STAEL CONSULTING

Active

Private limited companyfounded 20206 yrs activeDautzenbergstraat 28, 1050 Elsene, BelgiumKBO/BCE: BE 0743.618.430

The computed 12-month bankruptcy probability of STAEL CONSULTING is 2.7% (moderate). The 2025 annual accounts show equity of €160k and a net result of €-3k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 35% of 11257 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

41 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability34▼-53

Solvency47=

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days only on tighter terms

Liquidity short (current ratio 0.21 against 0.27 in 2024; short-term debt: 24.7% and cash: 0.1% of total assets), and 77.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-07-2026, 27 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

27 d early

2024

23 d early

2023

30 d early

2022

34 d early

2021

16 d late

2020

45 d early

← before the deadline after the deadline →

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 months

Position in the running window

19-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€160k▼ 1.9%

2024 · €163k

2020: €50k 2021: €89k 2022: €224k 2023: €154k 2024: €163k

2020 → 2025

Total assets

€712k▼ 3.7%

2024 · €739k

2020: €74k 2021: €824k 2022: €825k 2023: €807k 2024: €739k

2020 → 2025

Net result

€-3k

2024 · €108k

2020: €45k 2021: €39k 2022: €135k 2023: €190k 2024: €108k

2020 → 2025

Working capital

€-138k▼ 13.6%

2024 · €-122k

2020: €16k 2021: €-51k 2022: €3k 2023: €-105k 2024: €-122k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€89k-€224k▲ 152%€154k▼ 31.2%€163k▲ 5.5%€160k▼ 1.9%

Operating result€57k-€191k▲ 232%€265k▲ 38.9%€167k▼ 37.0%€21k▼ 87.1%

Net result€39k-€135k▲ 246%€190k▲ 40.7%€108k▼ 43.0%€-3k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 87% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €712k

94.8%

Fixed assets €675k▼ 2.7%

Current assets €37k▼ 18.4%

Equity and liabilities €712k

22.4%

77.6%

Equity €160k▼ 1.9%

Debt €553k▼ 4.2%

The debt ratio falls from 78.0% to 77.6%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€41k▼

2024 · €187k

Cash flow

€17k▼

2024 · €129k

Solvency

22.4%▲

2024 · 22.0%

Current ratio

0.21▼

2024 · 0.27

Quick ratio

0.21▼

2024 · 0.27

Debt / equity

3.46▼

2024 · 3.55

ROE

-1.9%▼

2024 · 66.7%

ROA

-0.4%▼

2024 · 14.7%

Interest coverage

1.88▼

2024 · 9.95

Debt

€553k▼

2024 · €577k

Debt ≤ 1 year

€176k▲

2024 · €167k

Debt > 1 year

€371k▼

2024 · €409k

Income taxes

€3k▼

2024 · €39k

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€739k€712k▼

Fixed assets21/28€694k€675k▼

Tangible fixed assets22/27€693k€674k▼

Land and buildings22€646k€641k▼

Plant, machinery and equipment23€28k€20k▼

Furniture and vehicles24€19k€14k▼

Financial fixed assets28€478€478=

Current assets29/58€46k€37k▼

Amounts receivable within one year40/41€36k€37k▲

Trade receivables40€32k€35k▲

Other amounts receivable41€4k€2k▼

Cash at bank and in hand54/58€10k€682▼

Deferred charges and accrued income490/1€0-

Equity and liabilities

Total equity and liabilities10/49€739k€712k▼

Equity10/15€163k€160k▼

Contributions10/11€5k€5k=

Reserves13€92k€92k=

Distributable reserves133€92k€92k=

Profit (loss) carried forward14€65k€62k▼

Amounts payable17/49€577k€553k▼

Amounts payable after more than one year17€409k€371k▼

Financial debts170/4€409k€371k▼

Amounts payable within one year42/48€167k€176k▲

Current portion of amounts payable after more than one year42€45k€38k▼

Trade debts44€3k€6k▲

Suppliers440/4€3k€6k▲

Taxes, remuneration and social security45€76k€16k▼

Taxes450/3€76k€12k▼

Remuneration and social security454/9-€4k

Other amounts payable47/48€43k€115k▲

Accrued charges and deferred income492/3-€6k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▼

Other operating charges640/8€1k€2k▲

Gross operating margin9900€188k€43k▼

Operating profit (loss)9901€167k€21k▼

Financial income75/76B€5€8▲

Recurring financial income75€5€8▲

Financial charges65/66B€19k€22k▲

Recurring financial charges65€19k€22k▲

Profit (loss) for the period before taxes9903€148k€-456▼

Income taxes67/77€39k€3k▼

Profit (loss) for the period9904€108k€-3k▼

Profit (loss) for the period to be appropriated9905€108k€-3k▼

Appropriation of the result

Profit (loss) to be appropriated9906€174k€62k▼

Profit (loss) brought forward from the previous period14P€65k€65k=

Transfer to equity691/2€8k€0▼

To other reserves6921€8k€0▼

Profit to be distributed694/7€100k€0▼

Return on contributions (dividend)694€100k€0▼

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-3k ▼103%

Net result drops to €-3k, the lowest in the series.

08-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

01-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2020net €190k ▲40.7%

Operating result €265k, net result €190k, both a record.

27-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Equity above €200kEq €224k ▲152%

3 profitable years in a row build equity to €224k.

16-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 16 days late

2021

16-06

NBB filing Annual accounts filed

fiscal year 2020 · 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, Elsene · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Dautzenbergstraat 281050 Elsene

Ground area

681 m²

Building footprint

346 m²

Volume, LiDAR

6,965 m³

2 parcels, Brussels · tallest building 38.1 m, ±11 floors. Linked by address, not a title deed.

1 establishment unit

Louizalaan 457, 1050 Elsene

Other professional, scientific and technical activities

since 20202.299.624.629

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21822R0223/00M004	Brussels	518 m²	1 · 254 m²	38.1 m · 11 fl.
21444B0198/00A007	Brussels	163 m²	1 · 92 m²	18.5 m · 5 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.

Similar companies · same sector, comparable size

MANAGMENT and CONSULTING SERVICES

Of 4,426 companies in sector 46180 we hold annual accounts for 1,886. 1,400 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-02-2020

Fiscal year end31-12

Activities, NACEBEL

46180Agents specialised in the wholesale of other particular products

46190Agents in non-specialised wholesale trade

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.