BOSTEELS STIJN 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 €2.66M and a net result of €61k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 85% of 1469 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
17 d early
2023
47 d early
2022
42 d early
2021
19 d early
2020
30 d late
2019
14 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.66M▼ 13.8%
2024 · €3.09M
2018: €588k
2019: €1.08M
2020: €1.28M
2021: €1.52M
2022: €1.77M
2023: €1.87M
2024: €3.09M
2018 → 2025
Net result
€61k▼ 95.2%
2024 · €1.27M
2018: €57k
2019: €488k
2020: €200k
2021: €248k
2022: €243k
2023: €203k
2024: €1.27M
2018 → 2025
Total assets
€3.23M▼ 0.8%
2024 · €3.25M
2018: €1.38M
2019: €1.32M
2020: €1.35M
2021: €1.58M
2022: €1.84M
2023: €1.89M
2024: €3.25M
2018 → 2025
Solvency
82.5%▼ 12.5pp
2024 · 95.0%
2018: 42.7%
2019: 81.7%
2020: 94.5%
2021: 96.3%
2022: 96.1%
2023: 98.8%
2024: 95.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.52M-€1.77M▲ 15.9%€1.87M▲ 5.9%€3.09M▲ 65.1%€2.66M▼ 13.8%
Operating result€124k-€112k▼ 9.8%€58k▼ 48.4%€104k▲ 78.8%€73k▼ 29.5%
Net result€248k-€243k▼ 2.2%€203k▼ 16.4%€1.27M▲ 529%€61k▼ 95.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.23M
Fixed assets
€1.24M=
Current assets
€1.98M▼ 1.3%
Equity and liabilities €3.23M
Equity
€2.66M▼ 13.8%
Debt
€564k▲ 246%
The debt ratio rises from 5.0% to 17.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
82.5%▼
2024 · 95.0%
ROE
2.3%▼
2024 · 41.3%
ROA
1.9%▼
2024 · 39.2%
Debt
€564k▲
2024 · €163k
Debt ≤ 1 year
€560k▲
2024 · €159k
Income taxes
€39k▼
2024 · €160k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.25M€3.23M▼
Fixed assets21/28€1.24M€1.24M=
Tangible fixed assets22/27€6k€3k▼
Plant, machinery and equipment23€692-
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€1.24M€1.24M▲
Current assets29/58€2.01M€1.98M▼
Amounts receivable within one year40/41€1.67M€1.97M▲
Other amounts receivable41€1.67M€1.97M▲
Current investments50/53€700€700=
Cash at bank and in hand54/58€330k€9k▼
Deferred charges and accrued income490/1€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€3.25M€3.23M▼
Equity10/15€3.09M€2.66M▼
Contributions10/11€19k€19k=
Reserves13€3.07M€2.64M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€3.07M€2.64M▼
Amounts payable17/49€163k€564k▲
Amounts payable within one year42/48€159k€560k▲
Financial debts43€6k€10k▲
Credit institutions430/8€6k€10k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€150k€155k▲
Taxes450/3€147k€151k▲
Remuneration and social security454/9€3k€3k▼
Other amounts payable47/48-€394k
Accrued charges and deferred income492/3€4k€4k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€3k€26k▲
Gross operating margin9900€109k€101k▼
Operating profit (loss)9901€104k€73k▼
Financial income75/76B€1.33M€54k▼
Recurring financial income75€1.33M€54k▼
Financial charges65/66B€581€26k▲
Recurring financial charges65€581€26k▲
Profit (loss) for the period before taxes9903€1.43M€101k▼
Income taxes67/77€160k€39k▼
Profit (loss) for the period9904€1.27M€61k▼
Profit (loss) for the period to be appropriated9905€1.27M€61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.27M€61k▼
Transfer from equity791/2€57k€488k▲
Transfer to equity691/2€1.27M€61k▼
To other reserves6921€1.27M€61k▼
Profit to be distributed694/7€57k€488k▲
Return on contributions (dividend)694€57k€488k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €1.27M ▲529%
Net result €1.27M, the highest in the series.
31-12
Financial
Equity above €2MEq €3.09M ▲65.1%
7 profitable years in a row build equity to €3.09M.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 34.43
Current ratio from 8.38 to 34.43; short-term debt falls from €68k to €19k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 6.03
Current ratio from 1.51 to 6.03; short-term debt falls from €72k to €57k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €1MEq €1.08M ▲83.1%
2 profitable years in a row build equity to €1.08M.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lebbeke · 1 establishment unit since 2007
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.
Potaardestraat 189280 LebbekeGround area
1,407 m²
Building footprint
411 m²
Volume, LiDAR
2,848 m³
2 parcels, Flanders · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Bosteels Stijn BVBA
since 20072.168.032.845
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42011B0516/00Z000 | Flanders | 711 m² | 1 · 224 m² | 13.2 m · 4 fl. |
| 42011B1033/00P000 | Flanders | 696 m² | 1 · 187 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
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.
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Of 4,686 companies in sector 66220 we hold annual accounts for 3,231. 1,402 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2007
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.