Stappaerts Elektro
ActiveSummary
The computed 12-month bankruptcy probability of Stappaerts Elektro is 2.4% (moderate). The 2025 annual accounts show equity of €3k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 27786 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+41
Solvency29=
Growth32=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.69 against 0.54 in 2024; short-term debt: 89.9% and cash: 4.2% of total assets), and 95.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 11%
← weakest
strongest →
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 20-07-2026, 11 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
11 d early
2024
27 d early
2023
2 d early
2022
69 d early
← 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
Equity
€3k▲ 89.4%
2024 · €2k
2022: €20k
2023: €5k
2024: €2k
2022 → 2025
Total assets
€84k▲ 107%
2024 · €41k
2022: €62k
2023: €59k
2024: €41k
2022 → 2025
Net result
€2k
2024 · €-4k
2022: €17k
2023: €-15k
2024: €-4k
2022 → 2025
Working capital
€-24k▼ 67.3%
2024 · €-14k
2022: €10k
2023: €-5k
2024: €-14k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€5k▼ 73.2%€2k▼ 66.6%€3k▲ 89.4%
Operating result€21k-€-13k€-2k▲ 86.6%€3k
Net result€17k-€-15k€-4k▲ 75.6%€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€32k ▲ 32.9%
Current assets
€52k ▲ 217%
Equity and liabilities €84k
Equity
€3k ▲ 89.4%
Debt
€81k ▲ 108%
Debt's share of the balance-sheet total rises from 95.5% to 95.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€10k▲
2024 · €2k
Cash flow
€8k▲
2024 · €502
Current ratio
0.69▲
2024 · 0.54
Quick ratio
0.68▲
2024 · 0.51
Debt to equity
23.57▲
2024 · 21.45
ROE
47.2%▲
2024 · -199.4%
ROA
1.9%▲
2024 · -8.9%
Interest coverage
4.74▲
2024 · 1.44
Debt ≤ 1 year
€76k▲
2024 · €31k
Debt > 1 year
€5k▼
2024 · €8k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€41k€84k▲
Fixed assets21/28€24k€32k▲
Tangible fixed assets22/27€24k€32k▲
Plant, machinery and equipment23-€14k
Furniture and vehicles24€24k€18k▼
Current assets29/58€16k€52k▲
Stocks and contracts in progress3€731€828▲
Stocks30/36€731€828▲
Amounts receivable within one year40/41€10k€48k▲
Trade receivables40€10k€48k▲
Cash at bank and in hand54/58€5k€4k▼
Deferred charges and accrued income490/1€970-
Equity and liabilities
Total equity and liabilities10/49€41k€84k▲
Equity10/15€2k€3k▲
Contributions10/11€3k€3k=
Reserves13-€431
Distributable reserves133-€431
Profit (loss) carried forward14€-1k-
Amounts payable17/49€39k€81k▲
Amounts payable after more than one year17€8k€5k▼
Financial debts170/4€8k€5k▼
Amounts payable within one year42/48€31k€76k▲
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€7k€42k▲
Suppliers440/4€7k€42k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€2k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€18k€27k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€255€1k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€7k€11k▲
Operating profit (loss)9901€-2k€3k▲
Financial income75/76B€67€296▲
Recurring financial income75€67€296▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-3k€2k▲
Income taxes67/77€291-
Profit (loss) for the period9904€-4k€2k▲
Profit (loss) for the period to be appropriated9905€-4k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€431▲
Profit (loss) brought forward from the previous period14P-€-1k
Transfer from equity791/2€2k-
Transfer to equity691/2-€431
To other reserves6921-€431
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k ▼186%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Herenthout · 1 establishment unit since 2021
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.
Langstraat 1132270 HerenthoutGround area
453 m²
Building footprint
236 m²
Volume, LiDAR
1,163 m³
Parcel 13012D0265/00G000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stappaerts Elektro
since 20212.323.602.039
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13012D0265/00G000 | Flanders | 453 m² | 1 · 236 m² | 7.4 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.
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BE 0767.988.689
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 2,822 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
Founded27-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.