STABINVEST
ActiveSTABINVEST has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €638k and a net result of €81k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 9369 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▲+46
Solvency98▲+2
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 6.38 against 2.95 in 2024), and 41.3% 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
58.7%
Return on assets
7.5%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
82 d late
2023
27 d late
2022
31 d late
2021
62 d early
2020
50 d early
2019
77 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€638k▼ 1.0%
2024 · €644k
2018: €134k
2019: €254k
2020: €498k
2021: €731k
2022: €647k
2023: €687k
2024: €644k
2018 → 2025
Total assets
€1.09M▼ 13.8%
2024 · €1.26M
2018: €253k
2019: €675k
2020: €1.22M
2021: €1.90M
2022: €1.46M
2023: €1.34M
2024: €1.26M
2018 → 2025
Net result
€81k▲ 255%
2024 · €23k
2018: €81k
2019: €121k
2020: €263k
2021: €233k
2022: €9k
2023: €5k
2024: €23k
2018 → 2025
Working capital
€296k▼ 11.3%
2024 · €334k
2018: €78k
2019: €234k
2020: €776k
2021: €1.01M
2022: €441k
2023: €500k
2024: €334k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€731k-€647k▼ 11.5%€687k▲ 6.2%€644k▼ 6.3%€638k▼ 1.0%
Operating result€345k-€21k▼ 94.0%€6k▼ 70.2%€29k▲ 367%€121k▲ 323%
Net result€233k-€9k▼ 96.3%€5k▼ 41.2%€23k▲ 351%€81k▲ 255%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 323% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€734k▼ 2.7%
Current assets
€351k▼ 30.5%
Equity and liabilities €1.09M
Equity
€638k▼ 1.0%
Debt
€448k▼ 27.2%
The debt ratio falls from 48.9% to 41.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€210k▲
2024 · €114k
Cash flow
€171k▲
2024 · €108k
Solvency
58.7%▲
2024 · 51.1%
Current ratio
6.38▲
2024 · 2.95
Quick ratio
5.95▲
2024 · 2.81
Debt / equity
0.70▼
2024 · 0.96
ROE
12.7%▲
2024 · 3.5%
ROA
7.5%▲
2024 · 1.8%
Interest coverage
33.19▲
2024 · 15.06
Debt
€448k▼
2024 · €615k
Debt ≤ 1 year
€55k▼
2024 · €171k
Debt > 1 year
€393k▼
2024 · €444k
Income taxes
€40k▲
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€1.26M€1.09M▼
Fixed assets21/28€754k€734k▼
Tangible fixed assets22/27€754k€734k▼
Land and buildings22€635k€640k▲
Plant, machinery and equipment23€13k€8k▼
Furniture and vehicles24€71k€53k▼
Other tangible fixed assets26€36k€34k▼
Current assets29/58€505k€351k▼
Stocks and contracts in progress3€24k€24k=
Stocks30/36€24k€24k=
Amounts receivable within one year40/41€130k€196k▲
Trade receivables40€128k€151k▲
Other amounts receivable41€2k€45k▲
Current investments50/53€250k-
Cash at bank and in hand54/58€101k€131k▲
Deferred charges and accrued income490/1-€368
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.09M▼
Equity10/15€644k€638k▼
Contributions10/11€5k€5k=
Revaluation surpluses12€35k€35k=
Reserves13€604k€597k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€602k€596k▼
Amounts payable17/49€615k€448k▼
Amounts payable after more than one year17€444k€393k▼
Financial debts170/4€444k€393k▼
Amounts payable within one year42/48€171k€55k▼
Current portion of amounts payable after more than one year42€51k€52k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€4k-
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€110k€267▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€90k▲
Other operating charges640/8€7k€7k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€123k€218k▲
Operating profit (loss)9901€29k€121k▲
Financial income75/76B€7k€7k=
Recurring financial income75€7k€7k=
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€28k€121k▲
Income taxes67/77€5k€40k▲
Profit (loss) for the period9904€23k€81k▲
Profit (loss) for the period to be appropriated9905€23k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€81k▲
Transfer from equity791/2-€87k
Transfer to equity691/2€23k€81k▲
To other reserves6921€23k€81k▲
Profit to be distributed694/7-€87k
Return on contributions (dividend)694-€87k
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 6.38
Current ratio from 2.95 to 6.38; short-term debt falls from €171k to €55k.
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 82 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €5k ▼41.2%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €731k ▲46.9%
4 profitable years in a row build equity to €731k.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €263k ▲118%
Operating result €400k, net result €263k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.29
Current ratio from 2.56 to 5.29.
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €254k ▲90.4%
2 profitable years in a row build equity to €254k.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
12-09
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
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, Dilbeek · 1 establishment unit since 2011
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.
Kloosterweide 41700 DilbeekGround area
3,478 m²
Building footprint
189 m²
Volume, LiDAR
1,164 m³
Parcel 23079A0417/00K000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stabico
since 20112.201.726.487
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23079A0417/00K000 | Flanders | 3,478 m² | 1 · 189 m² | 8.2 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.
Similar companies · same sector, comparable size
CLIMACT
BE 0892.272.118
Ottignies-Louvain-la-Neuve · Eq €637k
MICHEL ENGINEERING
BE 0475.820.830
Fléron · Eq €638k
SV ALTERNATIVE
BE 0631.816.527
Chapelle-lez-Herlaimont · Eq €637k
STABILOGICS
BE 0476.779.150
Kampenhout · Eq €639k
HOPTIMIZE
BE 0679.741.059
Watermaal-Bosvoorde · Eq €639k
Of 11,505 companies in sector 71121 we hold annual accounts for 6,524. 4,079 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-07-2011
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
01430Raising of horses and other equines
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.