S.T.C. CONSULT
ActiveSummary
S.T.C. CONSULT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €699k and a net result of €51k. Equity is growing by ~82.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-47
Solvency68▼-24
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 5.07 in 2024; short-term debt: 33.2% and cash: 24% of total assets), but 56.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
43.1%
Return on assets
3.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-01-2026, 108 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
108 d early
2024
30 d early
2023
25 d early
2022
5 d early
2021
33 d early
2020
24 d early
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€51k▼ 78.6%
2024 · €237k
2018: €2k
2019: €32k
2020: €57k
2021: €25k
2022: €184k
2023: €182k
2024: €237k
2018 → 2025
Working capital
€328k▼ 55.9%
2024 · €744k
2018: €4k
2019: €38k
2020: €78k
2021: €13k
2022: €106k
2023: €647k
2024: €744k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€117k-€300k▲ 157%€482k▲ 60.5%€705k▲ 46.1%€699k▼ 0.7%
Operating result€94k-€306k▲ 225%€337k▲ 10.2%€419k▲ 24.3%€177k▼ 57.7%
Net result€25k-€184k▲ 625%€182k▼ 1.0%€237k▲ 30.2%€51k▼ 78.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.62M
Fixed assets
€756k ▲ 490%
Current assets
€866k ▼ 6.5%
Equity and liabilities €1.62M
Equity
€699k ▼ 0.7%
Debt
€923k ▲ 164%
Debt's share of the balance-sheet total rises from 33.2% to 56.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€245k▼
2024 · €434k
Cash flow
€119k▼
2024 · €252k
Current ratio
1.61▼
2024 · 5.07
Quick ratio
0.96▼
2024 · 2.19
Debt to equity
1.32▲
2024 · 0.50
ROE
7.2%▼
2024 · 33.6%
ROA
3.1%▼
2024 · 22.4%
Interest coverage
2.31▼
2024 · 5.10
Debt ≤ 1 year
€538k▲
2024 · €183k
Debt > 1 year
€385k▲
2024 · €167k
Income taxes
€20k▼
2024 · €105k
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 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.05M€1.62M▲
Fixed assets21/28€128k€756k▲
Tangible fixed assets22/27€128k€754k▲
Land and buildings22€100k€735k▲
Plant, machinery and equipment23€19k€13k▼
Furniture and vehicles24€9k€6k▼
Financial fixed assets28-€3k
Current assets29/58€927k€866k▼
Stocks and contracts in progress3€526k€350k▼
Stocks30/36€526k€350k▼
Amounts receivable within one year40/41€146k€127k▼
Trade receivables40€145k€948▼
Other amounts receivable41€953€126k▲
Cash at bank and in hand54/58€255k€389k▲
Equity and liabilities
Total equity and liabilities10/49€1.05M€1.62M▲
Equity10/15€705k€699k▼
Contributions10/11€19k€19k=
Reserves13€683k€678k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€683k€678k▼
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€350k€923k▲
Amounts payable after more than one year17€167k€385k▲
Financial debts170/4€167k€385k▲
Amounts payable within one year42/48€183k€538k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Financial debts43€40k€58k▲
Credit institutions430/8€40k€58k▲
Trade debts44€21k€131k▲
Suppliers440/4€21k€131k▲
Taxes, remuneration and social security45€60k€32k▼
Taxes450/3€60k€32k▼
Other amounts payable47/48€53k€308k▲
Accrued charges and deferred income492/3-€150
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€68k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-9k€0▲
Other operating charges640/8€32k€11k▼
Gross operating margin9900€456k€256k▼
Operating profit (loss)9901€419k€177k▼
Financial income75/76B€8k€0▼
Recurring financial income75€8k€0▼
Non-recurring financial income76B€8k€0▼
Financial charges65/66B€85k€106k▲
Recurring financial charges65€85k€106k▲
Profit (loss) for the period before taxes9903€341k€71k▼
Income taxes67/77€105k€20k▼
Profit (loss) for the period9904€237k€51k▼
Profit (loss) for the period to be appropriated9905€237k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€239k€53k▼
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer from equity791/2€14k€56k▲
Transfer to equity691/2€237k€51k▼
To other reserves6921€237k€51k▼
Profit to be distributed694/7€14k€56k▲
Return on contributions (dividend)694€14k€56k▲
Social balance
Average headcount (FTE)9087-0.0
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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €237k ▲30.2%
Operating result €419k, net result €237k, both a record.
30-09
Financial
Equity above €500kEq €705k ▲46.1%
7 profitable years in a row build equity to €705k.
05-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €200kEq €300k ▲157%
5 profitable years in a row build equity to €300k.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €100kEq €117k ▲27.7%
4 profitable years in a row build equity to €117k.
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-04
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, Visé · 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.
Quai du Barrage(LIX) 134600 ViséGround area
1,924 m²
Building footprint
136 m²
Volume, LiDAR
1,550 m³
Parcel 62065B0651/00E000, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
S.T.C. CONSULT
since 20092.176.357.722
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62065B0651/00E000 | Wallonia | 1,924 m² | 1 · 136 m² | 13.6 m · 4 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
Legal Entity Identifier
254900AAWGM7WD37YG29
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Of 1,292 companies in sector 68122 we hold annual accounts for 901. 565 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
Founded22-06-2007
Fiscal year end30-09
Activities, NACEBEL 2025
68122Development of non-residential building projects
68110Buying and selling of own real estate
68121Development of residential building projects
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.