GEOFFREY ET STEPHAN SATIN
ActiveSummary
GEOFFREY ET STEPHAN SATIN has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.11M and a net result of €42k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 52% of 1202 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-8
Solvency69▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.66 in 2024; short-term debt: 21.9% of total assets), and 56.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
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
43.6%
Return on assets
1.6%
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
29 d late
2023
30 d late
2022
4 d early
2021
31 d late
2020
31 d late
2019
53 d late
← 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
Turnover
€676k
EBIT margin
10.3%
Net result
€42k▼ 80.9%
2024 · €220k
2018: €55k
2019: €127k
2020: €79k
2021: €134k
2022: €205k
2023: €216k
2024: €220k
2018 → 2025
Working capital
€-281k▼ 19.5%
2024 · €-235k
2018: €163k
2019: €325k
2020: €390k
2021: €120k
2022: €219k
2023: €90k
2024: €-235k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€584k-€788k▲ 34.9%€902k▲ 14.5%€1.07M▲ 18.7%€1.11M▲ 3.8%
Operating result€160k-€260k▲ 62.1%€294k▲ 13.2%€330k▲ 12.1%€122k▼ 63.0%
Net result€134k-€205k▲ 52.7%€216k▲ 5.1%€220k▲ 1.9%€42k▼ 80.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 63% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.55M
Fixed assets
€2.27M ▼ 1.0%
Current assets
€278k ▼ 38.0%
Equity and liabilities €2.55M
Equity
€1.11M ▲ 3.8%
Provisions
€34k ▼ 5.6%
Debt
€1.40M ▼ 14.2%
Debt's share of the balance-sheet total falls from 59.7% to 55.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€568k▼
2024 · €697k
Cash flow
€488k▼
2024 · €587k
Current ratio
0.50▼
2024 · 0.66
Debt to equity
1.26▼
2024 · 1.53
ROE
3.8%▼
2024 · 20.5%
ROA
1.6%▼
2024 · 8.0%
Interest coverage
7.82▼
2024 · 10.52
Debt ≤ 1 year
€559k▼
2024 · €684k
Debt > 1 year
€842k▼
2024 · €952k
Income taxes
€11k▼
2024 · €47k
Staff costs
€404k▲
2024 · €323k
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 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.74M€2.55M▼
Fixed assets21/28€2.29M€2.27M▼
Tangible fixed assets22/27€2.26M€2.23M▼
Land and buildings22€1.17M€1.33M▲
Plant, machinery and equipment23€689k€516k▼
Furniture and vehicles24€390k€376k▼
Other tangible fixed assets26€5k€5k=
Financial fixed assets28€38k€39k▲
Current assets29/58€449k€278k▼
Amounts receivable within one year40/41€396k€272k▼
Trade receivables40€277k€171k▼
Other amounts receivable41€119k€101k▼
Cash at bank and in hand54/58€47k-
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€2.74M€2.55M▼
Equity10/15€1.07M€1.11M▲
Contributions10/11€20k€20k=
Reserves13€111k€105k▼
Tax-exempt reserves132€109k€103k▼
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€938k€986k▲
Investment grants15€2k-
Provisions and deferred taxes16€36k€34k▼
Deferred taxes168€36k€34k▼
Amounts payable17/49€1.64M€1.40M▼
Amounts payable after more than one year17€952k€842k▼
Financial debts170/4€952k€842k▼
Amounts payable within one year42/48€684k€559k▼
Current portion of amounts payable after more than one year42€190k€211k▲
Financial debts43€145k€150k▲
Credit institutions430/8€145k€150k▲
Trade debts44€242k€124k▼
Suppliers440/4€242k€124k▼
Taxes, remuneration and social security45€60k€57k▼
Taxes450/3€37k€24k▼
Remuneration and social security454/9€23k€33k▲
Other amounts payable47/48€47k€18k▼
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Non-recurring operating income76A€4k€34k▲
Remuneration, social security and pensions62€323k€404k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€367k€446k▲
Other operating charges640/8€13k€8k▼
Non-recurring operating charges66A€4k€38k▲
Gross operating margin9900€1.04M€1.02M▼
Operating profit (loss)9901€330k€122k▼
Financial income75/76B€2k€2k=
Recurring financial income75€2k€2k=
Financial charges65/66B€66k€73k▲
Recurring financial charges65€66k€73k▲
Profit (loss) for the period before taxes9903€265k€51k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€47k€11k▼
Profit (loss) for the period9904€220k€42k▼
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€226k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€988k€986k▼
Profit (loss) brought forward from the previous period14P€762k€938k▲
Profit to be distributed694/7€50k-
Return on contributions (dividend)694€50k-
Social balance
Average headcount (FTE)90877.29.2▲
The notes to these accounts (19 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €42k ▼80.9%
Net result drops to €42k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €220k ▲1.9%
Operating result €330k, net result €220k, both a record.
31-12
Financial
Equity above €1MEq €1.07M ▲18.7%
7 profitable years in a row build equity to €1.07M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Equity above €500kEq €540k ▲16.6%
3 profitable years in a row build equity to €540k.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 53 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Somme-Leuze · 1 establishment unit since 2011
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.
Zone d'activités Nord, Bail. 815377 Somme-LeuzeGround area
4,237 m²
Parcel 91010A0106/00N003, Wallonia. Linked by address, not a title deed.
1 establishment unit
GEOFFREY ET STEPHAN SATIN
since 20112.195.539.768
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91010A0106/00N003 | Wallonia | 4,237 m² | - | - |
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 21,216 companies in sector 81300 we hold annual accounts for 4,362. 1,742 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
Founded26-11-2010
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:084/46 72 11
Fax:084/46 72 11