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VISHANDEL STELOY

Active
Private limited companyfounded 1975active for 51 yearsAntwerpsestraat 58, 2640 Mortsel, BelgiumKBO/BCE: BE 0415.382.902

From the official registers: KBO 49 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

VISHANDEL STELOY has been active since 1975 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €397,366 and a net result of €51,910. Equity has been growing by about 14% per year since 2018. Its solvency ranks better than 45% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

KBO
Status
Active since 01-08-1975 Normal situation
Legal form
Private limited company
Registered office
Antwerpsestraat 58, 2640 Mortsel
Activity
Retail trade NACE 47230and 2 others
Establishment unit
2.011.319.249 2640 Mortsel, since 01-08-1975
Financial year end
31 December
Peppol
Reachable since 27-08-2023

Board and ownership

Board
  • Roeffaers GertjanDirector

Financial position

93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€408,015
▲ 13.5%
Turnover
≈ €2.0m
estimated
Profit
€51,910
▲ 62.2%
Equity
€397,366
▼ 25.5%
Total assets
€1.2m
▲ 0.2%
Staff
5.9 FTE
▼ 7.8%
2025 accounts filed 126 days before the deadline
Filed on 27-03-2026PDF
Score breakdownraises riskSector: Retail trade (NACE 47)lowers riskFounded in 1975Liquidity: current ratio 1.23, cash €590,276Size: 5.9 FTE, total assets €1.2mShow the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 52% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 57-11
equity 32.0% of total assets
Liquidity 80-9
short-term debt 41.8% · cash 47.6%
Profitability 74+2
return on assets 4.2%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 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%▼ -0.1 percentage points vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: 0.1%▲ +0.1 percentage points vs 03-2026highest value 05-2026: 0.1%● unchanged vs 04-2026highest value 06-2026: 0.1%● unchanged vs 05-2026highest value 07-2026: 0.1%● unchanged vs 06-2026highest value 08-2026: 0.1%● unchanged vs 07-2026highest value 09-2026: 0.1%● unchanged vs 08-2026highest value 10-2026: 0.1%● unchanged vs 09-2026highest value
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.23 (1.59 in 2024), below the usual 1.5. Short-term debt is 41.8% and cash 47.6% of total assets. 68% of the assets are financed with debt and provisions.
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 47, micro). It does better than 48% of them on solvency, 84% on liquidity, 59% on profitability and 17% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 1975
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 1.23, cash €590,276
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Size: 5.9 FTE, total assets €1.2m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 27-03-2026, 126 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
126 days early
2024
7 days early
2023
36 days early
2022
11 days early
2021
24 days early
2020
50 days early
2019
15 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 38 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 7 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 7th oldest company in Mortsel, Wholesale and retail trade sectorin the Checked rankings No. 7 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €51,910 8 years View
  • Caution: Equity fell in 2025from €533,218 to €397,366 ▼ 25.5% View

Documents

Annual accounts at the NBB

All 49 annual accounts

Articles and registers

Key facts about VISHANDEL STELOY

What is the company number of VISHANDEL STELOY?
The company number of VISHANDEL STELOY is 0415.382.902. The VAT number is the same number with BE in front: BE 0415.382.902.
Where is VISHANDEL STELOY based?
The registered office is at Antwerpsestraat 58, 2640 Mortsel.Company details
What does VISHANDEL STELOY do?
According to the KBO register, the main activity is retail trade (NACE 47230).
What is the legal form of VISHANDEL STELOY?
The legal form of VISHANDEL STELOY is Private limited company (BV).
When was VISHANDEL STELOY founded?
VISHANDEL STELOY was founded on 01-08-1975.
Is VISHANDEL STELOY still active?
Yes, VISHANDEL STELOY is an active enterprise in the KBO register.
How many employees does VISHANDEL STELOY have?
VISHANDEL STELOY had an average of 5.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of VISHANDEL STELOY?
The turnover in financial year 2025 is ≈ €2.0m. This figure is estimated from the gross margin of €408,015 and 30 comparable companies (NACE 472). It probably lies between €1.4m and €2.8m.
Is VISHANDEL STELOY profitable?
In financial year 2025, VISHANDEL STELOY made a profit of €51,910.
Where can I find the annual accounts of VISHANDEL STELOY?
VISHANDEL STELOY filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of VISHANDEL STELOY due?
VISHANDEL STELOY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Comparable companies

These companies have the same main activity as VISHANDEL STELOY: retail trade (NACE 47230). They are comparable in size and age: total assets between €544,000 and €1.7m, founded between 1988 and 2004.

CompanyTotal assetsGross margin
VISHANDEL STELOY Mortsel€1.2m€0.4m
LUC VIS Sint-Katelijne-Waver€0.9m€0.4m
LAEVERS Diest€0.9m€0.4m
CORNETTE FISH Oostende€0.6m€0.3m
Vishandel Janssens Oostende€0.5m€0.7m
MEEUSEN ZEEVISHANDEL Zelzate€1.7m€0.3m
POISSONNERIE L'OCEANE Wanze€0.7m€0.3m
Full comparison

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