STARSCHEMA
ActiveSTARSCHEMA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €81k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
2%
Return on assets
84.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 16989 sector peers (2025).
NBB · sector comparisonPosition among 16989 sector peers
Solvency
better than 10%
← 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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
14 d early
2022
3 d early
2021
6 d early
2020
11 d late
2019
45 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k=
2024 · €2k
2019: €111k
2020: €160k
2021: €201k
2022: €14k
2023: €14k
2024: €2k
2019 → 2025
Total assets
€95k▼ 1.6%
2024 · €97k
2019: €131k
2020: €175k
2021: €226k
2022: €247k
2023: €110k
2024: €97k
2019 → 2025
Net result
€81k▼ 1.1%
2024 · €81k
2019: €98k
2020: €49k
2021: €41k
2022: €40k
2023: €74k
2024: €81k
2019 → 2025
Working capital
€-726▲ 55.0%
2024 · €-2k
2019: €106k
2020: €157k
2021: €197k
2022: €11k
2023: €10k
2024: €-2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€201k-€14k▼ 92.9%€14k=€2k▼ 87.0%€2k=
Operating result€52k-€50k▼ 3.9%€94k▲ 86.9%€111k▲ 17.9%€109k▼ 1.6%
Net result€41k-€40k▼ 3.9%€74k▲ 86.6%€81k▲ 10.0%€81k▼ 1.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€3k▼ 25.5%
Current assets
€93k▼ 0.8%
Equity and liabilities €95k
Equity
€2k=
Debt
€93k▼ 1.7%
The debt ratio stays at 98.0%.
Key figures and ratios
EBITDA
€110k▼
2024 · €112k
Cash flow
€81k▼
2024 · €82k
Solvency
2.0%▲
2024 · 1.9%
Current ratio
0.99▲
2024 · 0.98
Quick ratio
0.99▲
2024 · 0.98
Debt / equity
50.19▼
2024 · 51.05
ROA
84.6%▲
2024 · 84.1%
Interest coverage
852.71▲
2024 · 425.17
Debt
€93k▼
2024 · €95k
Debt ≤ 1 year
€93k▼
2024 · €95k
Income taxes
€28k▼
2024 · €29k
A ratio outside any meaningful range has been withheld (balance sheet total €95k, equity €2k).
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€97k€95k▼
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€595€108▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€155€155=
Current assets29/58€93k€93k▼
Amounts receivable within one year40/41€12k€12k▼
Trade receivables40€12k€12k▼
Cash at bank and in hand54/58€81k€80k▼
Deferred charges and accrued income490/1€452€474▲
Equity and liabilities
Total equity and liabilities10/49€97k€95k▼
Equity10/15€2k€2k=
Contributions10/11€0€0=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Amounts payable17/49€95k€93k▼
Amounts payable within one year42/48€95k€93k▼
Trade debts44€13-
Suppliers440/4€13-
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Other amounts payable47/48€89k€91k▲
Income statement
Code20242025
Non-recurring operating income76A-€500
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€886€886=
Other operating charges640/8€387€400▲
Gross operating margin9900€112k€110k▼
Operating profit (loss)9901€111k€109k▼
Financial charges65/66B€263€129▼
Recurring financial charges65€263€129▼
Profit (loss) for the period before taxes9903€111k€109k▼
Income taxes67/77€29k€28k▼
Profit (loss) for the period9904€81k€81k▼
Profit (loss) for the period to be appropriated9905€81k€81k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€81k▼
Profit to be distributed694/7€81k€81k▼
Return on contributions (dividend)694€81k€81k▼
The notes to these accounts (7 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €40k ▼3.9%
Net result drops to €40k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €201k ▲25.8%
3 profitable years in a row build equity to €201k.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Equity above €150kEq €160k ▲44.4%
2 profitable years in a row build equity to €160k.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 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, Schaarbeek · 1 establishment unit since 2018
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.
Jenatzystraat 271030 SchaarbeekGround area
278 m²
Building footprint
225 m²
Volume, LiDAR
3,866 m³
Parcel 21906D0263/00R003, Brussels · tallest building 21.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
STARSCHEMA
since 20182.284.113.042
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0263/00R003 ProtectedSite or landscapeLouis Bertrandlaan |
Brussels | 278 m² | 1 · 225 m² | 21.5 m · 6 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).
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Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 2,911 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62030Computer programming, consultancy and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.