STAELS BART
ActiveSTAELS BART has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €830k and a net result of €171k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+54
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 25.88 against 26.74 in 2024; short-term debt: 2.8% and cash: 21.5% of total assets), and 18.6% 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 86
Relative position
BE, all sectors
reference
Sector 86
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
81.4%
Return on assets
16.8%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
1 d early
2022
27 d early
2021
75 d late
2020
59 d late
2019
74 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€830k▲ 12.1%
2024 · €741k
2018: €412k
2019: €487k
2020: €539k
2021: €613k
2022: €681k
2023: €736k
2024: €741k
2018 → 2025
Total assets
€1.02M▲ 14.9%
2024 · €888k
2018: €750k
2019: €721k
2020: €725k
2021: €789k
2022: €857k
2023: €892k
2024: €888k
2018 → 2025
Net result
€171k▲ 3,475%
2024 · €5k
2018: €-4k
2019: €76k
2020: €52k
2021: €74k
2022: €68k
2023: €55k
2024: €5k
2018 → 2025
Working capital
€708k▲ 24.2%
2024 · €570k
2018: €215k
2019: €308k
2020: €358k
2021: €438k
2022: €508k
2023: €563k
2024: €570k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€613k-€681k▲ 11.1%€736k▲ 8.0%€741k▲ 0.7%€830k▲ 12.1%
Operating result€107k-€90k▼ 16.1%€45k▼ 49.7%€11k▼ 75.2%€195k▲ 1,641%
Net result€74k-€68k▼ 8.5%€55k▼ 19.6%€5k▼ 91.2%€171k▲ 3,475%
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 1,641% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€284k▼ 4.1%
Current assets
€736k▲ 24.4%
Equity and liabilities €1.02M
Equity
€830k▲ 12.1%
Provisions
€48k
Debt
€143k▼ 3.5%
The debt ratio falls from 16.6% to 14.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€205k▲
2024 · €25k
Cash flow
€182k▲
2024 · €19k
Solvency
81.4%▼
2024 · 83.4%
Current ratio
25.88▼
2024 · 26.74
Quick ratio
25.88▼
2024 · 26.74
Debt / equity
0.17▼
2024 · 0.20
ROE
20.6%▲
2024 · 0.6%
ROA
16.8%▲
2024 · 0.5%
Interest coverage
16.40▲
2024 · 2.00
Debt
€143k▼
2024 · €148k
Debt ≤ 1 year
€28k▲
2024 · €22k
Debt > 1 year
€113k▼
2024 · €123k
Income taxes
€14k▲
2024 · €1k
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€888k€1.02M▲
Fixed assets21/28€296k€284k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€296k€284k▼
Land and buildings22€292k€282k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€294€44▼
Financial fixed assets28€62-
Current assets29/58€592k€736k▲
Amounts receivable within one year40/41€32k€651▼
Other amounts receivable41€32k€651▼
Current investments50/53€495k€515k▲
Cash at bank and in hand54/58€63k€219k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€888k€1.02M▲
Equity10/15€741k€830k▲
Contributions10/11€19k€19k=
Reserves13€722k€811k▲
Tax-exempt reserves132€11k€154k▲
Distributable reserves133€710k€657k▼
Provisions and deferred taxes16-€48k
Deferred taxes168-€48k
Amounts payable17/49€148k€143k▼
Amounts payable after more than one year17€123k€113k▼
Financial debts170/4€123k€113k▼
Amounts payable within one year42/48€22k€28k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Financial debts43-€6
Credit institutions430/8-€6
Trade debts44€12k€2k▼
Suppliers440/4€12k€2k▼
Other amounts payable47/48-€15k
Accrued charges and deferred income492/3€3k€850▼
Income statement
Code20242025
Non-recurring operating income76A-€190k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€11k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€28k€209k▲
Operating profit (loss)9901€11k€195k▲
Financial income75/76B€7k€50k▲
Recurring financial income75€7k€50k▲
Financial charges65/66B€12k€13k▲
Recurring financial charges65€12k€13k▲
Profit (loss) for the period before taxes9903€6k€233k▲
Transfer to deferred taxes680-€48k
Income taxes67/77€1k€14k▲
Profit (loss) for the period9904€5k€171k▲
Transfer to tax-exempt reserves689-€143k
Profit (loss) for the period to be appropriated9905€5k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€29k▲
Transfer from equity791/2-€82k
Transfer to equity691/2€5k€29k▲
To other reserves6921€5k€29k▲
Profit to be distributed694/7-€82k
Return on contributions (dividend)694-€82k
The notes to these accounts (16 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €171k ▲3475%
Operating result €195k, net result €171k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 15.10
Current ratio from 5.84 to 15.10; short-term debt falls from €64k to €25k.
31-12
Financial
Equity above €500kEq €539k ▲10.7%
2 profitable years in a row build equity to €539k.
13-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 74 days late
2019
31-12
Financial
Back to profitnet €76k
Net result €76k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 5.84
Current ratio from 2.36 to 5.84; short-term debt falls from €158k to €64k.
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
13-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 105 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Aalst · 1 establishment unit since 1992
Ground area
311 m²
Building footprint
75 m²
Volume, LiDAR
462 m³
Parcel 41019A0242/00H000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gijzegem-Dorp 9, 9308 Aalst
since 19922.228.831.653
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41019A0242/00H000 | Flanders | 311 m² | 1 · 75 m² | 10.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
529900I7IZQ0QML47Z94
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Of 6,938 companies in sector 86230 we hold annual accounts for 4,288. 3,084 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-1991
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.