De Stoverie
ActiveThe computed 12-month bankruptcy probability of De Stoverie is 1.9% (moderate). The 2025 annual accounts show equity of €123k and a net result of €8k. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 78% of 27711 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-15
Solvency98▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.46 against 4.07 in 2024; short-term debt: 26.8% and cash: 63.9% of total assets), and 26.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
73.2%
Return on assets
4.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
18 d early
2024
4 d late
2023
29 d early
2022
12 d early
2021
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€123k▲ 6.7%
2024 · €115k
2021: €8k
2022: €31k
2023: €91k
2024: €115k
2021 → 2025
Total assets
€168k▲ 14.7%
2024 · €147k
2021: €67k
2022: €89k
2023: €155k
2024: €147k
2021 → 2025
Net result
€8k▼ 68.2%
2024 · €24k
2021: €4k
2022: €23k
2023: €60k
2024: €24k
2021 → 2025
Working capital
€111k▲ 15.4%
2024 · €96k
2021: €-18k
2022: €6k
2023: €71k
2024: €96k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€31k▲ 286%€91k▲ 191%€115k▲ 26.7%€123k▲ 6.7%
Operating result€6k-€32k▲ 441%€83k▲ 157%€35k▼ 58.3%€11k▼ 68.9%
Net result€4k-€23k▲ 464%€60k▲ 158%€24k▼ 59.3%€8k▼ 68.2%
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 two years in a row; 2025 is 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€12k▼ 36.1%
Current assets
€156k▲ 22.5%
Equity and liabilities €168k
Equity
€123k▲ 6.7%
Debt
€45k▲ 44.0%
The debt ratio rises from 21.3% to 26.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▼
2024 · €46k
Cash flow
€19k▼
2024 · €36k
Solvency
73.2%▼
2024 · 78.7%
Current ratio
3.46▼
2024 · 4.07
Quick ratio
2.53▼
2024 · 2.69
Debt / equity
0.37▲
2024 · 0.27
ROE
6.3%▼
2024 · 21.1%
ROA
4.6%▼
2024 · 16.6%
Interest coverage
20.10▼
2024 · 30.80
Debt
€45k▲
2024 · €31k
Debt ≤ 1 year
€45k▲
2024 · €31k
Income taxes
€3k▼
2024 · €9k
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€147k€168k▲
Fixed assets21/28€20k€12k▼
Intangible fixed assets21€7k€3k▼
Tangible fixed assets22/27€13k€9k▼
Plant, machinery and equipment23€2k€994▼
Furniture and vehicles24€8k€9k▲
Leasing and similar rights25€3k€0▼
Current assets29/58€127k€156k▲
Stocks and contracts in progress3€43k€42k▼
Stocks30/36€43k€42k▼
Amounts receivable within one year40/41€19k€5k▼
Trade receivables40€11k€2k▼
Other amounts receivable41€8k€4k▼
Current investments50/53€40k-
Cash at bank and in hand54/58€24k€108k▲
Deferred charges and accrued income490/1€976€1k▲
Equity and liabilities
Total equity and liabilities10/49€147k€168k▲
Equity10/15€115k€123k▲
Contributions10/11€4k€4k=
Reserves13€111k€119k▲
Distributable reserves133€111k€119k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€31k€45k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€31k€45k▲
Current portion of amounts payable after more than one year42€4k€0▼
Financial debts43-€650
Credit institutions430/8-€650
Trade debts44€11k€25k▲
Suppliers440/4€11k€25k▲
Taxes, remuneration and social security45€0€249▲
Taxes450/3€0€249▲
Other amounts payable47/48€16k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€913€1k▲
Gross operating margin9900€47k€23k▼
Operating profit (loss)9901€35k€11k▼
Financial income75/76B€262€1k▲
Recurring financial income75€262€1k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€34k€11k▼
Income taxes67/77€9k€3k▼
Profit (loss) for the period9904€24k€8k▼
Profit (loss) for the period to be appropriated9905€24k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€8k▼
Profit (loss) brought forward from the previous period14P-€0
Transfer to equity691/2€24k€8k▼
To other reserves6921€24k€8k▼
The notes to these accounts (10 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
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Equity above €100kEq €115k ▲26.7%
4 profitable years in a row build equity to €115k.
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2021net €60k ▲158%
Operating result €83k, net result €60k, both a record.
19-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Poperinge · 1 establishment unit since 2020
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.
Vuileseulestraat 78978 PoperingeGround area
671 m²
Building footprint
132 m²
Volume, LiDAR
529 m³
Parcel 33028D0838/00S000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
De Stoverie
since 20202.297.934.057
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33028D0838/00S000 | Flanders | 671 m² | 1 · 132 m² | 6.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,927 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2020
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43223Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43331Floor and wall tiling
43350Other building finishing work
43993Specialised construction activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.