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STBB

Active
Private limited company (pre-2019)·Handel in eigen onroerend goed· 11 yrs active
Sint-Lutgardisstraat 26 ·3800 Sint-Truiden, Belgium
Open bankruptcy
KBO/BCE: BE 0561.901.796
Watch Print / PDF
Age11 yrs
Real estate1 parcel · 193 m²

Summary

Conclusion

the dossier summarised in one paragraph

A bankruptcy procedure is open for STBB according to publications in the Belgian State Gazette. The file additionally contains 2 judicial reorganisations. The 2023 annual accounts show negative equity (€-599k).

Based on the State Gazette, CBE and 4 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Insolvency timeline

3 events
08-04-2025
Bankruptcy Opening
Date: 27-03-2025 · Ondernemingsrechtbank Antwerpen, afdeling Hasselt · STBB BV SINT-LUTGARDIS- STRAAT 26, 3800 SINT-TRUIDEN · Publications in State Gazette ↗
05-10-2023
Judicial reorganisation Plan homologation
Date: 29-09-2023 · Ondernemingsrechtbank Antwerpen · 20230018 · Publications in State Gazette ↗
05-07-2023
Judicial reorganisation Opening
Date: 30-06-2023 · Ondernemingsrechtbank Antwerpen · collectif · Publications in State Gazette ↗

Signals

Insufficient current data: the most recent filed accounts (financial year 2023) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide
Filing behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
How we compute the deadline
The year end is derived from 7 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 30-06-2023, that is 31-01-2024.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 nothing on record not filed -
30-06-2024 31-01-2025 nothing on record not filed -
30-06-2023 31-01-2024 30-06-2024 151 d late 2024-00184150
30-06-2022 31-01-2023 17-09-2023 229 d late 2023-00447296
30-06-2021 31-01-2022 31-05-2022 120 d late 2022-20039156
30-06-2019 31-01-2020 25-06-2020 146 d late 2020-20200012
30-06-2017 31-01-2018 28-02-2018 28 d late 2018-05800500
30-06-2016 31-01-2017 31-03-2017 59 d late 2017-09000350
30-06-2015 31-01-2016 25-05-2016 115 d late 2016-13500090

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
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-678k-27474.6%
Working capital€-342k-7.2%
Directors3

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 30-06-2024 with the NBB · fiscal year 2023 · micro
€-800k€-600k€-400k€-200k€0Operating result 2019: €26k€26kNet result 2019: €20k€20kOperating result 2021: €21k€21kNet result 2021: €-2k€-2kOperating result 2022: €-504k€-504kNet result 2022: €-678k€-678k2019202120222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -124.0% 17.5%
better than 5% of 4269 sector peers
Equity €-599k €26k
better than 5% of 4270 sector peers
Total assets €483k €280k
better than 64% of 4269 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 P5
2021: P34 · n=17492022: P5 · n=31872023: P5 · n=42692021 2023
Weakening position over 2021-2023 · n=1749-4269
Equity P5
2021: P66 · n=17502022: P5 · n=31902023: P5 · n=42702021 2023
Weakening position over 2021-2023 · n=1750-4270
Total assets P64
2021: P80 · n=17502022: P64 · n=31882023: P64 · n=42692021 2023
Weakening position over 2021-2023 · n=1750-4269
Describes the position versus peers, not a forecast.
EBITDA
€41k
- 19-23
Net profit
€-678k
-27474.6% 19-23
Cash flow
€35k
- 19-23
Total assets
€483k
+7.0% 19-23
Equity
€-599k
0.0% 19-23
Working capital
€-342k
-7.2% 19-23
Income taxes
€173k
+6559.3% 19-23
Debt
€987k
+3.3% 19-23
Debt ≤ 1y
€825k
+7.7% 19-23
Debt > 1y
€162k
-14.3% 19-23
Current ratio
0.59
+0.3% 19-23
Quick ratio
0.11
+53.3% 19-23
Solvency
-124.0%
+6.5% 19-23
Debt / equity
-1.65
-3.3% 19-23
ROE
113.2%
- 19-23
ROA
-150.2%
-58332.5% 19-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA-
Net profit-
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€483k
Equity€-599k
Debt€987k
of which ≤ 1y€825k
of which > 1y€162k
Working capital€-342k
Employees (FTE)-
Ratios (computed)
2023
Current ratio0.59
Quick ratio0.11
Working capital ratio-70.8%
Solvency-124.0%
Debt / equity-1.65
Long-term debt ratio-0.27
Interest coverage-
Gross margin-
Net margin-
ROA-
ROE-
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€483k
Current assets 29/58€483k
Stocks & contracts in progress 3€393k
Amounts receivable within one year 40/41€90k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€483k
Equity 10/15€-599k
Contributions / capital 10/11€59k
Reserves 13€2k
Accumulated profits (losses) 14€-660k
Provisions & deferred taxes 16€95k
Amounts payable 17/49€987k
Amounts payable after one year 17€162k
Amounts payable within one year 42/48€825k
Trade debts payable within one year 44€27k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2023 · computed
0 / 100 Critical
050100
Computed from 3 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 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Directors

