ST&M
ActiveST&M has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €45k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 69% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-1
Solvency98▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 1.21 in 2024; short-term debt: 19.6% and cash: 28.4% of total assets), and 27.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
72.7%
Return on assets
14.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
15 d early
2023
34 d late
2022
17 d late
2021
3 d early
2020
6 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€220k▲ 15.6%
2024 · €190k
2019: €123k
2020: €127k
2021: €75k
2022: €157k
2023: €172k
2024: €190k
2019 → 2025
Total assets
€302k▲ 3.0%
2024 · €293k
2019: €238k
2020: €226k
2021: €202k
2022: €274k
2023: €267k
2024: €293k
2019 → 2025
Net result
€45k▼ 2.9%
2024 · €46k
2019: €1k
2020: €4k
2021: €8k
2022: €82k
2023: €41k
2024: €46k
2019 → 2025
Working capital
€46k▲ 207%
2024 · €15k
2019: €108k
2020: €107k
2021: €49k
2022: €128k
2023: €134k
2024: €15k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€157k▲ 110%€172k▲ 9.4%€190k▲ 10.5%€220k▲ 15.6%
Operating result€36k-€122k▲ 244%€78k▼ 36.1%€68k▼ 12.8%€64k▼ 5.8%
Net result€8k-€82k▲ 913%€41k▼ 49.7%€46k▲ 11.4%€45k▼ 2.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302k
Fixed assets
€196k▼ 5.3%
Current assets
€106k▲ 23.2%
Equity and liabilities €302k
Equity
€220k▲ 15.6%
Debt
€82k▼ 20.1%
The debt ratio falls from 35.2% to 27.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€67k▼
2024 · €69k
Cash flow
€48k▲
2024 · €47k
Solvency
72.7%▲
2024 · 64.8%
Current ratio
1.78▲
2024 · 1.21
Quick ratio
1.78▲
2024 · 1.21
Debt / equity
0.38▼
2024 · 0.54
ROE
20.4%▼
2024 · 24.3%
ROA
14.8%▼
2024 · 15.7%
Interest coverage
12.81▲
2024 · 12.38
Debt
€82k▼
2024 · €103k
Debt ≤ 1 year
€59k▼
2024 · €71k
Debt > 1 year
€23k▼
2024 · €33k
Income taxes
€16k▼
2024 · €21k
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€293k€302k▲
Fixed assets21/28€207k€196k▼
Tangible fixed assets22/27€67k€66k▼
Land and buildings22€64k€62k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€281€2k▲
Financial fixed assets28€140k€130k▼
Current assets29/58€86k€106k▲
Amounts receivable within one year40/41€10k€20k▲
Trade receivables40€1k€20k▲
Other amounts receivable41€9k-
Cash at bank and in hand54/58€76k€86k▲
Equity and liabilities
Total equity and liabilities10/49€293k€302k▲
Equity10/15€190k€220k▲
Reserves13€190k€220k▲
Distributable reserves133€190k€220k▲
Amounts payable17/49€103k€82k▼
Amounts payable after more than one year17€33k€23k▼
Financial debts170/4€33k€23k▼
Amounts payable within one year42/48€71k€59k▼
Current portion of amounts payable after more than one year42€31k€34k▲
Trade debts44€14k€4k▼
Suppliers440/4€14k€4k▼
Taxes, remuneration and social security45€22k€21k▼
Taxes450/3€22k€21k▼
Other amounts payable47/48€3k€41▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€5k€2k▼
Non-recurring operating charges66A€15k-
Gross operating margin9900€89k€69k▼
Operating profit (loss)9901€68k€64k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€67k€61k▼
Income taxes67/77€21k€16k▼
Profit (loss) for the period9904€46k€45k▼
Profit (loss) for the period to be appropriated9905€46k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€45k▼
Transfer from equity791/2€28k€15k▼
Transfer to equity691/2€46k€45k▼
To other reserves6921€46k€45k▼
Profit to be distributed694/7€28k€15k▼
Return on contributions (dividend)694€28k€15k▼
The notes to these accounts (8 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
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Equity above €200kEq €220k ▲15.6%
7 profitable years in a row build equity to €220k.
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 34 days late
2023
17-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 17 days late
2022
30-06
Financial
Highest result since 2019net €82k ▲913%
Operating result €122k, net result €82k, both a record.
30-06
Financial
Equity above €150kEq €157k ▲110%
4 profitable years in a row build equity to €157k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Berlare · 1 establishment unit since 2010
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.
Bunderstraat(B) 11/A9290 BerlareGround area
613 m²
Building footprint
175 m²
Volume, LiDAR
1,025 m³
Parcel 42003D0277/00A000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ST&M
since 20102.185.764.841
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003D0277/00A000 | Flanders | 613 m² | 1 · 175 m² | 9.8 m · 2 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
Recognised contractor
11 categoriesST&M BV42884
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,474 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2010
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.