STUKJES
ActiveThe computed 12-month bankruptcy probability of STUKJES is 2.9% (moderate). The 2024 annual accounts show equity of €363k and a net result of €44k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 78% of 26046 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+25
Solvency92▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.0 against 2.48 in 2023; short-term debt: 33.3% and cash: 0.4% of total assets), and 33.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
68 d late
2023
105 d late
2022
56 d late
2021
211 d late
2020
254 d late
2019
143 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€363k▲ 13.6%
2023 · €319k
2019: €23k
2020: €69k
2021: €162k
2022: €286k
2023: €319k
2019 → 2024
Total assets
€544k▲ 1.9%
2023 · €534k
2019: €107k
2020: €246k
2021: €220k
2022: €352k
2023: €534k
2019 → 2024
Net result
€44k▲ 24.3%
2023 · €35k
2019: €13k
2020: €46k
2021: €51k
2022: €124k
2023: €35k
2019 → 2024
Working capital
€363k▲ 14.3%
2023 · €317k
2019: €16k
2020: €64k
2021: €154k
2022: €263k
2023: €317k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€69k-€162k▲ 135%€286k▲ 76.1%€319k▲ 11.6%€363k▲ 13.6%
Operating result€57k-€59k▲ 4.0%€166k▲ 181%€45k▼ 72.9%€67k▲ 49.6%
Net result€46k-€51k▲ 9.9%€124k▲ 143%€35k▼ 71.7%€44k▲ 24.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 50% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €544k
Fixed assets
€70▼ 96.1%
Current assets
€544k▲ 2.2%
Equity and liabilities €544k
Equity
€363k▲ 13.6%
Debt
€181k▼ 15.6%
The debt ratio falls from 40.2% to 33.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69k
Cash flow
€45k
Solvency
66.7%▲
2023 · 59.8%
Current ratio
3.00▲
2023 · 2.48
Quick ratio
1.48▼
2023 · 1.60
Debt / equity
0.50▼
2023 · 0.67
ROE
12.0%▲
2023 · 11.0%
ROA
8.0%▲
2023 · 6.6%
Interest coverage
10.20
Debt
€181k▼
2023 · €214k
Debt ≤ 1 year
€181k▼
2023 · €214k
Income taxes
€17k▲
2023 · €9k
Staff costs
€17k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€534k€544k▲
Fixed assets21/28€2k€70▼
Tangible fixed assets22/27€2k-
Plant, machinery and equipment23€2k-
Financial fixed assets28€70€70▼
Current assets29/58€532k€544k▲
Stocks and contracts in progress3€190k€276k▲
Stocks30/36€190k€276k▲
Amounts receivable within one year40/41€342k€266k▼
Trade receivables40€342k€225k▼
Other amounts receivable41-€40k
Cash at bank and in hand54/58-€2k
Equity and liabilities
Total equity and liabilities10/49€534k€544k▲
Equity10/15€319k€363k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€309k€353k▲
Amounts payable17/49€214k€181k▼
Amounts payable within one year42/48€214k€181k▼
Financial debts43€17k€30k▲
Credit institutions430/8€17k€30k▲
Trade debts44€83k€60k▼
Suppliers440/4€83k€60k▼
Taxes, remuneration and social security45€110k€91k▼
Taxes450/3€97k€72k▼
Remuneration and social security454/9€13k€19k▲
Other amounts payable47/48€4k-
Income statement
Code20232024
Remuneration, social security and pensions62-€17k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€1k€335▼
Gross operating margin9900€46k€86k▲
Operating profit (loss)9901€45k€67k▲
Financial income75/76B-€53
Recurring financial income75-€53
Financial charges65/66B€432€7k▲
Recurring financial charges65€432€7k▲
Profit (loss) for the period before taxes9903€45k€61k▲
Income taxes67/77€9k€17k▲
Profit (loss) for the period9904€35k€44k▲
Profit (loss) for the period to be appropriated9905€35k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€309k€353k▲
Profit (loss) brought forward from the previous period14P€274k€309k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
13-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 105 days late
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 211 days late
2022
31-12
Financial
Highest result since 2019net €124k ▲143%
Operating result €166k, net result €124k, both a record.
31-12
Financial
Equity above €200kEq €286k ▲76.1%
4 profitable years in a row build equity to €286k.
11-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 254 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 4.38
Current ratio from 1.40 to 4.38; short-term debt falls from €160k to €45k.
31-12
Financial
Equity above €150kEq €162k ▲135%
3 profitable years in a row build equity to €162k.
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 143 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Jans-Molenbeek · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Gentsesteenweg 4901080 Sint-Jans-MolenbeekGround area
309 m²
Building footprint
675 m²
Volume, LiDAR
5,626 m³
2 parcels, Brussels, Flanders · tallest building 16.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
STUKJES
since 20192.285.999.988
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002F0799/00X000 | Flanders | 234 m² | 1 · 600 m² | 11.7 m · 3 fl. |
| 21526D0289/00B008 | Brussels | 75 m² | 1 · 74 m² | 16.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 3,589 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-01-2019
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:xx@hotmal.com
Phone:024202000