STB Consult
ActiveSTB Consult has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €39k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 90% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-5
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 11.37 against 6.07 in 2024; short-term debt: 8.1% and cash: 3.7% of total assets), and 8.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
91.9%
Return on assets
11.3%
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
44 d early
2023
51 d early
2022
39 d early
2021
45 d early
2020
24 d early
2019
22 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€317k▲ 14.1%
2024 · €278k
2018: €182k
2019: €219k
2020: €241k
2021: €167k
2022: €207k
2023: €227k
2024: €278k
2018 → 2025
Total assets
€345k▲ 6.2%
2024 · €325k
2018: €249k
2019: €258k
2020: €278k
2021: €206k
2022: €248k
2023: €269k
2024: €325k
2018 → 2025
Net result
€39k▼ 23.7%
2024 · €51k
2018: €64k
2019: €37k
2020: €21k
2021: €26k
2022: €40k
2023: €20k
2024: €51k
2018 → 2025
Working capital
€290k▲ 22.0%
2024 · €238k
2018: €177k
2019: €212k
2020: €226k
2021: €154k
2022: €144k
2023: €178k
2024: €238k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€167k-€207k▲ 23.9%€227k▲ 9.8%€278k▲ 22.6%€317k▲ 14.1%
Operating result€37k-€49k▲ 31.6%€26k▼ 47.0%€59k▲ 128%€45k▼ 22.6%
Net result€26k-€40k▲ 52.4%€20k▼ 49.2%€51k▲ 153%€39k▼ 23.7%
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 falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345k
Fixed assets
€27k▼ 33.1%
Current assets
€318k▲ 11.7%
Equity and liabilities €345k
Equity
€317k▲ 14.1%
Debt
€28k▼ 40.3%
The debt ratio falls from 14.4% to 8.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59k▼
2024 · €72k
Cash flow
€52k▼
2024 · €65k
Solvency
91.9%▲
2024 · 85.6%
Current ratio
11.37▲
2024 · 6.07
Quick ratio
11.37▲
2024 · 6.07
Debt / equity
0.09▼
2024 · 0.17
ROE
12.3%▼
2024 · 18.4%
ROA
11.3%▼
2024 · 15.8%
Interest coverage
39.36▼
2024 · 67.20
Debt
€28k▼
2024 · €47k
Debt ≤ 1 year
€28k▼
2024 · €47k
Income taxes
€10k▼
2024 · €12k
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€325k€345k▲
Fixed assets21/28€40k€27k▼
Tangible fixed assets22/27€40k€27k▼
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€34k€22k▼
Current assets29/58€285k€318k▲
Amounts receivable after more than one year29€3k-
Other amounts receivable291€3k-
Amounts receivable within one year40/41€20k€32k▲
Trade receivables40€11k€26k▲
Other amounts receivable41€8k€5k▼
Current investments50/53€236k€274k▲
Cash at bank and in hand54/58€27k€13k▼
Equity and liabilities
Total equity and liabilities10/49€325k€345k▲
Equity10/15€278k€317k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€258k€297k▲
Amounts payable17/49€47k€28k▼
Amounts payable within one year42/48€47k€28k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€13k€8k▼
Taxes450/3€11k€6k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€33k€18k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€74k€61k▼
Operating profit (loss)9901€59k€45k▼
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€63k€49k▼
Income taxes67/77€12k€10k▼
Profit (loss) for the period9904€51k€39k▼
Profit (loss) for the period to be appropriated9905€51k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€258k€297k▲
Profit (loss) brought forward from the previous period14P€206k€258k▲
The notes to these accounts (4 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €20k ▼49.2%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €207k ▲23.9%
5 profitable years in a row build equity to €207k.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €219k ▲20.1%
2 profitable years in a row build equity to €219k.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Tongeren-Borgloon · 1 establishment unit since 2015
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.
Hasselbosstraat 43700 Tongeren-BorgloonGround area
753 m²
Building footprint
132 m²
Parcel 73069B0083/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
STB Consult
since 20152.243.859.626
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73069B0083/00F000 | Flanders | 753 m² | 1 · 132 m² | - |
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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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 37,802 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.