S.T.C. et Co
ActiveS.T.C. et Co has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €434k and a net result of €10k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 32% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+12
Solvency56=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 1.25 in 2024; short-term debt: 12.4% and cash: 0% of total assets), and 68.7% 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 · 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
31.3%
Return on assets
0.7%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
35 d early
2022
7 d early
2021
6 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€10k▲ 112%
2024 · €5k
2019: €432k
2020: €-6k
2021: €3k
2022: €-9k
2023: €-31k
2024: €5k
2019 → 2025
Working capital
€30k▲ 5.3%
2024 · €29k
2019: €566k
2020: €563k
2021: €567k
2022: €560k
2023: €38k
2024: €29k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€458k-€449k▼ 2.0%€418k▼ 6.8%€423k▲ 1.2%€434k▲ 2.4%
Operating result€2k-€-9k€-33k▼ 249%€16k€18k▲ 11.5%
Net result€3k-€-9k€-31k▼ 228%€5k€10k▲ 112%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€1.19M▼ 3.2%
Current assets
€202k▲ 39.5%
Equity and liabilities €1.39M
Equity
€434k▲ 2.4%
Provisions
€182k▼ 2.8%
Debt
€772k▲ 1.7%
The debt ratio rises from 55.4% to 55.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▲
2024 · €67k
Cash flow
€64k▲
2024 · €56k
Solvency
31.3%▲
2024 · 30.9%
Current ratio
1.18▼
2024 · 1.25
Quick ratio
1.18▼
2024 · 1.25
Debt / equity
1.78▼
2024 · 1.79
ROE
2.4%▲
2024 · 1.1%
ROA
0.7%▲
2024 · 0.4%
Interest coverage
5.49▲
2024 · 4.05
Debt
€772k▲
2024 · €759k
Debt ≤ 1 year
€172k▲
2024 · €116k
Debt > 1 year
€600k▼
2024 · €643k
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€1.37M€1.39M▲
Fixed assets21/28€1.22M€1.19M▼
Tangible fixed assets22/27€1.22M€1.19M▼
Land and buildings22€1.07M€1.04M▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€11k€8k▼
Other tangible fixed assets26€138k€136k▼
Current assets29/58€145k€202k▲
Amounts receivable within one year40/41€138k€201k▲
Trade receivables40€35k€82k▲
Other amounts receivable41€103k€119k▲
Cash at bank and in hand54/58€7k€508▼
Deferred charges and accrued income490/1-€240
Equity and liabilities
Total equity and liabilities10/49€1.37M€1.39M▲
Equity10/15€423k€434k▲
Contributions10/11€31k€31k=
Capital10€31k€31k=
Issued capital100€31k€31k=
Reserves13€456k€444k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€446k€433k▼
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€-64k€-41k▲
Provisions and deferred taxes16€187k€182k▼
Deferred taxes168€187k€182k▼
Amounts payable17/49€759k€772k▲
Amounts payable after more than one year17€643k€600k▼
Financial debts170/4€643k€600k▼
Amounts payable within one year42/48€116k€172k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€6k€161▼
Taxes450/3€736€161▼
Remuneration and social security454/9€5k-
Other amounts payable47/48€107k€170k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€53k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€70k€75k▲
Operating profit (loss)9901€16k€18k▲
Financial charges65/66B€17k€13k▼
Recurring financial charges65€17k€13k▼
Profit (loss) for the period before taxes9903€-468€5k▲
Transfer from deferred taxes780€5k€5k=
Profit (loss) for the period9904€5k€10k▲
Transfer from tax-exempt reserves789€13k€13k=
Profit (loss) for the period to be appropriated9905€18k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-64k€-41k▲
Profit (loss) brought forward from the previous period14P€-82k€-64k▲
The notes to these accounts (5 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-03
Financial
Liquidity triplescurrent ratio 43.37
Current ratio from 16.32 to 43.37; short-term debt falls from €37k to €13k.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
27-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Etterbeek · 1 establishment unit since 1992
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.
Boerenstraat 581040 EtterbeekGround area
383 m²
Building footprint
294 m²
Volume, LiDAR
3,652 m³
2 parcels, Brussels · tallest building 19.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
DREAM ON COATCHING
since 19922.059.939.015
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21674C0179/00X000 | Brussels | 193 m² | 1 · 188 m² | 15.3 m · 4 fl. |
| 21364B0194/00W002 | Brussels | 190 m² | 1 · 106 m² | 19.7 m · 5 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.
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Of 9,862 companies in sector 73110 we hold annual accounts for 3,755. 2,280 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-10-1992
Fiscal year end31-03
Activities, NACEBEL
73110Advertising agencies
74401
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.