STELLA Transport

Active

Private limited companyfounded 20188 yrs activeGaverstraat(Ove) 13, 9500 Geraardsbergen, BelgiumKBO/BCE: BE 0691.781.927

The computed 12-month bankruptcy probability of STELLA Transport is 1.6% (moderate). The 2024 annual accounts show equity of €69k and a net result of €6k. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 73% of 6716 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

65 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability76▼-7

Solvency87▲+15

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity ample (current ratio 2.17 against 1.63 in 2023; short-term debt: 30.4% and cash: 4% of total assets), and 38.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

61.6%

Return on assets

5.7%

Age of the figures

21 mo

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 · 7 filings

Deviation from the deadline

2025

not confirmed

2024

55 d late

2023

96 d late

2022

36 d late

2021

119 d late

2020

3 d early

2019

56 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€69k▲ 10.2%

2023 · €62k

2018: €15k 2019: €25k 2020: €16k 2021: €36k 2022: €35k 2023: €62k

2018 → 2024

Total assets

€112k▼ 15.9%

2023 · €133k

2018: €45k 2019: €61k 2020: €75k 2021: €135k 2022: €110k 2023: €133k

2018 → 2024

Net result

€6k▼ 57.2%

2023 · €15k

2018: €9k 2019: €10k 2020: €-10k 2021: €20k 2022: €-345 2023: €15k

2018 → 2024

Working capital

€40k▲ 37.2%

2023 · €29k

2018: €14k 2019: €22k 2020: €8k 2021: €9k 2022: €11k 2023: €29k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€16k-€36k▲ 125%€35k▼ 1.0%€62k▲ 77.5%€69k▲ 10.2%

Operating result€-8k-€23k€3k▼ 87.2%€22k▲ 638%€11k▼ 50.5%

Net result€-10k-€20k€-345€15k€6k▼ 57.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 51% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €112k

34.0%

66.0%

Fixed assets €38k▼ 33.9%

Current assets €74k▼ 2.1%

Equity and liabilities €112k

61.6%

38.4%

Equity €69k▲ 10.2%

Debt €43k▼ 39.0%

The debt ratio falls from 53.0% to 38.4%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€32k▼

2023 · €44k

Cash flow

€27k▼

2023 · €37k

Solvency

61.6%▲

2023 · 47.0%

Current ratio

2.17▲

2023 · 1.63

Quick ratio

2.17▲

2023 · 1.63

Debt / equity

0.62▼

2023 · 1.13

ROE

9.2%▼

2023 · 23.8%

ROA

5.7%▼

2023 · 11.2%

Interest coverage

19.90▲

2023 · 19.84

Debt

€43k▼

2023 · €70k

Debt ≤ 1 year

€34k▼

2023 · €46k

Debt > 1 year

€9k▼

2023 · €24k

Income taxes

€3k▼

2023 · €5k

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€133k€112k▼

Formation expenses20€0-

Fixed assets21/28€58k€38k▼

Tangible fixed assets22/27€58k€38k▼

Furniture and vehicles24€14k€11k▼

Leasing and similar rights25€43k€27k▼

Current assets29/58€75k€74k▼

Amounts receivable within one year40/41€49k€69k▲

Trade receivables40€34k€31k▼

Other amounts receivable41€15k€37k▲

Cash at bank and in hand54/58€23k€4k▼

Deferred charges and accrued income490/1€4k€479▼

Equity and liabilities

Total equity and liabilities10/49€133k€112k▼

Equity10/15€62k€69k▲

Contributions10/11€19k€19k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Profit (loss) carried forward14€42k€48k▲

Amounts payable17/49€70k€43k▼

Amounts payable after more than one year17€24k€9k▼

Financial debts170/4€24k€9k▼

Amounts payable within one year42/48€46k€34k▼

Current portion of amounts payable after more than one year42€16k€15k▼

Financial debts43€4k€3k▼

Credit institutions430/8€4k€3k▼

Trade debts44€6k€2k▼

Suppliers440/4€6k€2k▼

Taxes, remuneration and social security45€21k€14k▼

Taxes450/3€21k€14k▼

Income statement Code20232024

Non-recurring operating income76A€14k€0▼

Remuneration, social security and pensions62€0-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼

Other operating charges640/8€20k€19k▼

Gross operating margin9900€64k€50k▼

Operating profit (loss)9901€22k€11k▼

Financial income75/76B€0€26▲

Recurring financial income75€0€26▲

Financial charges65/66B€2k€2k▼

Recurring financial charges65€2k€2k▼

Profit (loss) for the period before taxes9903€20k€9k▼

Income taxes67/77€5k€3k▼

Profit (loss) for the period9904€15k€6k▼

Profit (loss) for the period to be appropriated9905€15k€6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€42k€48k▲

Profit (loss) brought forward from the previous period14P€27k€42k▲

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 3Filings 7

2025

24-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 55 days late

2024

04-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 96 days late

2023

31-12

Financial Back to profitnet €15k

Net result €15k after one loss-making year.

05-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 36 days late

2022

27-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 119 days late

2021

31-12

Financial Back to profitnet €20k

Net result €20k after one loss-making year.

28-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Weakest financial yearnet €-10k ▼196%

Net result drops to €-10k, the lowest in the series; recovery starts the following year.

25-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 56 days late

2019

31-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Geraardsbergen · 1 establishment unit since 2018

establishment The establishment unit on the map

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.

Gaverstraat(Ove) 139500 Geraardsbergen

Ground area

139 m²

Building footprint

120 m²

Volume, LiDAR

472 m³

Parcel 41018B0969/00E002, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

STELLA Transport

Gaverstraat(Ove) 13, 9500 GeraardsbergenFreight transport by road

since 20182.274.894.082

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41018B0969/00E002	Flanders	139 m²	1 · 120 m²	9.8 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

EZ4YOU

BE 0794.712.585

Sint-Lievens-Houtem · Eq €69k

Of 12,603 companies in sector 49410 we hold annual accounts for 8,194. 6,187 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-03-2018

Fiscal year end31-12

Activities, NACEBEL

49410Freight transport by road

52210Service activities incidental to land transportation

53100Postal and courier activities

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.