Sis & Stories
ActiveSis & Stories has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €211k and a net result of €15k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+12
Solvency87▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.82 against 2.6 in 2024; short-term debt: 30.3% and cash: 40.3% of total assets), and 38.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
61.6%
Return on assets
4.4%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
28 d early
2024
9 d early
2023
6 d early
2022
14 d early
2021
3 d early
2020
4 d early
2019
4 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€211k▲ 4.9%
2024 · €201k
2018: €22k
2019: €26k
2020: €61k
2021: €104k
2022: €163k
2023: €193k
2024: €201k
2018 → 2025
Total assets
€342k▼ 6.2%
2024 · €364k
2018: €65k
2019: €60k
2020: €191k
2021: €224k
2022: €272k
2023: €362k
2024: €364k
2018 → 2025
Net result
€15k▲ 99.0%
2024 · €8k
2018: €4k
2019: €3k
2020: €35k
2021: €44k
2022: €59k
2023: €30k
2024: €8k
2018 → 2025
Working capital
€189k▼ 0.9%
2024 · €191k
2018: €18k
2019: €20k
2020: €73k
2021: €115k
2022: €168k
2023: €194k
2024: €191k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€163k▲ 56.2%€193k▲ 18.6%€201k▲ 3.9%€211k▲ 4.9%
Operating result€77k-€88k▲ 14.4%€52k▼ 40.8%€21k▼ 60.4%€31k▲ 48.9%
Net result€44k-€59k▲ 34.0%€30k▼ 48.3%€8k▼ 75.2%€15k▲ 99.0%
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 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €342k
Fixed assets
€49k▼ 9.4%
Current assets
€292k▼ 5.6%
Equity and liabilities €342k
Equity
€211k▲ 4.9%
Debt
€131k▼ 19.8%
The debt ratio falls from 44.9% to 38.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€40k▲
2024 · €31k
Cash flow
€24k▲
2024 · €18k
Solvency
61.6%▲
2024 · 55.1%
Current ratio
2.82▲
2024 · 2.60
Quick ratio
1.82▲
2024 · 1.77
Debt / equity
0.62▼
2024 · 0.81
ROE
7.1%▲
2024 · 3.7%
ROA
4.4%▲
2024 · 2.1%
Interest coverage
4.85▲
2024 · 3.77
Debt
€131k▼
2024 · €163k
Debt ≤ 1 year
€104k▼
2024 · €119k
Debt > 1 year
€27k▼
2024 · €44k
Income taxes
€8k▲
2024 · €5k
Staff costs
€57k▲
2024 · €51k
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€364k€342k▼
Fixed assets21/28€54k€49k▼
Tangible fixed assets22/27€54k€45k▼
Plant, machinery and equipment23€54k€45k▼
Financial fixed assets28-€4k
Current assets29/58€310k€292k▼
Stocks and contracts in progress3€98k€103k▲
Stocks30/36€98k€103k▲
Amounts receivable within one year40/41€51k€46k▼
Other amounts receivable41€51k€46k▼
Cash at bank and in hand54/58€152k€138k▼
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€364k€342k▼
Equity10/15€201k€211k▲
Contributions10/11€20k€20k=
Reserves13€180k€190k▲
Distributable reserves133€180k€190k▲
Amounts payable17/49€163k€131k▼
Amounts payable after more than one year17€44k€27k▼
Financial debts170/4€44k€27k▼
Amounts payable within one year42/48€119k€104k▼
Current portion of amounts payable after more than one year42€44k€17k▼
Trade debts44€22k€20k▼
Suppliers440/4€22k€20k▼
Taxes, remuneration and social security45€40k€42k▲
Taxes450/3€34k€38k▲
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€13k€25k▲
Accrued charges and deferred income492/3-€128
Income statement
Code20242025
Remuneration, social security and pensions62€51k€57k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€84k€99k▲
Operating profit (loss)9901€21k€31k▲
Financial income75/76B€356-
Recurring financial income75€356-
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€13k€22k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€8k€15k▲
Profit (loss) for the period to be appropriated9905€8k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€15k▲
Transfer from equity791/2-€5k
Transfer to equity691/2€8k€15k▲
To other reserves6921€8k€15k▲
Profit to be distributed694/7-€5k
Return on contributions (dividend)694-€5k
The notes to these accounts (7 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €201k ▲3.9%
7 profitable years in a row build equity to €201k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €59k ▲34%
Operating result €88k, net result €59k, both a record.
31-12
Financial
Equity above €150kEq €163k ▲56.2%
5 profitable years in a row build equity to €163k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €104k ▲72.2%
4 profitable years in a row build equity to €104k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
31-12
Financial
Weakest financial yearnet €3k ▼4.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Sint-Niklaas · 3 establishment units since 2017
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.
Belseledorp 319111 Sint-NiklaasGround area
1,246 m²
Building footprint
640 m²
Volume, LiDAR
3,957 m³
3 parcels, Flanders · tallest building 14.6 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Sis & Stories
since 20172.265.020.076
Sis & Stories
since 20202.309.067.479
His Stories
since 20232.349.009.012
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002C0633/00T000 | Flanders | 802 m² | 1 · 242 m² | 11.2 m · 2 fl. |
| 46502D0190/00B000 | Flanders | 367 m² | 1 · 321 m² | 14.6 m · 2 fl. |
| 46002C0410/00A002 | Flanders | 77 m² | 1 · 77 m² | 11.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
GIVERNY
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Messancy · Eq €211k
SALOME
BE 0438.766.236
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SET SEVEN
BE 0429.358.325
Braine-l'Alleud · Eq €209k
Of 6,503 companies in sector 47716 we hold annual accounts for 2,438. 1,759 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2017
Fiscal year end31-12
Activities, NACEBEL
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47715Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.