Directors & mandates

1 director
Former directors (1)
  • Breesch Bert
    Manager
    State Gazette act 23031555 (06-03-2023)
    Former
    - → 01-02-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

3 mandates
Role Name Tenure Source
Curator DIRK VAN COPPENOLLE
GENKERSTEENWEG 302, 3500 HASSELT
 27-03-2025 → present Belgian State Gazette
Curator FREDERICK VAN COPPE- NOLLE
GENKERSTEENWEG 302, 3500 HASSELT- frederick@van- coppenolle.be
 27-03-2025 → present Belgian State Gazette
Curator SOFIE REPRIELS
GENKERSTEENWEG 302, 3500 HASSELT
 27-03-2025 → present Belgian State Gazette

Legal Structure

NACE primary Handel in eigen onroerend goed(68110)
Legal form Private limited company (pre-2019)(015)
Incorporation12-09-2014
StatusActive
Postal code3800
First BS signal 05-07-2023
Latest BS signal 08-04-2025

Structure & network

Ownership & control

No ownership or control structure found in the sources.

For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.

3 court or liquidation mandates are on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.

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.

Sint-Lutgardisstraat 263800 Sint-Truiden

Establishment units

1 location
STBB
Sint-Lutgardisstraat 26, 3800 Sint-TruidenHandel in eigen onroerend goed
since 20142.247.876.812
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area193 m²
Buildings1
Building footprint193 m²
Volume (LiDAR)1,203 m³
Tallest building9.3 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.
71053G0205/00T039 Flanders 193 m² 1 · 193 m² 9.2 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

3 events from the State Gazette
08-04-2025
Bankruptcy Opening
Date: 27-03-2025 · Ondernemingsrechtbank Antwerpen, afdeling Hasselt · STBB BV SINT-LUTGARDIS- STRAAT 26, 3800 SINT-TRUIDEN · Publications in State Gazette ↗
05-10-2023
Judicial reorganisation Plan homologation
Date: 29-09-2023 · Ondernemingsrechtbank Antwerpen · 20230018 · Publications in State Gazette ↗
05-07-2023
Judicial reorganisation Opening
Date: 30-06-2023 · Ondernemingsrechtbank Antwerpen · collectif · Publications in State Gazette ↗

Time machine: BS events + macro context

2021-2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262023-07-05 · Judicial reorganisation · Opening2023-10-05 · Judicial reorganisation · Plan homologation2025-04-08 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event

Belgisch Staatsblad · acts

2 acts
All acts · 2 updated 3 years ago
2023
06-03-2023 Breesch Bert resigns as manager Director changes
  • Breesch Bert, Zaakvoerder
23-01-2023 BLACK EN WHITE BVBA appointed as daily management Director changes
  • BLACK EN WHITE BVBA, Dagelijks bestuur

Analysis

Snowflake analysis

financial profile on 5 axes
Health0Profitability-Solvency35Growth32Stability0
17 / 100

Fragile profile, watch health in particular.

Computed on 4 of 5 axes. Not measured: profitability. An unmeasured axis is not a zero: no data was read for it.

Health 0
Profitability -
Solvency 35
Growth 32
Stability 0

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Credit advice

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

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,130 of the 7,280 companies in this sector. 815 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110
Primary activity highlighted.
Names & trade names
Legal nameNL STBB
Registered office
Sint-Lutgardisstraat 26
3800 Sint-Truiden, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.