Summary
StiPt is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €200,994 and a net result of €8,900. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 19% of 8091 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8091 sector peers (2025).
NBB · sector comparisonPosition among 8091 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 8 filingsDeviation from the deadline
2025
30 d late
2024
59 d late
2023
7 d late
2022
30 d late
2021
117 d late
2020
80 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 59 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€200,994▲ 4.6%
2024 · €192,094
Net result
€8,900▼ 63.5%
2024 · €24,371
Total assets
€1.5m▼ 5.3%
2024 · €1.6m
Solvency
13.5%▲ 1.3pp
2024 · 12.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€147,304€47,293▼ 67.9%€43,358▼ 8.3%€36,715▼ 15.3%€21,136▼ 42.4%
Net result€148,034above the sector's middle half€33,656within the sector's middle half▼ 77.3%€30,377within the sector's middle half▼ 9.7%€24,371within the sector's middle half▼ 19.8%€8,900within the sector's middle half▼ 63.5%
Equity€103,691within the sector's middle half€137,347within the sector's middle half▲ 32.5%€167,724within the sector's middle half▲ 22.1%€192,094within the sector's middle half▲ 14.5%€200,994within the sector's middle half▲ 4.6%
Total assets€1.7mabove the sector's middle half▲ 111%€1.6mabove the sector's middle half▼ 2.3%€1.6mabove the sector's middle half▼ 1.0%€1.6mabove the sector's middle half▼ 3.7%€1.5mabove the sector's middle half▼ 5.3%
Debt€1.6m▲ 87.7%€1.5m▼ 4.5%€1.5m▼ 3.1%€1.4m▼ 5.8%€1.3m▼ 6.7%
Working capital-€65,385below the sector's middle half-€75,489below the sector's middle half▼ 15.5%-€74,002below the sector's middle half▲ 2.0%-€80,570below the sector's middle half▼ 8.9%-€102,196below the sector's middle half▼ 26.8%
Solvency6.1%below the sector's middle half▲ 11.7pp8.3%below the sector's middle half▲ 2.2pp10.3%below the sector's middle half▲ 1.9pp12.2%below the sector's middle half▲ 1.9pp13.5%below the sector's middle half▲ 1.3pp
Current ratio0.48below the sector's middle half▼ 0.680.42below the sector's middle half▼ 0.060.56below the sector's middle half▲ 0.130.52below the sector's middle half▼ 0.040.36below the sector's middle half▼ 0.16
Return on assets (ROA)8.8%within the sector's middle half▲ 15.6pp2.0%within the sector's middle half▼ 6.7pp1.9%within the sector's middle half▼ 0.2pp1.6%within the sector's middle half▼ 0.3pp0.6%below the sector's middle half▼ 1.0pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 42% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€1.4m ▼ 3.7%
Current assets
€58,534 ▼ 33.1%
Equity and liabilities €1.5m
Equity
€200,994 ▲ 4.6%
Debt
€1.3m ▼ 6.7%
Debt's share of the balance-sheet total falls from 87.8% to 86.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.4%▼
2024 · 12.7%
Debt ≤ 1 year
€160,730▼
2024 · €168,009
Debt > 1 year
€1.1m▼
2024 · €1.2m
Income taxes
€1,544
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €125,954 | - | €2,132 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,725 | €54,519 | €54,944 | €54,944 | €54,944 | = |
| Other operating charges640/8 | €3,495 | €1,970 | €1,164 | €10,115 | €10,427 | ▲ 3.1% |
| Gross operating margin9900 | €164,524 | €103,782 | €99,466 | €101,775 | €86,507 | ▼ 15.0% |
| Operating profit (loss)9901 | €147,304 | €47,293 | €43,358 | €36,715 | €21,136 | ▼ 42.4% |
| Financial income75/76B | €13,457 | €3 | - | €0 | €10 | ▲ 94,900% |
| Recurring financial income75 | €13,457 | €3 | - | €0 | €10 | ▲ 94,900% |
| Financial charges65/66B | €12,728 | €13,639 | €12,981 | €12,345 | €10,701 | ▼ 13.3% |
| Recurring financial charges65 | €12,728 | €13,639 | €12,981 | €12,345 | €10,701 | ▼ 13.3% |
| Profit (loss) for the period before taxes9903 | €148,034 | €33,656 | €30,377 | €24,371 | €10,444 | ▼ 57.1% |
| Income taxes67/77 | - | - | - | - | €1,544 | - |
| Profit (loss) for the period9904 | €148,034 | €33,656 | €30,377 | €24,371 | €8,900 | ▼ 63.5% |
| Profit (loss) for the period to be appropriated9905 | €148,034 | €33,656 | €30,377 | €24,371 | €8,900 | ▼ 63.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.7m | €1.6m | €1.6m | €1.6m | €1.5m | ▼ 5.3% |
