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STM

Active
Private limited company·Installatie van isolatie· 2 yrs active
Kolomstraat 1A ·1080 Sint-Jans-Molenbeek, Belgium
KBO/BCE: BE 1002.815.494
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Age2 yrs
Real estate2 parcels · 3,104 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of STM is 4.6% (elevated). The 2024 annual accounts show equity of €20k and a net result of €17k. Its solvency ranks better than 85% of 11087 sector peers (fiscal year 2024). 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 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
4.6% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Higher-failure-rate region +

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

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 85% of 11087 peers (2024). A comfortable equity buffer.
View the sector comparison

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 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 30-09-2025 61 d late 2025-00537376

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
Young company
Founded in 2023, under 3 years, statistically higher risk.
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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€17k
Working capital€19k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 72.4% 40.9%
better than 85% of 11087 sector peers
Net result €17k €11k
better than 59% of 11069 sector peers
Equity €20k €34k
better than 34% of 11090 sector peers
Gross operating margin €26k €35k
better than 41% of 11060 sector peers
Staff costs €54 €25k
higher than 6% of 4038 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€24k
Net profit€17k
Cash flow€17k
Staff costs€54
Income taxes€5k
Dividends-
Total assets€27k
Equity€20k
Debt€7k
of which ≤ 1y€7k
of which > 1y-
Working capital€19k
Employees (FTE)-
Ratios (computed)
2024
Current ratio3.48
Quick ratio3.48
Working capital ratio68.6%
Solvency72.4%
Debt / equity0.38
Long-term debt ratio-
Interest coverage7.71
Gross margin-
Net margin-
ROA61.3%
ROE84.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€27k
Fixed assets 21/28€1k
Tangible fixed assets 22/27€1k
Current assets 29/58€26k
Amounts receivable within one year 40/41€13k
Cash & bank 54/58€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€27k
Equity 10/15€20k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€17k
Amounts payable 17/49€7k
Amounts payable within one year 42/48€7k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€26k
Operating result 9901€24k
Financial income 75€314
Financial charges 65€3k
Result before taxes 9903€21k
Income taxes 67/77€5k
Net result for the period 9904€17k
Result to be appropriated 9905€17k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 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.

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Computed by Checked from the NBB filing for FY 2024. 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.

Kolomstraat 1A1080 Sint-Jans-Molenbeek

Establishment units

1 location
STM
Rue Sainte-Aldegonde(K) 35, 7540 TournaiIsolatiewerkzaamheden aan verwarmingsleidingen en leidingen van koelsystemen
since 20232.358.032.287
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area3,104 m²
Buildings2
Building footprint515 m²
Volume (LiDAR)3,925 m³
Tallest building19.8 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.

Wallonia 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21522B0623/00L000 Brussels 2,442 m² 1 · 406 m² 19.8 m · 2 fl.
57042C0356/00E002 Wallonia 662 m² 1 · 109 m² 6.5 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability100Solvency100Growth-Stability67
90 / 100

Strong profile, led by profitability.

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

Health 93
Profitability 100
Solvency 100
Growth -
Stability 67

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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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 332 of the 4,234 companies in this sector. 280 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Installatie van isolatie43230Isolatiewerkzaamheden43291Bouwrijp maken van terreinen43120Bouwrijp maken van terreinen43120Proefboren en boren43130Proefboren en boren43130
Primary activity highlighted.
Names & trade names
Legal nameFR STM
Registered office
Kolomstraat 1A
1080 Sint-Jans-Molenbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.