STOÏA

Active

Private limited companyfounded 2019active for 7 yearsChemin des Postes 195, 1410 Waterloo, BelgiumKBO/BCE: BE 0735.898.022

Summary

The computed 12-month bankruptcy probability of STOÏA is 2.4% (moderate). The 2024 annual accounts show equity of €18,485 and a net result of €218. Equity is growing by about 13% per year across the filed financial years. Its solvency ranks better than 23% of 8,794 sector peers (NACE 73, financial year 2024). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

STOÏAActiveChecked score 52/100

Risk analysis Report Compare

Activity

Public relations and communication consultancy

NACE 73300

1 site

Size

≈ €97,000turnover 2024, estimated

Equity: €18,485
Profit: €218

Turnover estimated from the gross margin

Financial health

52 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 2.4%

Structure

2025 accounts not filed, 91 days past the deadline1 deed in the Belgian Official Gazette

Why 52raises riskFigures for financial year 2024 (filed 07-10-2025)1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 2 of the last 3 latelowers riskSector: Advertising, market research and public relations activities (NACE 73)Liquidity: current ratio 1.11, cash €28,104Show the evidence

Checked score

Score 2024

52 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 31% of its sector peers (NACE 73, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Weak

Solvency 46+1

equity 20.5% of total assets

Liquidity 46+34

short-term debt 79.5% · cash 31.2%

Profitability 34-66

return on assets 0.2%

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,223 companies, NACE 73, micro)

Last 24 months 11-2024: 1.3% 12-2024: 1.3%● unchanged vs 11-2024 01-2025: 1.2%▼ -0.1 percentage points vs 12-2024 02-2025: 1.2%● unchanged vs 01-2025 03-2025: 1.2%● unchanged vs 02-2025 04-2025: 1.2%● unchanged vs 03-2025 05-2025: 1.2%● unchanged vs 04-2025 06-2025: 1.3%▲ +0.1 percentage points vs 05-2025 07-2025: 1.3%● unchanged vs 06-2025 08-2025: 1.9%▲ +0.6 percentage points vs 07-2025 09-2025: 2.3%▲ +0.4 percentage points vs 08-2025 10-2025: 3.5%▲ +1.2 percentage points vs 09-2025highest value 11-2025: 0.6%▼ -2.9 percentage points vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026lowest value 04-2026: 0.6%● unchanged vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 1.1%▲ +0.5 percentage points vs 07-2026 09-2026: 1.4%▲ +0.3 percentage points vs 08-2026 10-2026: 2.4%▲ +1.0 percentage point vs 09-2026

Credit of up to €500 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance

Liquidity tight (current ratio 1.11, compared with 1.05 in 2023, below the usual 1.5; short-term debt: 79.5% and cash: 31.2% of total assets), and 79.5% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro): better than 27% on solvency, 29% on liquidity, 23% on profitability and 47% on growth.

The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.

lowers riskraises risk

Figures for financial year 2024 (filed 07-10-2025)

NBB · annual accounts

1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 2 of the last 3 late

NBB · filings

Sector: Advertising, market research and public relations activities (NACE 73)

KBO

Liquidity: current ratio 1.11, cash €28,104

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 8794 sector peers (2024).

NBB · sector comparison

Position among 8794 sector peers

Solvency

better than 23%

← weakest strongest →

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 91 days later.

NBB · 5 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline30-10-2026 today

2024 accounts filed 61 days late

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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 5 filings

Deviation from the deadline

2025

not filed

2024

61 days late

2023

48 days late

2022

21 days late

2021

23 days late

2020

9 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 32 days after the deadline; the sector median (NACE 73) for financial year 2024 is 6 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-09-2025 Annual accounts filedfinancial year 2024 · micro…
17-09-2024 Annual accounts filedfinancial year 2023 · micro…
31-12-2023 Highest result from 2020 to 2024net €44,480 ▲217%

Key points

Risk: 2025 accounts not fileddeadline was 31-07-2026 91 days past the deadline View
Total assets 20245 financial years filed €90,060 View
Active since 2019founded 09-10-2019 7 years View

By topic

Financials

Financial year: 2024
Total assets: €90,060
Profit: €218
Solvency: 20.5%

Total assets▼ 1.8%

Net result

20202024

Go to Financials

Timeline

Events: 7
Since: 2021

21-08-2023Annual accounts filed
23-08-2022Annual accounts filed
31-12-2021Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Public relations and communication consultancyNACE 73300
Founded: 09-10-2019
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about STOÏA

What is the company number of STOÏA?: 0735.898.022. In Belgium the VAT number is the company number with BE in front: BE 0735.898.022.
Where is STOÏA based?: The registered office is at Chemin des Postes 195, 1410 Waterloo.Company details
What does STOÏA do?: According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
What is the legal form of STOÏA?: Private limited company (BV).
When was STOÏA founded?: On 09-10-2019.
Is STOÏA still active?: Yes, STOÏA is an active enterprise in the KBO register.
What is the turnover of STOÏA?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is STOÏA profitable?: In financial year 2024, STOÏA made a profit of €218.
Where can I find the annual accounts of STOÏA?: STOÏA filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2024.