STB Service
ActiveSTB Service has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €70k and a net result of €4k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▼-27
Solvency94▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 2.63 in 2023; short-term debt: 28.1% and cash: 12.5% of total assets), and 31.2% 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 · 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
68.8%
Return on assets
3.8%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
30 d early
2022
28 d early
2021
27 d early
2020
25 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€70k▼ 29.5%
2023 · €99k
2018: €46k
2019: €68k
2020: €63k
2021: €71k
2022: €78k
2023: €99k
2018 → 2024
Total assets
€101k▼ 12.6%
2023 · €116k
2018: €123k
2019: €141k
2020: €86k
2021: €88k
2022: €85k
2023: €116k
2018 → 2024
Net result
€4k▼ 86.7%
2023 · €29k
2018: €19k
2019: €21k
2020: €-5k
2021: €9k
2022: €8k
2023: €29k
2018 → 2024
Working capital
€2k▼ 92.5%
2023 · €21k
2018: €-6k
2019: €5k
2020: €20k
2021: €11k
2022: €20k
2023: €21k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€63k-€71k▲ 13.7%€78k▲ 8.9%€99k▲ 27.2%€70k▼ 29.5%
Operating result€-6k-€13k€14k▲ 6.6%€40k▲ 187%€10k▼ 74.5%
Net result€-5k-€9k€8k▼ 7.3%€29k▲ 263%€4k▼ 86.7%
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 2024; 2024 is 74% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €101k
Fixed assets
€71k▼ 12.9%
Current assets
€30k▼ 12.0%
Equity and liabilities €101k
Equity
€70k▼ 29.5%
Provisions
€3k▼ 22.7%
Debt
€28k▲ 118%
The debt ratio rises from 11.3% to 28.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€24k▼
2023 · €50k
Cash flow
€17k▼
2023 · €39k
Solvency
68.8%▼
2023 · 85.2%
Current ratio
1.06▼
2023 · 2.63
Quick ratio
1.06▼
2023 · 2.63
Debt / equity
0.41▲
2023 · 0.13
ROE
5.5%▼
2023 · 29.2%
ROA
3.8%▼
2023 · 24.9%
Interest coverage
6.62▼
2023 · 30.66
Debt
€28k▲
2023 · €13k
Debt ≤ 1 year
€28k▲
2023 · €13k
Income taxes
€4k▼
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€116k€101k▼
Fixed assets21/28€82k€71k▼
Tangible fixed assets22/27€82k€71k▼
Land and buildings22€37k€36k▼
Plant, machinery and equipment23€9k€9k▼
Furniture and vehicles24€32k€24k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€90€90=
Current assets29/58€34k€30k▼
Amounts receivable within one year40/41€11k€14k▲
Trade receivables40€5k€4k▼
Other amounts receivable41€7k€10k▲
Cash at bank and in hand54/58€19k€13k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€116k€101k▼
Equity10/15€99k€70k▼
Contributions10/11€100€100=
Reserves13€75k€69k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€16k€13k▼
Distributable reserves133€59k€57k▼
Profit (loss) carried forward14€23k€0▼
Provisions and deferred taxes16€4k€3k▼
Deferred taxes168€4k€3k▼
Amounts payable17/49€13k€28k▲
Amounts payable within one year42/48€13k€28k▲
Current portion of amounts payable after more than one year42€2k€2k=
Trade debts44€4k€651▼
Suppliers440/4€4k€651▼
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€6k€25k▲
Accrued charges and deferred income492/3€91€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€13k▲
Other operating charges640/8€916€6k▲
Gross operating margin9900€51k€29k▼
Operating profit (loss)9901€40k€10k▼
Financial income75/76B€384€0▼
Recurring financial income75€384€0▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€39k€7k▼
Transfer from deferred taxes780€312€927▲
Transfer to deferred taxes680€4k€0▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€29k€4k▼
Transfer from tax-exempt reserves789€1k€4k▲
Transfer to tax-exempt reserves689€18k€0▼
Profit (loss) for the period to be appropriated9905€12k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€31k▼
Profit (loss) brought forward from the previous period14P€23k€23k=
Transfer from equity791/2-€31k
Transfer to equity691/2€11k€29k▲
To other reserves6921€11k€29k▲
Profit to be distributed694/7€2k€33k▲
Return on contributions (dividend)694€2k€10k▲
Directors or managers695-€23k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €29k ▲263%
Net result €29k, the highest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.87
Current ratio from 1.67 to 3.87; short-term debt falls from €17k to €7k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-5k ▼123%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.38
Current ratio from 1.08 to 2.38; short-term debt falls from €59k to €14k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 62 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Dendermonde · 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.
Smeyskensstraat (BAA) 519200 DendermondeGround area
1,143 m²
Building footprint
124 m²
Volume, LiDAR
783 m³
Parcel 42002B1010/00L000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STB Service
since 20162.260.633.302
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42002B1010/00L000 | Flanders | 1,143 m² | 1 · 124 m² | 9.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,968 EUR awarded · 1,951 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 332 EUR | 315 EUR |
| 2024 | 1 | 520 EUR | 520 EUR |
| 2023 | 1 | 586 EUR | 586 EUR |
| 2022 | 1 | 530 EUR | 530 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,221 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2016
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
25110Manufacture of metal structures and parts of structures
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:tomguns@hotmail.com
Phone:0494/205947