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Stamsify

Active
Private limited company·Ontwerpen van computerprogramma’s· 3 yrs active
Onze-Lieve-Vrouwe-straat(E) 53 ·3630 Maasmechelen, Belgium
KBO/BCE: BE 0799.368.882
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Age3 yrs
Real estate1 parcel · 1,427 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Stamsify is 0.5% (very low). The 2025 annual accounts show equity of €80k and a net result of €45k. Equity is growing by ~97.6% per year across the filed fiscal years. Its solvency ranks better than 48% of 2749 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

2 signals · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend
Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-02-2026, 22 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.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 22-02-2026 22 d late 2026-00041603
30-06-2024 31-01-2025 26-01-2025 5 d early 2025-00010373
30-06-2023 31-01-2024 16-02-2024 16 d late 2024-00031709

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.5% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€45k+63.4%
Working capital€30k+3718.3%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 22-02-2026 with the NBB · fiscal year 2025 · micro
€0€20k€40k€60kOperating result 2023: €7k€7kNet result 2023: €6k€6kOperating result 2024: €37k€37kNet result 2024: €28k€28kOperating result 2025: €59k€59kNet result 2025: €45k€45k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~97.6%/year over 3 fiscal years, indicative, assuming unchanged policy.
€0€50k€100k€150k€200k2026: €116k (€109k - €122k)2027: €152k (€145k - €158k)2028: €187k (€181k - €194k)2023: €9k2024: €37k2025: €80k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 60.4% 62.2%
better than 48% of 2749 sector peers
Net result €45k €40k
better than 56% of 2751 sector peers
Equity €80k €62k
better than 59% of 2750 sector peers
Gross operating margin €72k €63k
better than 58% of 2751 sector peers
Total assets €133k €121k
better than 54% of 2751 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P48
2023: P61 · n=58012024: P27 · n=73362025: P48 · n=27492023 2025
Weakening position over 2023-2025 · n=2749-7336
Net result P56
2023: P24 · n=57972024: P46 · n=73332025: P56 · n=27512023 2025
Improving position over 2023-2025 · n=2751-7333
Equity P59
2023: P16 · n=58042024: P35 · n=73382025: P59 · n=27502023 2025
Improving position over 2023-2025 · n=2750-7338
Gross operating margin P58
2023: P16 · n=57932024: P39 · n=73272025: P58 · n=27512023 2025
Improving position over 2023-2025 · n=2751-7327
Describes the position versus peers, not a forecast.
EBITDA
€71k
+78.4% 23-25
Net profit
€45k
+63.4% 23-25
Cash flow
€58k
+87.6% 23-25
Total assets
€133k
+44.0% 23-25
Equity
€80k
+119.4% 23-25
Working capital
€30k
+3718.3% 23-25
Income taxes
€12k
+65.2% 23-25
Dividends
€2k
- 23-25
Debt
€53k
-5.6% 23-25
Debt ≤ 1y
€31k
+13.2% 23-25
Debt > 1y
€21k
-23.8% 23-25
Current ratio
1.96
+90.5% 23-25
Quick ratio
1.96
+90.5% 23-25
Solvency
60.4%
+52.3% 23-25
Debt / equity
0.66
-56.9% 23-25
ROE
56.4%
-25.5% 23-25
ROA
34.1%
+13.4% 23-25
Interest coverage
39.11
+104.7% 23-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€71k
Net profit€45k
Cash flow€58k
Staff costs-
Income taxes€12k
Dividends€2k
Total assets€133k
Equity€80k
Debt€53k
of which ≤ 1y€31k
of which > 1y€21k
Working capital€30k
Employees (FTE)-
Ratios (computed)
2025
Current ratio1.96
Quick ratio1.96
Working capital ratio22.4%
Solvency60.4%
Debt / equity0.66
Long-term debt ratio0.27
Interest coverage39.11
Gross margin-
Net margin-
ROA34.1%
ROE56.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€133k
Fixed assets 21/28€72k
Tangible fixed assets 22/27€72k
Current assets 29/58€61k
Amounts receivable within one year 40/41€35k
Cash & bank 54/58€24k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€133k
Equity 10/15€80k
Contributions / capital 10/11€3k
Reserves 13€77k
Amounts payable 17/49€53k
Amounts payable after one year 17€21k
Amounts payable within one year 42/48€31k
Income statement
Gross operating margin 9900€72k
Operating result 9901€59k
Financial charges 65€2k
Result before taxes 9903€57k
Income taxes 67/77€12k
Net result for the period 9904€45k
Result to be appropriated 9905€45k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Onze-Lieve-Vrouwe-straat(E) 533630 Maasmechelen

