NO STRESS

Active

Private limited companyfounded 20196 yrs activeEuropark-Noord 4, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 0736.553.365

The computed 12-month bankruptcy probability of NO STRESS is 1.6% (moderate). For NO STRESS, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (€-9k) and a net result of €-16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 842 sector peers (fiscal year 2023). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

No current score

Figures too old

The available figures for FY 2023 are too old to assess current financial health.

Filing: At least two filing cycles are missing

Axes, FY 2023 · tick = 2022

Profitability0▼-86

Solvency0▼-38

Growth32▼-26

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 2023

Solvency, return and age of the figures

Solvency

-25.7%

Return on assets

-43%

Age of the figures

33 mo

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 93

Relative position

BE, all sectors

reference

Sector 93

lower

← fewer bankruptcies more bankruptcies →

Two or more financial years not filed

Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.

NBB · 4 filings

Position against the passed deadline

31-12-2024 close31-07-2025 deadline23-09-2026 today

Filed after the deadline

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 27-09-2024, 58 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 · 4 filings

Deviation from the deadline

2025

not confirmed

2024

not filed

2023

58 d late

2022

32 d late

2021

30 d late

2020

17 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2023, abbreviated schema

Equity

€-9k

2022 · €6k

2020: €12k 2021: €-382 2022: €6k

2020 → 2023

Total assets

€36k▼ 22.6%

2022 · €47k

2020: €86k 2021: €42k 2022: €47k

2020 → 2023

Net result

€-16k

2022 · €7k

2020: €-8k 2021: €-12k 2022: €7k

2020 → 2023

Working capital

€-19k▼ 29,959%

2022 · €-62

2020: €13k 2021: €-4k 2022: €-62

2020 → 2023

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2020202120222023Trend

Equity€12k-€-382€6k€-9k

Operating result€-7k-€-11k▼ 61.3%€8k€-15k

Net result€-8k-€-12k▼ 44.1%€7k€-16k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2023: a loss of €15k after €8k in 2022, the lowest result in the available series.

Balance-sheet composition

2023 in colour, 2022 as the grey bar beneath

Assets €36k

47.6%

52.4%

Fixed assets €17k▼ 30.1%

Current assets €19k▼ 14.1%

Key figures and ratios

2023 value · change against 2022

EBITDA

€-7k▼

2022 · €15k

Cash flow

€-8k▼

2022 · €14k

Solvency

-25.7%▼

2022 · 13.4%

Current ratio

0.50▼

2022 · 1.00

Quick ratio

0.50▼

2022 · 1.00

Debt / equity

-4.88▼

2022 · 6.48

ROA

-43.0%▼

2022 · 14.2%

Interest coverage

-7.28▼

2022 · 15.07

Debt

€46k▲

2022 · €41k

Debt ≤ 1 year

€38k▲

2022 · €22k

Debt > 1 year

€475▼

2022 · €12k

Staff costs

€6k▲

2022 · €1k

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 · 2023 against 2022

Balance sheet Code20222023

Assets

Total assets20/58€47k€36k▼

Fixed assets21/28€25k€17k▼

Intangible fixed assets21€5k€2k▼

Tangible fixed assets22/27€19k€15k▼

Plant, machinery and equipment23€4k€3k▼

Leasing and similar rights25€16k€12k▼

Current assets29/58€22k€19k▼

Amounts receivable within one year40/41€20k€15k▼

Trade receivables40€9k€14k▲

Other amounts receivable41€11k€1k▼

Cash at bank and in hand54/58€1k-

Deferred charges and accrued income490/1€1k€4k▲

Equity and liabilities

Total equity and liabilities10/49€47k€36k▼

Equity10/15€6k€-9k▼

Contributions10/11€20k€20k=

Profit (loss) carried forward14€-14k€-29k▼

Amounts payable17/49€41k€46k▲

Amounts payable after more than one year17€12k€475▼

Financial debts170/4€12k€475▼

Amounts payable within one year42/48€22k€38k▲

Current portion of amounts payable after more than one year42€12k€12k▲

Financial debts43-€5k

Credit institutions430/8-€5k

Trade debts44€4k€9k▲

Suppliers440/4€4k€9k▲

Advances received on contracts in progress46€1k€1k=

Taxes, remuneration and social security45€376€376=

Remuneration and social security454/9€376€376=

Other amounts payable47/48€5k€10k▲

Accrued charges and deferred income492/3€6k€8k▲

Income statement Code20222023

Remuneration, social security and pensions62€1k€6k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=

Other operating charges640/8€469€132▼

Gross operating margin9900€17k€-2k▼

Operating profit (loss)9901€8k€-15k▼

Financial income75/76B-€4

Recurring financial income75-€4

Financial charges65/66B€1k€985▼

Recurring financial charges65€1k€985▼

Profit (loss) for the period before taxes9903€7k€-16k▼

Profit (loss) for the period9904€7k€-16k▼

Profit (loss) for the period to be appropriated9905€7k€-16k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-14k€-29k▼

Profit (loss) brought forward from the previous period14P€-20k€-14k▲

Social balance

Average headcount (FTE)90870.30.5▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2024

27-09

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 58 days late

2023

31-12

Financial Weakest financial yearnet €-16k ▼335%

Net result drops to €-16k, the lowest in the series.

01-09

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 32 days late

2022

31-12

Financial Back to profitnet €7k

Net result €7k after 2 loss-making years.

30-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 30 days late

2021

17-08

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema · 17 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, Sint-Niklaas · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Europark-Noord 49100 Sint-Niklaas

Ground area

6,076 m²

Building footprint

2,841 m²

Volume, LiDAR

13,957 m³

Parcel 46442C0133/00C002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

NO STRESS

Europark-Noord 4, 9100 Sint-NiklaasBusiness consulting

since 20192.295.705.037

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46442C0133/00C002	Flanders	6,076 m²	1 · 2,841 m²	7.7 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.

Similar companies · same sector, comparable size

Of 1,518 companies in sector 93130 we hold annual accounts for 687. 344 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-10-2019

Fiscal year end31-12

Activities, NACEBEL

93130Fitness centres

85510Sports and recreation education

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.