FST HOLDING 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 €130k and a net result of €19k. Equity is growing by ~26.7% per year across the filed fiscal years. Its solvency ranks better than 32% of 7980 sector peers (fiscal year 2025). The company has been active since 2017 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 · 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 · 8 filingsDeviation from the deadline
2025
7 d early
2024
2 d early
2023
17 d early
2022
3 d early
2021
24 d late
2020
5 d early
2019
41 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, micro schema
Equity
€130k▲ 17.0%
2024 · €111k
2018: €28k
2019: €35k
2020: €40k
2021: €57k
2022: €75k
2023: €93k
2024: €111k
2018 → 2025
Net result
€19k▲ 2.0%
2024 · €19k
2018: €18k
2019: €7k
2020: €4k
2021: €18k
2022: €18k
2023: €18k
2024: €19k
2018 → 2025
Total assets
€445k▲ 0.2%
2024 · €444k
2018: €454k
2019: €450k
2020: €448k
2021: €441k
2022: €438k
2023: €448k
2024: €444k
2018 → 2025
Solvency
29.3%▲ 4.2pp
2024 · 25.1%
2018: 6.2%
2019: 7.9%
2020: 8.9%
2021: 13.0%
2022: 17.2%
2023: 20.7%
2024: 25.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€75k▲ 30.7%€93k▲ 23.6%€111k▲ 20.0%€130k▲ 17.0%
Operating result€25k-€25k▼ 1.8%€25k▲ 0.6%€25k▲ 1.6%€25k▲ 0.5%
Net result€18k-€18k▼ 0.4%€18k▲ 0.3%€19k▲ 4.7%€19k▲ 2.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €445k
Fixed assets
€438k=
Current assets
€7k▲ 14.1%
Equity and liabilities €445k
Equity
€130k▲ 17.0%
Debt
€314k▼ 5.4%
The debt ratio falls from 74.9% to 70.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
29.3%▲
2024 · 25.1%
ROE
14.5%▼
2024 · 16.7%
ROA
4.3%▲
2024 · 4.2%
Debt
€314k▼
2024 · €333k
Debt ≤ 1 year
€314k▼
2024 · €333k
Income taxes
€6k▲
2024 · €6k
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€444k€445k▲
Fixed assets21/28€438k€438k=
Financial fixed assets28€438k€438k=
Current assets29/58€6k€7k▲
Amounts receivable within one year40/41€318€510▲
Other amounts receivable41€318€510▲
Cash at bank and in hand54/58€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€444k€445k▲
Equity10/15€111k€130k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€89k€108k▲
Amounts payable17/49€333k€314k▼
Amounts payable within one year42/48€333k€314k▼
Trade debts44€6k€254▼
Suppliers440/4€6k€254▼
Other amounts payable47/48€326k€314k▼
Income statement
Code20242025
Other operating charges640/8€387€124▼
Gross operating margin9900€26k€26k▼
Operating profit (loss)9901€25k€25k▲
Financial charges65/66B€532€194▼
Recurring financial charges65€532€194▼
Profit (loss) for the period before taxes9903€25k€25k▲
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€19k€19k▲
Profit (loss) for the period to be appropriated9905€19k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€108k▲
Profit (loss) brought forward from the previous period14P€71k€89k▲
The notes to these accounts (2 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 · micro schema
2025
31-12
Financial
Highest result since 2018net €19k ▲2%
Operating result €25k, net result €19k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €111k ▲20%
7 profitable years in a row build equity to €111k.
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €4k ▼42.5%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
01-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 398 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Truiden · 1 establishment unit since 2017
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.
Vliegveldlaan 823800 Sint-TruidenGround area
2,171 m²
Building footprint
167 m²
Volume, LiDAR
1,049 m³
Parcel 71009A0463/00G000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vliegveldlaan 82, 3800 Sint-Truiden
since 20172.263.138.870
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009A0463/00G000 | Flanders | 2,171 m² | 1 · 167 m² | 9.0 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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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 12,939 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
46620Wholesale of machine tools
70200Business and other management consultancy
70220Business consulting
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.