S-T & ASSOCIES
ActiveThe computed 12-month bankruptcy probability of S-T & ASSOCIES is 2.1% (moderate). The 2025 annual accounts show equity of €110k and a net result of €37k. Equity is growing by ~45.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 13270 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+21
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.91 against 4.09 in 2024; short-term debt: 25.4% and cash: 31.3% of total assets), and 25.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
74.6%
Return on assets
24.8%
Age of the figures
9 mo
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 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
68 d late
2023
19 d late
2022
1 d late
2021
16 d late
2020
13 d late
2019
90 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€126k
EBIT margin
-17.3%
Net result
€37k▲ 343%
2024 · €8k
2018: €-23k
2019: €32k
2020: €10k
2021: €15k
2022: €77k
2023: €62k
2024: €8k
2018 → 2025
Working capital
€109k▲ 52.5%
2024 · €72k
2018: €-115k
2019: €-84k
2020: €-73k
2021: €-59k
2022: €20k
2023: €62k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-56k-€22k€65k▲ 201%€74k▲ 12.7%€110k▲ 49.9%
Operating result€16k-€77k▲ 398%€63k▼ 19.0%€12k▼ 81.2%€57k▲ 387%
Net result€15k-€77k▲ 401%€62k▼ 20.2%€8k▼ 86.5%€37k▲ 343%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 387% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€1k▼ 46.5%
Current assets
€147k▲ 54.8%
Equity and liabilities €148k
Equity
€110k▲ 49.9%
Debt
€38k▲ 61.8%
The debt ratio rises from 24.0% to 25.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58k▲
2024 · €13k
Cash flow
€38k▲
2024 · €9k
Solvency
74.6%▼
2024 · 76.0%
Current ratio
3.91▼
2024 · 4.09
Quick ratio
3.86▼
2024 · 3.98
Debt / equity
0.34▲
2024 · 0.32
ROE
33.3%▲
2024 · 11.3%
ROA
24.8%▲
2024 · 8.6%
Interest coverage
162.87▲
2024 · 47.04
Debt
€38k▲
2024 · €23k
Debt ≤ 1 year
€38k▲
2024 · €23k
Income taxes
€20k▲
2024 · €3k
Staff costs
€5k
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€97k€148k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€495-
Other tangible fixed assets26€1k€1k▼
Current assets29/58€95k€147k▲
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€18k€99k▲
Other amounts receivable41€18k€99k▲
Cash at bank and in hand54/58€75k€46k▼
Equity and liabilities
Total equity and liabilities10/49€97k€148k▲
Equity10/15€74k€110k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€55k€92k▲
Amounts payable17/49€23k€38k▲
Amounts payable within one year42/48€23k€38k▲
Trade debts44€23k€31k▲
Suppliers440/4€23k€31k▲
Taxes, remuneration and social security45€308€7k▲
Taxes450/3-€3k
Remuneration and social security454/9€308€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€925€925=
Other operating charges640/8€587€387▼
Non-recurring operating charges66A€7k€15k▲
Gross operating margin9900€20k€79k▲
Operating profit (loss)9901€12k€57k▲
Financial charges65/66B€270€357▲
Recurring financial charges65€270€357▲
Profit (loss) for the period before taxes9903€12k€57k▲
Income taxes67/77€3k€20k▲
Profit (loss) for the period9904€8k€37k▲
Profit (loss) for the period to be appropriated9905€8k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€92k▲
Profit (loss) brought forward from the previous period14P€47k€55k▲
The notes to these accounts (4 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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €110k ▲49.9%
7 profitable years in a row build equity to €110k.
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 4.09
Current ratio from 1.76 to 4.09; short-term debt falls from €82k to €23k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-12
Financial
Highest result since 2018net €77k ▲401%
Operating result €77k, net result €77k, both a record.
31-12
Financial
Liquidity times 5current ratio 1.45
Current ratio from 0.31 to 1.45; short-term debt falls from €85k to €43k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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-Jans-Molenbeek · 1 establishment unit since 2009
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.
Schoolstraat 361080 Sint-Jans-MolenbeekGround area
195 m²
Building footprint
168 m²
Volume, LiDAR
2,439 m³
Parcel 21522B0185/00B011, Brussels · tallest building 18.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20092.176.320.011
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21522B0185/00B011 | Brussels | 195 m² | 1 · 168 m² | 18.0 m · 6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Jans-Molenbeek2.176.320.011
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HET NIEUWE ROOI
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OPTIMALE RECREATIEVE en FEESTELIJKE EVENEMENTEN SERVICE
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,450 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2008
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.