Summary
De STAERCKE & Associés 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 €193k and a net result of €-182k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 1475 sector peers (fiscal year 2025). The company has been active since 1999 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
141 d late
2022
on the day
2021
31 d early
2020
29 d early
2019
14 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€193k▼ 48.5%
2024 · €375k
2018: €297k
2019: €329k
2020: €353k
2021: €335k
2022: €365k
2023: €400k
2024: €375k
2018 → 2025
Net result
€-182k▼ 1,712%
2024 · €-10k
2018: €-22k
2019: €61k
2020: €25k
2021: €32k
2022: €30k
2023: €34k
2024: €-10k
2018 → 2025
Total assets
€1.00M▲ 39.4%
2024 · €719k
2018: €510k
2019: €520k
2020: €457k
2021: €471k
2022: €461k
2023: €705k
2024: €719k
2018 → 2025
Solvency
19.2%▼ 32.8pp
2024 · 52.1%
2018: 58.3%
2019: 63.2%
2020: 77.3%
2021: 71.2%
2022: 79.2%
2023: 56.7%
2024: 52.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€335k-€365k▲ 9.0%€400k▲ 9.4%€375k▼ 6.3%€193k▼ 48.5%
Operating result€62k-€48k▼ 22.1%€40k▼ 17.8%€46k▲ 16.4%€-148k
Net result€32k-€30k▼ 5.7%€34k▲ 13.0%€-10k€-182k▼ 1,712%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €148k after €46k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.00M
Fixed assets
€507k ▲ 14.0%
Current assets
€495k ▲ 80.6%
Equity and liabilities €1.00M
Equity
€193k ▼ 48.5%
Debt
€809k ▲ 135%
Debt's share of the balance-sheet total rises from 47.9% to 80.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-94.1%▼
2024 · -2.7%
ROA
-18.1%▼
2024 · -1.4%
Debt ≤ 1 year
€492k▲
2024 · €182k
Debt > 1 year
€317k▲
2024 · €163k
Income taxes
€22k▼
2024 · €64k
Staff costs
€250k▲
2024 · €189k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€719k€1.00M▲
Fixed assets21/28€445k€507k▲
Intangible fixed assets21€35k€211k▲
Tangible fixed assets22/27€410k€295k▼
Land and buildings22€20k€19k▼
Plant, machinery and equipment23€175k€168k▼
Furniture and vehicles24€215k€109k▼
Financial fixed assets28€124€124=
Current assets29/58€274k€495k▲
Amounts receivable within one year40/41€68k€289k▲
Trade receivables40€46k€229k▲
Other amounts receivable41€22k€60k▲
Cash at bank and in hand54/58€193k€187k▼
Deferred charges and accrued income490/1€13k€20k▲
Equity and liabilities
Total equity and liabilities10/49€719k€1.00M▲
Equity10/15€375k€193k▼
Contributions10/11€41k€41k=
Reserves13-€91k
Tax-exempt reserves132-€91k
Profit (loss) carried forward14€334k€62k▼
Amounts payable17/49€345k€809k▲
Amounts payable after more than one year17€163k€317k▲
Financial debts170/4€163k€317k▲
Amounts payable within one year42/48€182k€492k▲
Current portion of amounts payable after more than one year42€75k€53k▼
Trade debts44€37k€6k▼
Suppliers440/4€37k€6k▼
Taxes, remuneration and social security45€60k€34k▼
Taxes450/3€41k-
Remuneration and social security454/9€19k€34k▲
Other amounts payable47/48€11k€399k▲
Income statement
Code20242025
Remuneration, social security and pensions62€189k€250k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€109k€121k▲
Other operating charges640/8€19k€17k▼
Non-recurring operating charges66A-€19k
Gross operating margin9900€363k€259k▼
Operating profit (loss)9901€46k€-148k▼
Financial income75/76B€20k€3k▼
Recurring financial income75€105€2k▲
Non-recurring financial income76B€20k€2k▼
Financial charges65/66B€12k€14k▲
Recurring financial charges65€12k€14k▲
Profit (loss) for the period before taxes9903€54k€-159k▼
Income taxes67/77€64k€22k▼
Profit (loss) for the period9904€-10k€-182k▼
Transfer to tax-exempt reserves689-€91k
Profit (loss) for the period to be appropriated9905€-10k€-272k▼
Appropriation of the result
Profit (loss) to be appropriated9906€349k€62k▼
Profit (loss) brought forward from the previous period14P€359k€334k▼
Profit to be distributed694/7€15k-
Return on contributions (dividend)694€15k-
Social balance
Average headcount (FTE)90872.02.6▲
The notes to these accounts (17 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-182k
Net result drops to €-182k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 141 days late
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 141 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 86 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Anderlecht · 2 establishment units since 1999
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.
Marius Renardlaan 251070 AnderlechtGround area
8,546 m²
Building footprint
3,480 m²
Volume, LiDAR
19,291 m³
2 parcels, Brussels, Wallonia · tallest building 81.5 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Marius Renardlaan 25, 1070 Anderlecht
since 19992.090.442.743
De STAERCKE & Associés
since 20252.383.077.885
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0354/00Z000 | Brussels | 8,177 m² | 1 · 3,412 m² | 81.5 m · 1 fl. |
| 25050B0417/00H000 | Wallonia | 369 m² | 1 · 68 m² | - |
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.
Similar companies · same sector, comparable size
GAEL FRERE ASSURANCES
BE 0897.319.086
Dinant · Eq €193,184
AB-BROKERS
BE 0425.889.386
Antwerpen · Eq €192,500
GLOBAL ASSURANCES
BE 0716.710.432
Schaarbeek · Eq €192,332
AUGUSTIN & RASQUINET, courtier associés
BE 0414.524.154
Herve · Eq €192,191
ProFin
BE 0897.654.331
Herselt · Eq €192,102
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,824 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-1999
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.