STAM
ActiveSTAM has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €869k and a net result of €105k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 83% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+9
Solvency97▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 4.11 against 8.08 in 2024; short-term debt: 11.4% and cash: 18.4% of total assets), and 27.5% of the assets are financed with debt.
Credit advice 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 · 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
72.5%
Return on assets
8.8%
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 17-07-2026, 14 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
14 d early
2024
9 d early
2023
27 d late
2022
4 d early
2021
12 d early
2020
59 d late
2019
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€869k▲ 13.7%
2024 · €764k
2018: €261k
2019: €366k
2020: €525k
2021: €630k
2022: €723k
2023: €748k
2024: €764k
2018 → 2025
Total assets
€1.20M▲ 19.4%
2024 · €1.00M
2018: €635k
2019: €463k
2020: €1.01M
2021: €963k
2022: €891k
2023: €1.05M
2024: €1.00M
2018 → 2025
Net result
€105k▲ 562%
2024 · €16k
2018: €162k
2019: €105k
2020: €159k
2021: €106k
2022: €92k
2023: €26k
2024: €16k
2018 → 2025
Working capital
€426k▲ 32.9%
2024 · €320k
2018: €240k
2019: €361k
2020: €174k
2021: €157k
2022: €93k
2023: €303k
2024: €320k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€630k-€723k▲ 14.6%€748k▲ 3.6%€764k▲ 2.1%€869k▲ 13.7%
Operating result€152k-€132k▼ 12.9%€48k▼ 63.9%€26k▼ 46.2%€149k▲ 482%
Net result€106k-€92k▼ 12.6%€26k▼ 72.1%€16k▼ 38.3%€105k▲ 562%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 482% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€636k▼ 0.3%
Current assets
€563k▲ 53.9%
Equity and liabilities €1.20M
Equity
€869k▲ 13.7%
Debt
€330k▲ 37.5%
The debt ratio rises from 23.9% to 27.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€152k▲
2024 · €32k
Cash flow
€108k▲
2024 · €22k
Solvency
72.5%▼
2024 · 76.1%
Current ratio
4.11▼
2024 · 8.08
Quick ratio
3.74▼
2024 · 6.86
Debt / equity
0.38▲
2024 · 0.31
ROE
12.1%▲
2024 · 2.1%
ROA
8.8%▲
2024 · 1.6%
Interest coverage
284.34▲
2024 · 26.33
Debt
€330k▲
2024 · €240k
Debt ≤ 1 year
€137k▲
2024 · €45k
Debt > 1 year
€193k▼
2024 · €195k
Income taxes
€44k▲
2024 · €9k
Staff costs
€95k▲
2024 · €79k
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€1.00M€1.20M▲
Fixed assets21/28€638k€636k▼
Tangible fixed assets22/27€9k€6k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€6k€5k▼
Financial fixed assets28€630k€630k=
Current assets29/58€366k€563k▲
Stocks and contracts in progress3€55k€51k▼
Stocks30/36€55k€51k▼
Amounts receivable within one year40/41€280k€289k▲
Trade receivables40€27k€35k▲
Other amounts receivable41€253k€254k▲
Cash at bank and in hand54/58€30k€221k▲
Deferred charges and accrued income490/1€817€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.00M€1.20M▲
Equity10/15€764k€869k▲
Contributions10/11€19k€19k=
Reserves13€746k€851k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€744k€849k▲
Amounts payable17/49€240k€330k▲
Amounts payable after more than one year17€195k€193k▼
Financial debts170/4€195k€193k▼
Amounts payable within one year42/48€45k€137k▲
Current portion of amounts payable after more than one year42€2k€2k=
Trade debts44€6k€29k▲
Suppliers440/4€6k€29k▲
Taxes, remuneration and social security45€33k€102k▲
Taxes450/3€24k€90k▲
Remuneration and social security454/9€9k€12k▲
Other amounts payable47/48€5k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€79k€95k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€116k€254k▲
Operating profit (loss)9901€26k€149k▲
Financial income75/76B€58€475▲
Recurring financial income75€58€475▲
Financial charges65/66B€1k€536▼
Recurring financial charges65€1k€536▼
Profit (loss) for the period before taxes9903€24k€149k▲
Income taxes67/77€9k€44k▲
Profit (loss) for the period9904€16k€105k▲
Profit (loss) for the period to be appropriated9905€16k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€105k▲
Transfer to equity691/2€16k€105k▲
To other reserves6921€16k€105k▲
Social balance
Average headcount (FTE)90871.92.2▲
The notes to these accounts (14 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €16k ▼38.3%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 8.08
Current ratio from 3.82 to 8.08; short-term debt falls from €107k to €45k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 3.82
Current ratio from 1.60 to 3.82; short-term debt falls from €154k to €107k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 59 days late
2020
31-12
Financial
Equity above €500kEq €525k ▲43.5%
3 profitable years in a row build equity to €525k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 5.74
Current ratio from 1.68 to 5.74; short-term debt falls from €354k to €76k.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
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, Antwerpen · 1 establishment unit since 2016
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.
Oever 212000 AntwerpenGround area
410 m²
Building footprint
312 m²
Volume, LiDAR
3,357 m³
Parcel 11804D3299/00K000, Flanders · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
STAM
since 20162.258.854.539
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D3299/00K000 | Flanders | 410 m² | 1 · 312 m² | 15.7 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Similar companies · same sector, comparable size
CONDOR SAFETY
BE 0898.060.741
Menen · Eq €869k
SJAMPION JEANS
BE 0421.320.785
Mechelen · Eq €858k
Mimosa Lingerie
BE 0809.499.840
Sint-Truiden · Eq €881k
GOEMAERE MODE
BE 0445.665.312
Bredene · Eq €882k
RANDUM KAULILLE
BE 0537.511.444
Bocholt · Eq €882k
Of 6,501 companies in sector 47716 we hold annual accounts for 2,438. 1,211 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-10-2016
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.