S.T.E.C.S.
ActiveS.T.E.C.S. has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124k and a net result of €88k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 62% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency83▲+27
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 0.85 in 2024; short-term debt: 33.9% and cash: 19% of total assets), and 42.2% 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 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
57.8%
Return on assets
41.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
22 d late
2023
29 d late
2022
30 d late
2021
33 d late
2020
31 d late
2019
122 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
Equity
€124k▲ 160%
2024 · €48k
2018: €131k
2019: €113k
2020: €124k
2022: €135k
2023: €133k
2024: €48k
2018 → 2025
Total assets
€215k▲ 38.5%
2024 · €155k
2018: €231k
2019: €203k
2020: €196k
2021: €1
2022: €175k
2023: €244k
2024: €155k
2018 → 2025
Net result
€88k
2024 · €-85k
2018: €-3k
2019: €-18k
2020: €11k
2022: €-2k
2023: €-2k
2024: €-85k
2018 → 2025
Working capital
€60k
2024 · €-12k
2018: €66k
2019: €49k
2020: €66k
2022: €88k
2023: €78k
2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€135k€133k▼ 1.7%€48k▼ 63.9%€124k▲ 160%
Operating result€-4k€-5k▼ 44.3%€-47k▼ 804%€105k
Net result€-2k€-2k▼ 11.4%€-85k▼ 3,612%€88k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €105k after a loss of €47k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €215k
Fixed assets
€82k▼ 8.6%
Current assets
€133k▲ 103%
Equity and liabilities €215k
Equity
€124k▲ 160%
Debt
€91k▼ 15.5%
The debt ratio falls from 69.2% to 42.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€124k▲
2024 · €-27k
Cash flow
€108k▲
2024 · €-64k
Solvency
57.8%▲
2024 · 30.8%
Current ratio
1.83▲
2024 · 0.85
Quick ratio
1.44▲
2024 · 0.69
Debt / equity
0.73▼
2024 · 2.24
ROE
71.1%▲
2024 · -177.3%
ROA
41.1%▲
2024 · -54.7%
Interest coverage
36.08▲
2024 · -0.65
Debt
€91k▼
2024 · €107k
Debt ≤ 1 year
€73k▼
2024 · €77k
Debt > 1 year
€18k▼
2024 · €30k
Income taxes
€16k▲
2024 · €1k
Staff costs
€48k▲
2024 · €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€155k€215k▲
Fixed assets21/28€90k€82k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€86k€80k▼
Land and buildings22€47k€45k▼
Plant, machinery and equipment23€4k€9k▲
Furniture and vehicles24€35k€26k▼
Financial fixed assets28€50€50=
Current assets29/58€66k€133k▲
Stocks and contracts in progress3€12k€28k▲
Stocks30/36€12k€28k▲
Amounts receivable within one year40/41€50k€61k▲
Trade receivables40€23k€36k▲
Other amounts receivable41€27k€25k▼
Cash at bank and in hand54/58€17€41k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€155k€215k▲
Equity10/15€48k€124k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€27k€104k▲
Amounts payable17/49€107k€91k▼
Amounts payable after more than one year17€30k€18k▼
Financial debts170/4€30k€18k▼
Amounts payable within one year42/48€77k€73k▼
Current portion of amounts payable after more than one year42€17k€22k▲
Financial debts43€10k-
Credit institutions430/8€10k-
Trade debts44€40k€42k▲
Suppliers440/4€40k€42k▲
Advances received on contracts in progress46€154€4k▲
Taxes, remuneration and social security45€10k€4k▼
Taxes450/3€8k€599▼
Remuneration and social security454/9€2k€4k▲
Accrued charges and deferred income492/3-€50
Income statement
Code20242025
Non-recurring operating income76A-€11k
Remuneration, social security and pensions62€5k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€19k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-20k€173k▲
Operating profit (loss)9901€-47k€105k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€41k€3k▼
Recurring financial charges65€41k€3k▼
Profit (loss) for the period before taxes9903€-84k€105k▲
Income taxes67/77€1k€16k▲
Profit (loss) for the period9904€-85k€88k▲
Profit (loss) for the period to be appropriated9905€-85k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€116k▲
Profit (loss) brought forward from the previous period14P€112k€27k▼
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (12 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Back to profitnet €88k
Net result €88k after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.83
Current ratio from 0.85 to 1.83; short-term debt falls from €77k to €73k.
31-12
Financial
Equity above €100kEq €124k ▲160%
Equity rises from €48k to €124k.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Weakest financial yearnet €-85k
Net result drops to €-85k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 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
3 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, Chimay · 1 establishment unit since 2001
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 Lalonnerie(BLX) 106464 ChimayGround area
4,713 m²
Building footprint
222 m²
Volume, LiDAR
1,472 m³
2 parcels, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Trieu Bouton(BLX) 103, 6464 Chimay
since 20012.094.280.082
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56002B0341/00M000 | Wallonia | 3,275 m² | 1 · 104 m² | 9.0 m · 2 fl. |
| 56002C0549/00G006 | Wallonia | 1,437 m² | 1 · 118 m² | 8.0 m · 2 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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DE BACKER G. & C°
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Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 8,738 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2001
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
45310
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.
Contact details
1 entryPhone:060214418