La Joya-STC
ActiveLa Joya-STC has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €2k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 7.48 against 4.96 in 2024; short-term debt: 13.4% and cash: 3.9% of total assets), and 13.4% 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 →
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
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
86.6%
Return on assets
7.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
16 d early
2023
on the day
2022
31 d late
2021
29 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 10.0%
2024 · €21k
2021: €3k
2022: €26k
2023: €13k
2024: €21k
2021 → 2025
Total assets
€26k▲ 1.6%
2024 · €26k
2021: €16k
2022: €47k
2023: €24k
2024: €26k
2021 → 2025
Net result
€2k▼ 73.0%
2024 · €8k
2021: €-474
2022: €29k
2023: €-13k
2024: €8k
2021 → 2025
Working capital
€23k▲ 11.5%
2024 · €20k
2021: €3k
2022: €23k
2023: €12k
2024: €20k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€26k▲ 915%€13k▼ 48.9%€21k▲ 58.3%€23k▲ 10.0%
Operating result€-110-€39k€-13k€7k€2k▼ 76.2%
Net result€-474-€29k€-13k€8k€2k▼ 73.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €26k
Equity
€23k▲ 10.0%
Debt
€4k▼ 31.8%
The debt ratio falls from 19.9% to 13.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2k▼
2024 · €8k
Cash flow
€2k▼
2024 · €9k
Solvency
86.6%▲
2024 · 80.1%
Current ratio
7.48▲
2024 · 4.96
Quick ratio
7.48▲
2024 · 4.96
Debt / equity
0.15▼
2024 · 0.25
ROE
9.1%▼
2024 · 36.8%
ROA
7.8%▼
2024 · 29.5%
Interest coverage
18.89▼
2024 · 53.51
Debt
€4k▼
2024 · €5k
Debt ≤ 1 year
€4k▼
2024 · €5k
Income taxes
€632▲
2024 · €45
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€26k€26k▲
Fixed assets21/28€287-
Tangible fixed assets22/27€287-
Furniture and vehicles24€287-
Current assets29/58€26k€26k▲
Amounts receivable within one year40/41€24k€25k▲
Trade receivables40€3k€1k▼
Other amounts receivable41€22k€24k▲
Cash at bank and in hand54/58€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€26k€26k▲
Equity10/15€21k€23k▲
Contributions10/11€3k€3k=
Reserves13€23k€23k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€-5k€-3k▲
Amounts payable17/49€5k€4k▼
Amounts payable within one year42/48€5k€4k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€2k€794▼
Taxes450/3€2k€794▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€287▼
Other operating charges640/8€48€831▲
Gross operating margin9900€8k€3k▼
Operating profit (loss)9901€7k€2k▼
Financial income75/76B€863€1k▲
Recurring financial income75€863€1k▲
Financial charges65/66B€152€103▼
Recurring financial charges65€152€103▼
Profit (loss) for the period before taxes9903€8k€3k▼
Income taxes67/77€45€632▲
Profit (loss) for the period9904€8k€2k▼
Profit (loss) for the period to be appropriated9905€8k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-3k▲
Profit (loss) brought forward from the previous period14P€-13k€-5k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 4.96
Current ratio from 2.05 to 4.96; short-term debt falls from €11k to €5k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-13k ▼143%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
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, Mont-Saint-Guibert · 1 establishment unit since 2021
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 Jean Moisse 281435 Mont-Saint-GuibertGround area
615 m²
Building footprint
85 m²
Volume, LiDAR
442 m³
Parcel 25040A0075/00Y000, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
La Joya-STC
since 20212.324.651.619
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25040A0075/00Y000 | Wallonia | 615 m² | 1 · 85 m² | 6.7 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 82,569 companies in sector 70200 we hold annual accounts for 52,577. 31,935 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.