Equity
€204,079 from €446,907 in 2017
Equity fell by 54% in 8 years.
STYMATIC
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €151,633 (2022)
€48,792▲ 614%
lowest -€84,660 (2018)
€13,924▲ €35,910
peak €446,907 (2017)
€204,079▲ 7.3%
€124,398▼ 3.6%
Board1 name since 2002
1 directorMAES Steven
Documentsfilings and deeds
30-07-20261 day before the deadline
2025micro format
Gross margin from €6,830 to €48,792Back to profit: €13,924Cash from €107,966 to €193,187
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 55% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026highest value
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 1.93, cash €193,187
Size: total assets €343,477
Sector: Activities of head offices; management consultancy activities (NACE 70)
Equity €204,079 (59.4% of total assets)
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 70, micro). It does better than 54% of them on solvency, 77% on liquidity, 35% on profitability and 54% on growth.
The bankruptcy probability was computed on 10-11-2026 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 very low class on 30-06-2025, 0.1% 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, 17,041 companies had the same profile as STYMATIC has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STYMATIC itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 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 17,041 companies, not a prediction for STYMATIC. 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 €19,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.93 (1.6 in 2024), above the usual 1.5. Short-term debt is 34.7% and cash 56.2% of total assets. 40.6% 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
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
42 days early
2023
34 days early
2022
31 days early
2021
32 days early
2020
31 days early
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 29 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0478749636
Change of role: MAES Steven, from manager to director
Director discharge: MAES Steven · General meeting of 12-05-2023 · Gazette deed
First establishment
Merelstraat 95, Zonhoven
Incorporation
published on 19-11-2002 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STYMATIC Zonhoven | €343,477 | €48,792 | 59.4% | - |
| D & D VALUE Zonhoven | €413,603 | €46,598 | 97.6% | - |
| RAFLEM Bilzen-Hoeselt | €319,449 | €50,023 | 82.3% | - |
| BW-MANAGEMENT As | €397,650 | €45,512 | 33.8% | - |
| PEHI Tongeren-Borgloon | €354,727 | €48,628 | 16.9% | 0 |
| GLA(N)SRIJK WONEN Alken | €343,301 | €50,522 | 87.6% | - |
| LMJ Bree | €379,061 | €48,898 | 3.5% | - |
These companies have the same main activity as STYMATIC: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €319,000 and €414,000, founded between 1999 and 2006.
Official details
Source: KBO- Status
- Active since 08-11-2002Normal situation
- Activity
- Business and other management consultancyNACE 70200and 3 others
- Establishment unit
- 2.114.785.2883520 Zonhoven, since 17-01-2003
- Financial year end
- 31 December
- Peppol
- Reachable since 30-07-2025
Annual accounts 2025
- €343,477▲ 2.8%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on STYMATIC
STYMATIC files the micro format. That format states no turnover. The gross margin fell from €115,746 in 2006 to €48,792 in 2025.
The balance sheet grew most from 2008 to 2010 through fixed assets.
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 STYMATIC
- What is the company number of STYMATIC?
- The company number of STYMATIC is 0478.749.636. The VAT number is the same number with BE in front: BE 0478.749.636.
- Where is STYMATIC based?
- The registered office is at Merelstraat 95, 3520 Zonhoven.Company details
- What does STYMATIC do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of STYMATIC?
- STYMATIC is a private limited company (BV).
- When was STYMATIC founded?
- STYMATIC was founded on 08-11-2002.
- Is STYMATIC still active?
- Yes, STYMATIC is an active enterprise in the KBO register.
- What is the turnover of STYMATIC?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €48,792 and 144 comparable companies (NACE 70200). It probably lies between €85,000 and €200,000.Financials
- Is STYMATIC profitable?
- In financial year 2025, STYMATIC made a profit of €13,924.
- Where can I find the annual accounts of STYMATIC?
- STYMATIC filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STYMATIC due?
- STYMATIC must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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