; short-term debt: 49.9% and cash: 99.9% of total assets), and 49.9% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
50.1%
Return on assets
106.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
1819202122232425
2018 to 2025 · latest year €27,536
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 10 filingsDeviation from the deadline
2025
54 d late
2024
61 d late
2023
29 d late
2022
29 d late
2021
27 d late
2020
60 d late
2019
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 46 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
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, micro schema
Equity
€27,536
2024 · -€30,900
Total assets
€54,961▼ 74.1%
2024 · €212,455
Net result
€58,436
2024 · -€47,440
Working capital
€27,536
2024 · -€231,503
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€323▲ 97.2%-€16,935▼ 5,145%-€22,075▼ 30.3%-€47,319▼ 114%€58,484
Net result-€518▲ 95.5%-€2,026▼ 291%€1,675-€47,440€58,436
Equity€16,891▼ 3.0%€14,865▼ 12.0%€16,540▲ 11.3%-€30,900€27,536
Total assets€266,034▼ 12.8%€302,878▲ 13.8%€285,297▼ 5.8%€212,455▼ 25.5%€54,961▼ 74.1%
Debt€249,143▼ 13.3%€288,013▲ 15.6%€268,757▼ 6.7%€243,355▼ 9.5%€27,425▼ 88.7%
Working capital-€218,216▲ 0.8%-€226,494▼ 3.8%-€206,263▲ 8.9%-€231,503▼ 12.2%€27,536
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €58,484 after a loss of €47,319 in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €54,961
Equity
€27,536
Debt
€27,425
Debt finances 49.9% of the balance-sheet total.
Key figures and ratios
Current ratio
2.00▲
2024 · 0.05
Debt to equity
1.00▲
2024 · -7.88
ROE
212.2%
ROA
106.3%▲
2024 · -22.3%
Debt ≤ 1 year
€27,425▼
2024 · €243,355
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €297,675 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,102 | €31,153 | - | €23,755 | - | - |
| Other operating charges640/8 | €1,888 | €2,228 | €1,921 | €1,889 | €1,201 | ▼ 36.4% |
| Non-recurring operating charges66A | - | €14,140 | €19,314 | - | €233,851 | - |
| Gross operating margin9900 | €25,668 | €30,586 | -€840 | -€21,675 | €293,535 | ▲ 1,454% |
| Operating profit (loss)9901 | -€323 | -€16,935 | -€22,075 | -€47,319 | €58,484 | ▲ 224% |
| Financial income75/76B | €86 | €15,000 | €23,851 | €8 | €38 | ▲ 380% |
| Recurring financial income75 | €86 | €15,000 | €151 | €8 | €38 | ▲ 380% |
| Non-recurring financial income76B | - | €15,000 | €23,700 | - | - | - |
| Financial charges65/66B | €281 | €91 | €101 | €129 | €86 | ▼ 33.6% |
| Recurring financial charges65 | €281 | €91 | €101 | €129 | €86 | ▼ 33.6% |
| Profit (loss) for the period before taxes9903 | -€518 | -€2,026 | €1,675 | -€47,440 | €58,436 | ▲ 223% |
| Profit (loss) for the period9904 | -€518 | -€2,026 | €1,675 | -€47,440 | €58,436 | ▲ 223% |
| Profit (loss) for the period to be appropriated9905 | -€518 | -€2,026 | €1,675 | -€47,440 | €58,436 | ▲ 223% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €266,034 | €302,878 | €285,297 | €212,455 | €54,961 | ▼ 74.1% |
| Fixed assets21/28 | €235,107 | €242,181 | €224,358 | €200,602 | - | - |
| Tangible fixed assets22/27 | €235,107 | €242,181 | €224,358 | €200,602 | - | - |
| Land and buildings22 | €181,437 | €180,575 | €180,575 | €167,819 | - | - |
| Plant, machinery and equipment23 | €10,558 | €9,686 | €11,177 | €8,256 | - | - |
| Furniture and vehicles24 | €43,112 | €51,919 | €32,605 | €24,527 | - | - |
| Current assets29/58 | €30,927 | €60,697 | €60,940 | €11,852 | €54,961 | ▲ 364% |
| Stocks and contracts in progress3 | €23,759 | €41,909 | €30,159 | €10,159 | - | - |
| Stocks30/36 | €23,759 | €41,909 | €30,159 | €10,159 | - | - |
| Amounts receivable within one year40/41 | €4,180 | €17,833 | €12,629 | €1,688 | - | - |
| Trade receivables40 | €3,381 | €17,034 | €11,830 | €1,675 | - | - |