| Fixed assets21/28 | €1.6m | €1.6m | €1.5m | €1.5m | €1.4m | ▼ 3.7% |
| Tangible fixed assets22/27 | €1.6m | €1.6m | €1.5m | €1.5m | €1.4m | ▼ 3.7% |
| Land and buildings22 | €1.6m | €1.6m | €1.5m | €1.5m | €1.4m | ▼ 3.7% |
| Furniture and vehicles24 | €1,500 | €1,139 | €778 | €417 | €55 | ▼ 86.7% |
| Current assets29/58 | €61,422 | €55,038 | €92,879 | €87,439 | €58,534 | ▼ 33.1% |
| Amounts receivable within one year40/41 | €39,930 | €51,030 | €92,832 | €58,602 | €53,895 | ▼ 8.0% |
| Trade receivables40 | €39,930 | €51,030 | €92,832 | €4,707 | - | - |
| Other amounts receivable41 | - | - | - | €53,895 | €53,895 | = |
| Cash at bank and in hand54/58 | €21,047 | €4,008 | €47 | €28,837 | €4,639 | ▼ 83.9% |
| Deferred charges and accrued income490/1 | €445 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.7m | €1.6m | €1.6m | €1.6m | €1.5m | ▼ 5.3% |
| Equity10/15 | €103,691 | €137,347 | €167,724 | €192,094 | €200,994 | ▲ 4.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Legal reserve130 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €83,231 | €116,887 | €147,264 | €171,634 | €180,534 | ▲ 5.2% |
| Amounts payable17/49 | €1.6m | €1.5m | €1.5m | €1.4m | €1.3m | ▼ 6.7% |
| Amounts payable after more than one year17 | €1.5m | €1.4m | €1.3m | €1.2m | €1.1m | ▼ 7.1% |
| Financial debts170/4 | €1.5m | €1.4m | €1.3m | €1.2m | €1.1m | ▼ 7.1% |
| Amounts payable within one year42/48 | €126,806 | €130,527 | €166,881 | €168,009 | €160,730 | ▼ 4.3% |
| Current portion of amounts payable after more than one year42 | €77,169 | €83,094 | €84,184 | €85,359 | €86,520 | ▲ 1.4% |
| Trade debts44 | €36,312 | €35,587 | €42,827 | €6,788 | €3,415 | ▼ 49.7% |
| Suppliers440/4 | €36,312 | €35,587 | €42,827 | €6,788 | €3,415 | ▼ 49.7% |
| Taxes, remuneration and social security45 | €5,889 | €6,625 | €4,511 | €15,780 | €7,571 | ▼ 52.0% |
| Taxes450/3 | €5,889 | €6,625 | €4,511 | €15,780 | €7,571 | ▼ 52.0% |
| Other amounts payable47/48 | €7,437 | €5,221 | €35,358 | €60,083 | €63,225 | ▲ 5.2% |
| Accrued charges and deferred income492/3 | - | €175 | €525 | - | €1,050 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €148,034 | €33,656 | €30,377 | €24,371 | €8,900 | ▼ 63.5% |
| + Depreciation and write-downs630 | €13,725 | €54,519 | €54,944 | €54,944 | €54,944 | = |
| Operating cash flow (approximation) | €161,759 | €88,175 | €85,321 | €79,315 | €63,844 | ▼ 19.5% |
| Investment in fixed assets (approximation) | - | -€22,612 | €0 | €0 | €0 | - |
| Change in cash | - | -€17,039 | -€3,961 | €28,790 | -€24,197 | ▼ 184% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Equity above €200,000Eq €200,994 ▲4.6%
5 profitable years in a row build equity to €200,994.
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Equity above €150,000Eq €167,724 ▲22.1%
3 profitable years in a row build equity to €167,724.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 117 days late
2021
31-12
Financial
Back to profitnet €148,034
Net result €148,034 after 2 loss-making years.
31-12
Financial
Equity above €100,000Eq €103,691
Equity rises from -€44,343 to €103,691.
19-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 80 days late
2020
31-12
Financial
Weakest financial yearnet -€54,451
Net result drops to -€54,451, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 1.16
Current ratio from 0.36 to 1.16; short-term debt falls from €123,842 to €43,823.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Genk · 1 establishment unit since 2017
Ground area
1,208 m²
Building footprint
290 m²
Volume, LiDAR
3,971 m³
Parcel 71303B0794/00N000, Flanders · tallest building 21.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Heeldstraat 53, 3600 Genk
since 20172.263.924.471
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71303B0794/00N000 | Flanders | 1,208 m² | 1 · 290 m² | 21.4 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,539 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-04-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
52100Warehousing and storage
E-invoicing
Reachable via Peppol
Peppol ID
0208:0673903936
Also
9925:BE0673903936
Registered
10-02-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.