S.T.C.
ActiveS.T.C. has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+1
Solvency66▲+34
Growth57▲+3
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.57 in 2024), but 65.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 43
Relative position
BE, all sectors
reference
Sector 43
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
34.9%
Return on assets
12.2%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €18k
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
20 d late
2023
28 d late
2022
394 d late
2021
31 d late
2020
31 d late
2019
89 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€91k▲ 16.2%
2024 · €78k
2018: €128k
2019: €80k
2020: €101k
2021: €127k
2022: €90k
2023: €59k
2024: €78k
2018 → 2025
EBIT margin
10.5%▲ 0.5pp
2024 · 10.0%
2018: 3.2%
2019: 7.7%
2020: 1.1%
2021: 2.1%
2022: -1.4%
2023: -12.4%
2024: 10.0%
2018 → 2025
Net result
€6k▲ 27.0%
2024 · €5k
2018: €4k
2019: €14k
2020: €2k
2021: €2k
2022: €-2k
2023: €3k
2024: €5k
2018 → 2025
Working capital
€17k▼ 51.6%
2024 · €36k
2018: €-15k
2019: €118k
2020: €2k
2021: €5k
2022: €7k
2023: €15k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€127k-€90k▼ 29.4%€59k▼ 34.2%€78k▲ 31.9%€91k▲ 16.2%
Equity€6k-€4k▼ 36.5%€7k▲ 71.1%€12k▲ 72.9%€18k▲ 53.5%
Operating result€3k-€-1k€-7k▼ 497%€8k€10k▲ 21.5%
Net result€2k-€-2k€3k€5k▲ 75.4%€6k▲ 27.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€943▼ 37.4%
Current assets
€51k▼ 47.9%
Equity and liabilities €52k
Equity
€18k▲ 53.5%
Debt
€34k▼ 61.4%
The debt ratio falls from 88.1% to 65.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€10k▲
2024 · €9k
Cash flow
€7k▲
2024 · €6k
Solvency
34.9%▲
2024 · 11.9%
Current ratio
1.51▼
2024 · 1.57
Quick ratio
1.51▼
2024 · 1.57
Debt / equity
1.87▼
2024 · 7.42
ROE
34.9%▼
2024 · 42.2%
ROA
12.2%▲
2024 · 5.0%
Interest coverage
15.76▲
2024 · 4.69
Debt
€34k▼
2024 · €88k
Debt ≤ 1 year
€34k▼
2024 · €63k
Debt > 1 year
€0▼
2024 · €25k
Income taxes
€3k▲
2024 · €2k
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€100k€52k▼
Fixed assets21/28€2k€943▼
Tangible fixed assets22/27€2k€943▼
Plant, machinery and equipment23€2k€943▼
Furniture and vehicles24€0€0=
Current assets29/58€99k€51k▼
Amounts receivable within one year40/41€90k€42k▼
Trade receivables40€89k€25k▼
Other amounts receivable41€710€17k▲
Cash at bank and in hand54/58€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€100k€52k▼
Equity10/15€12k€18k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-7k€-328▲
Amounts payable17/49€88k€34k▼
Amounts payable after more than one year17€25k€0▼
Financial debts170/4€25k€0▼
Amounts payable within one year42/48€63k€34k▼
Trade debts44€14k€24k▲
Suppliers440/4€14k€24k▲
Taxes, remuneration and social security45€2k€10k▲
Taxes450/3€2k€10k▲
Other amounts payable47/48€47k€267▼
Income statement
Code20242025
Turnover70€78k€91k▲
Non-recurring operating income76A-€0
Goods, raw materials, services and sundry goods60/61€68k€87k▲
Remuneration, social security and pensions62€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€875€563▼
Other operating charges640/8€442€240▼
Gross operating margin9900€10k€10k▲
Operating profit (loss)9901€8k€10k▲
Financial income75/76B€628-
Recurring financial income75€628-
Financial charges65/66B€2k€639▼
Recurring financial charges65€2k€639▼
Profit (loss) for the period before taxes9903€7k€9k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€5k€6k▲
Profit (loss) for the period to be appropriated9905€5k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-328▲
Profit (loss) brought forward from the previous period14P€-12k€-7k▲
Profit to be distributed694/7€0-
Directors or managers695€0-
The notes to these accounts (10 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
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 394 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
2022
31-12
Financial
Weakest financial yearnet €-2k ▼249%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Highest result since 2018net €14k ▲257%
Net result €14k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 2.47
Current ratio from 0.96 to 2.47; short-term debt falls from €355k to €80k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
21-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 82 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
2 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, Blégny · 2 establishment units since 1984
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 des Châteaux 244671 BlégnyGround area
6,756 m²
Building footprint
164 m²
Volume, LiDAR
1,358 m³
2 parcels, Wallonia · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Rue des Châteaux 24, 4671 Blégny
since 19842.024.536.488
Rue Puits-en-Sock 25, 4020 Liège
since 20032.188.667.220
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62095C0047/00A000 ProtectedMonument |
Wallonia | 6,705 m² | 1 · 111 m² | 9.8 m · 2 fl. |
| 62808A0655/00A000 ProtectedMonument |
Wallonia | 51 m² | 1 · 53 m² | 13.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Betonwerken Bosmans
BE 0766.285.548
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SEBY CONSTRUCT
BE 1003.412.144
Anderlecht · Eq €18k
DOMBAT
BE 0881.958.939
Beersel · Eq €18k
BEDRIJF CDA
BE 0797.291.795
Brugge · Eq €18k
VL EVENTS
BE 0717.973.313
Sint-Martens-Latem · Eq €18k
Of 15,430 companies in sector 43990 we hold annual accounts for 7,352. 5,031 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-04-1984
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.