Establishment units

1 location
Stamsify
Onze-Lieve-Vrouwe-straat(E) 53, 3630 MaasmechelenUitgeven van overige software
since 20232.342.551.186
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,427 m²
Buildings1
Building footprint168 m²
Volume (LiDAR)872 m³
Tallest building8.6 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73013D0565/00A000 Flanders 1,427 m² 1 · 168 m² 8.6 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
Company purpose
zowel in België als in het buitenland, voor eigen rekening of voor rekening van derden, of door deelname van dezen: 1. Programmatie van computerprogramma’s, het ontwikkelen en exploiteren van AI-tools, SaaSoplossingen en digitale producten -Het ontwerpen, analyseren, ontwikkelen, programmeren, implementeren, beheren, onderhouden, licentiëren en commercialiseren van softwaretoepassingen, mobiele applicaties, webplatformen, cloudoplossingen, digitale systemen en toepassingen gebaseerd op artificiële intelligentie; Het installeren en onderhouden van professionele back-up systemen; • Het ontwerpe
Per act of 09-06-2026
Capital history · 1
09-06-2026
Founding capital: amount: 5000, shares: 10000, currency: EUR, price_per_share: 0.5
Address history · 1
06-11-2023
Registered-office move
All acts · 2 updated 2 months ago
2026
09-06-2026 Notarial deed · Incorporation · Founder · Financial plan submission Open-capture extraction·Vanuytrecht Joséfine
  • Filing: 2026-06-05 · Fuely Technology Group
  • Publication: 2026-06-09 · Fuely Technology Group
  • Notarial deed: 2026-06-04 · Fuely Technology Group
  • Incorporation: 2026-06-04 · Fuely Technology Group
  • Founder · Fuely Technology Group
  • Founder · Fuely Technology Group
  • Financial plan submission: 2026-05-24 · Fuely Technology Group
  • Founding capital: amount: 5000, shares: 10000, currency: EUR, price_per_share: 0.5 · Fuely Technology Group
  • Share distribution: amount: 2500, shares: 5000, currency: EUR · Fuely Technology Group
  • Share distribution: amount: 2500, shares: 5000, currency: EUR · Fuely Technology Group
  • Officer appointment: role: bestuurder, duration: onbepaalde duur · Fuely Technology Group
  • Officer appointment: role: bestuurder, duration: onbepaalde duur · Fuely Technology Group
  • Permanent representative · Stamsify BV
  • Permanent representative · WEOP BV
  • Permanent representative · Fuely Technology Group
  • Permanent representative · Fuely Technology Group
  • Mandate compensation: bezoldigd behoudens andersluidende beslissing · Fuely Technology Group
  • Power of attorney · Fuely Technology Group
  • Power of attorney · ACCOUNTING CROWS BV
  • First fiscal year: end: 2026-12-31, start: 2026-06-05 · Fuely Technology Group
  • Annual meeting schedule: laatste vrijdag van de maand juni · Fuely Technology Group
  • Pre incorporation ratification: 2026-01-01 · Fuely Technology Group
  • Purpose: zowel in België als in het buitenland, voor eigen rekening of voor rekening van derden, of door deelname van dezen: 1. Programmatie van computerprogramma’s, het ontwikkelen en exploiteren van AI-tools, SaaSoplossingen en digitale producten -Het ontwerpen, analyseren, ontwikkelen, programmeren, implementeren, beheren, onderhouden, licentiëren en commercialiseren van softwaretoepassingen, mobiele applicaties, webplatformen, cloudoplossingen, digitale systemen en toepassingen gebaseerd op artificiële intelligentie; Het installeren en onderhouden van professionele back-up systemen; • Het ontwerpe
  • Act object: OPRICHTING
Summary: Notarial deed · Incorporation · Founder · Financial plan submissionNotary: Vanuytrecht Joséfine
2023
06-11-2023 Registered office moved from Kinrooi to Maasmechelen Registered-office change
  • Pekstraatje (Oph) 10, 3640 Kinrooi → Onze-Lieve-Vrouwe-straat 53, 3630 Maasmechelen

Analysis

Snowflake analysis

financial profile on 5 axes
Health100Profitability100Solvency98Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 98
Growth 78
Stability 94

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,789 of the 16,726 companies in this sector. 2,270 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Overige uitgeverijen van software58290Uitgeven van overige software58290Overige diensten op het gebied van informatietechnologie en computer62090Overige diensten op het gebied van informatietechnologie en computer62900Computerinfrastructuur, gegevensverwerking, hosting en aanverwante activiteiten63100Gegevensverwerking, webhosting en aanverwante activiteiten63110Webportalen63120Activiteiten van webportalen63910
Primary activity highlighted.
Names & trade names
Legal nameNL Stamsify
Registered office
Onze-Lieve-Vrouwe-straat(E) 53
3630 Maasmechelen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.