FREDERIC STAINIER
ActiveFREDERIC STAINIER has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143k and a net result of €10k. Equity is shrinking by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 65% of 8596 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-19
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.14 against 5.16 in 2024), and 31.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
68.5%
Return on assets
4.6%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
21 d early
2023
1 d early
2022
28 d early
2021
26 d early
2020
60 d early
2019
24 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€10k▼ 44.5%
2024 · €17k
2018: €-12k
2019: €38k
2020: €31k
2021: €23k
2022: €35k
2023: €8k
2024: €17k
2018 → 2025
Working capital
€141k▼ 12.5%
2024 · €162k
2018: €229k
2019: €270k
2020: €247k
2021: €253k
2022: €173k
2023: €184k
2024: €162k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€254k-€176k▼ 30.6%€184k▲ 4.5%€164k▼ 11.0%€143k▼ 12.7%
Operating result€28k-€45k▲ 62.3%€6k▼ 86.0%€22k▲ 247%€11k▼ 51.0%
Net result€23k-€35k▲ 55.3%€8k▼ 77.2%€17k▲ 118%€10k▼ 44.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€2k▼ 24.9%
Current assets
€207k▲ 3.5%
Equity and liabilities €209k
Equity
€143k▼ 12.7%
Debt
€66k▲ 69.9%
The debt ratio rises from 19.1% to 31.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€11k▼
2024 · €23k
Cash flow
€10k▼
2024 · €18k
Solvency
68.5%▼
2024 · 80.9%
Current ratio
3.14▼
2024 · 5.16
Quick ratio
3.14▼
2024 · 5.16
Debt / equity
0.46▲
2024 · 0.24
ROE
6.8%▼
2024 · 10.6%
ROA
4.6%▼
2024 · 8.6%
Interest coverage
60.44▼
2024 · 180.91
Debt
€66k▲
2024 · €39k
Debt ≤ 1 year
€66k▲
2024 · €39k
Income taxes
€5k▼
2024 · €8k
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€203k€209k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€200k€207k▲
Amounts receivable after more than one year29€98k€96k▼
Other amounts receivable291€98k€96k▼
Amounts receivable within one year40/41€71k€62k▼
Trade receivables40€19k€0▼
Other amounts receivable41€52k€62k▲
Cash at bank and in hand54/58€29k€46k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€203k€209k▲
Equity10/15€164k€143k▼
Contributions10/11€6k€6k=
Reserves13€119k€98k▼
Distributable reserves133€119k€98k▼
Profit (loss) carried forward14€39k€39k=
Amounts payable17/49€39k€66k▲
Amounts payable within one year42/48€39k€66k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€38k€63k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€587€600▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€24k€12k▼
Operating profit (loss)9901€22k€11k▼
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€125€188▲
Recurring financial charges65€125€188▲
Profit (loss) for the period before taxes9903€26k€14k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€17k€10k▼
Profit (loss) for the period to be appropriated9905€17k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€49k▼
Profit (loss) brought forward from the previous period14P€39k€39k=
Transfer from equity791/2€38k€31k▼
Transfer to equity691/2€17k€10k▼
To other reserves6921€17k€10k▼
Profit to be distributed694/7€38k€31k▼
Return on contributions (dividend)694€38k€31k▼
Social balance
Average headcount (FTE)9087-0.0
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity times 32current ratio 186.70
Current ratio from 5.90 to 186.70; short-term debt falls from €35k to €993.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity triplescurrent ratio 10.15
Current ratio from 3.91 to 10.15; short-term debt falls from €85k to €28k.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Tubize · 1 establishment unit since 2010
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.
Rue de Rebecq 321480 TubizeGround area
963 m²
Building footprint
92 m²
Volume, LiDAR
630 m³
Parcel 25097C0204/00E002, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Rebecq 32, 1480 Tubize
since 20102.195.996.955
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25097C0204/00E002 | Wallonia | 963 m² | 1 · 92 m² | 8.2 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.
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VR&CO
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AFONDO
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QUILOVE
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,723 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.