| Other amounts receivable41 | €799 | €799 | €799 | €13 | - | - |
| Cash at bank and in hand54/58 | €2,989 | €956 | €17,104 | €6 | €54,894 | ▲ 924,037% |
| Deferred charges and accrued income490/1 | - | - | €1,048 | - | €68 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €266,034 | €302,878 | €285,297 | €212,455 | €54,961 | ▼ 74.1% |
| Equity10/15 | €16,891 | €14,865 | €16,540 | -€30,900 | €27,536 | ▲ 189% |
| Contributions10/11 | €89,592 | €89,592 | €89,592 | €89,592 | €89,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€74,560 | -€76,586 | -€74,911 | -€122,351 | -€63,915 | ▲ 47.8% |
| Amounts payable17/49 | €249,143 | €288,013 | €268,757 | €243,355 | €27,425 | ▼ 88.7% |
| Amounts payable within one year42/48 | €249,143 | €287,191 | €267,203 | €243,355 | €27,425 | ▼ 88.7% |
| Financial debts43 | - | - | - | €1,478 | - | - |
| Credit institutions430/8 | - | - | - | €1,478 | - | - |
| Trade debts44 | €14,181 | €5,498 | €1,456 | €6,282 | - | - |
| Suppliers440/4 | €14,181 | €5,498 | €1,456 | €6,282 | - | - |
| Taxes, remuneration and social security45 | €3,201 | €15,512 | €7,024 | €242 | €27,388 | ▲ 11,206% |
| Taxes450/3 | €3,201 | €15,512 | €7,024 | €242 | €27,388 | ▲ 11,206% |
| Other amounts payable47/48 | €231,761 | €266,181 | €258,723 | €235,352 | €37 | ▼ 100.0% |
| Accrued charges and deferred income492/3 | - | €821 | €1,554 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€518 | -€2,026 | €1,675 | -€47,440 | €58,436 | ▲ 223% |
| + Depreciation and write-downs630 | €24,102 | €31,153 | - | €23,755 | - | - |
| Operating cash flow (approximation) | €23,584 | €29,128 | €1,675 | -€23,685 | €58,436 | ▲ 347% |
| Investment in fixed assets (approximation) | - | -€38,227 | €17,823 | €0 | - | - |
| Change in cash | - | -€2,033 | €16,148 | -€17,098 | €54,888 | ▲ 421% |
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
Next filing, fiscal year 2026, expected by
2026
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
2025
31-12
Financial
Back to profitnet €58,436
Net result €58,436 after one loss-making year.
31-12
Financial
Liquidity times 41current ratio 2.00
Current ratio from 0.05 to 2.00; short-term debt falls from €243,355 to €27,425.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet -€47,440
Net result drops to -€47,440, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €1,675
Net result €1,675 after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Back to profitnet €3,420
Net result €3,420 after one loss-making year.
Show earlier events
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bilzen-Hoeselt · 1 establishment unit since 2000
Ground area
673 m²
Building footprint
121 m²
Volume, LiDAR
137 m³
Parcel 73006H0305/00K000, Flanders · tallest building 9.5 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Stuff
since 20002.091.958.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006H0305/00K000 | Flanders | 673 m² | 1 · 120 m² | 9.4 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MAESEN
BE 0453.184.394
Aalst · Eq €16,468
MAROLA
BE 0874.341.073
Lommel · Eq €16,436
VAN SERVICE
BE 1024.986.627
Overijse · Eq €16,646
KARHUSAL
BE 0810.212.690
Elsene · Eq €16,378
NICOLAS RIES AUTOMOBILES
BE 0664.792.468
Namur · Eq €16,811
Of 7,376 companies in sector 95311 we hold annual accounts for 2,961. 1,494 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-05-1999
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
41001General construction of residential buildings
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
60100Programming, broadcasting, news agency and other content distribution activities
68110Buying and selling of own real estate
95314Bodywork repair (including spraying and painting)
Scores and ratios are computed by Checked and are not a credit decision.