STADEL
ActiveSummary
The computed 12-month bankruptcy probability of STADEL is 2.5% (moderate). The 2025 annual accounts show equity of €245k and a net result of €3k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 18280 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▲+27
Solvency100▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 4.44 against 3.86 in 2024; short-term debt: 22.4% and cash: 51.5% of total assets), and 22.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
77.5%
Return on assets
1.1%
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 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
40 d late
2023
138 d late
2021
60 d late
2020
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k
2024 · €-86k
2020: €16k
2021: €206k
2023: €28k
2024: €-86k
2020 → 2025
Working capital
€244k▲ 2.4%
2024 · €239k
2020: €25k
2021: €222k
2023: €324k
2024: €239k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€31k-€237k▲ 658%€328k▲ 38.7%€242k▼ 26.3%€245k▲ 1.4%
Operating result€67k-€311k▲ 361%€63k▼ 79.7%€-62k€13k
Net result€16k-€206k▲ 1,167%€28k▼ 86.5%€-86k€3k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13k after a loss of €62k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €317k
Fixed assets
€2k ▼ 52.8%
Current assets
€315k ▼ 2.1%
Equity and liabilities €317k
Equity
€245k ▲ 1.4%
Debt
€71k ▼ 14.3%
Debt's share of the balance-sheet total falls from 25.6% to 22.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €-58k
Cash flow
€5k▲
2024 · €-82k
Current ratio
4.44▲
2024 · 3.86
Quick ratio
4.23▲
2024 · 3.68
Debt to equity
0.29▼
2024 · 0.34
ROE
1.4%▲
2024 · -35.6%
ROA
1.1%▲
2024 · -26.5%
Interest coverage
0.89▲
2024 · -1.62
Debt ≤ 1 year
€71k▼
2024 · €83k
Income taxes
€1k▲
2024 · €-53
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€325k€317k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€322k€315k▼
Stocks and contracts in progress3€16k€15k▼
Stocks30/36€16k€15k▼
Amounts receivable within one year40/41€107k€137k▲
Trade receivables40€23k€10k▼
Other amounts receivable41€84k€127k▲
Cash at bank and in hand54/58€199k€163k▼
Deferred charges and accrued income490/1-€231
Equity and liabilities
Total equity and liabilities10/49€325k€317k▼
Equity10/15€242k€245k▲
Contributions10/11€15k€15k=
Reserves13€28k€28k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€199k€203k▲
Amounts payable17/49€83k€71k▼
Amounts payable within one year42/48€83k€71k▼
Trade debts44€82k€71k▼
Suppliers440/4€82k€71k▼
Taxes, remuneration and social security45€1k€126▼
Taxes450/3€1k€126▼
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€959€864▼
Gross operating margin9900€-57k€16k▲
Operating profit (loss)9901€-62k€13k▲
Financial income75/76B€11k€8k▼
Recurring financial income75€11k€8k▼
Financial charges65/66B€35k€17k▼
Recurring financial charges65€35k€17k▼
Profit (loss) for the period before taxes9903€-86k€5k▲
Income taxes67/77€-53€1k▲
Profit (loss) for the period9904€-86k€3k▲
Profit (loss) for the period to be appropriated9905€-86k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€199k€203k▲
Profit (loss) brought forward from the previous period14P€286k€199k▼
The notes to these accounts (6 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
Back to profitnet €3k
Net result €3k after one loss-making year.
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-12
Financial
Weakest financial yearnet €-86k
Net result drops to €-86k, the lowest in the series; recovery starts the following year.
16-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 138 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 60 days late
2021
31-12
Financial
Highest result since 2020net €206k ▲1,167%
Operating result €311k, net result €206k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.44
Current ratio from 1.06 to 3.44; short-term debt falls from €435k to €91k.
31-12
Financial
Equity above €200kEq €237k ▲658%
2 profitable years in a row build equity to €237k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Brussel · 1 establishment unit since 2020
Ground area
434 m²
Building footprint
346 m²
Volume, LiDAR
6,917 m³
Parcel 21009A0361/00R007, Brussels · tallest building 25.9 m, ±7 floors. Linked by address, not a title deed.
25
companies at this address
See who is registered here
1 establishment unit
Louizalaan 52, 1050 Brussel
since 20202.298.997.691
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0361/00R007 | Brussels | 434 m² | 1 · 346 m² | 25.9 m · 7 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.
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Of 12,958 companies in sector 47120 we hold annual accounts for 2,190. 1,340 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.