ESTEEKA
ActiveESTEEKA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €37k and a net result of €-13k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 65% of 20786 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-71
Solvency99▼-1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 25.07 in 2023; short-term debt: 25.8% and cash: 51.4% of total assets), and 25.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
74.2%
Return on assets
-26.3%
Age of the figures
20 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
30 d early
2022
6 d early
2021
176 d late
2020
45 d early
2019
43 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€88k
EBIT margin
25.5%
Net result
€-13k
2023 · €4k
2018: €15k
2019: €19k
2020: €22k
2021: €13k
2022: €3k
2023: €4k
2018 → 2024
Working capital
€13k▼ 91.9%
2023 · €162k
2018: €117k
2019: €142k
2020: €169k
2021: €188k
2022: €152k
2023: €162k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€180k-€193k▲ 7.1%€193k▼ 0.1%€197k▲ 2.1%€37k▼ 81.0%
Operating result€31k-€19k▼ 39.5%€5k▼ 71.6%€6k▲ 15.9%€-14k
Net result€22k-€13k▼ 40.9%€3k▼ 75.1%€4k▲ 25.0%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €14k after €6k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €50k
Fixed assets
€24k▼ 30.8%
Current assets
€26k▼ 84.5%
Equity and liabilities €50k
Equity
€37k▼ 81.0%
Debt
€13k▲ 92.7%
The debt ratio rises from 3.3% to 25.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k▼
2023 · €16k
Cash flow
€-2k▼
2023 · €14k
Solvency
74.2%▼
2023 · 96.7%
Current ratio
2.02▼
2023 · 25.07
Quick ratio
2.02▼
2023 · 25.07
Debt / equity
0.35▲
2023 · 0.03
ROE
-35.4%▼
2023 · 2.0%
ROA
-26.3%▼
2023 · 2.0%
Interest coverage
-33.36▼
2023 · 146.14
Debt
€13k▲
2023 · €7k
Debt ≤ 1 year
€13k▲
2023 · €7k
Income taxes
€140▼
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€204k€50k▼
Fixed assets21/28€35k€24k▼
Tangible fixed assets22/27€35k€24k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€33k€23k▼
Current assets29/58€169k€26k▼
Amounts receivable within one year40/41€9k€276▼
Trade receivables40€7k-
Other amounts receivable41€2k€276▼
Cash at bank and in hand54/58€160k€26k▼
Equity and liabilities
Total equity and liabilities10/49€204k€50k▼
Equity10/15€197k€37k▼
Contributions10/11€6k€6k=
Reserves13€191k€44k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€189k€43k▼
Profit (loss) carried forward14-€-13k
Amounts payable17/49€7k€13k▲
Amounts payable within one year42/48€7k€13k▲
Trade debts44€119€119=
Suppliers440/4€119€119=
Taxes, remuneration and social security45€7k€140▼
Taxes450/3€7k€140▼
Other amounts payable47/48-€13k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€1k€563▼
Gross operating margin9900€18k€-2k▼
Operating profit (loss)9901€6k€-14k▼
Financial income75/76B€323€589▲
Recurring financial income75€323€589▲
Financial charges65/66B€112€84▼
Recurring financial charges65€112€84▼
Profit (loss) for the period before taxes9903€6k€-13k▼
Income taxes67/77€2k€140▼
Profit (loss) for the period9904€4k€-13k▼
Profit (loss) for the period to be appropriated9905€4k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-13k▼
Transfer from equity791/2-€146k
Transfer to equity691/2€4k-
To other reserves6921€4k-
Profit to be distributed694/7-€146k
Directors or managers695-€146k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-13k ▼432%
Net result drops to €-13k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
23-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 176 days late
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €22k ▲13.8%
Operating result €31k, net result €22k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €159k ▲13.6%
2 profitable years in a row build equity to €159k.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lummen · 1 establishment unit since 2004
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.
Dikke Eikstraat 473560 LummenGround area
310 m²
Building footprint
113 m²
Volume, LiDAR
553 m³
Parcel 71542D0362/00N000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Karien Stubbe
since 20042.139.484.161
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71542D0362/00N000 | Flanders | 310 m² | 1 · 113 m² | 8.3 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 377 EUR awarded · 461 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 84 EUR | 84 EUR |
| 2023 | 1 | 293 EUR | 377 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 14,844 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2004
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.