STBL HOLDING
ActiveSTBL HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (€-308k) and a net result of €-48k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 9864 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9864 sector peers (2024).
NBB · sector comparisonPosition among 9864 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
50 d late
2022
187 d late
2021
122 d late
2020
122 d late
2019
116 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-308k▼ 18.3%
2023 · €-261k
2018: €483k
2019: €475k
2020: €457k
2021: €179k
2022: €-236k
2023: €-261k
2018 → 2024
Net result
€-48k▼ 94.8%
2023 · €-24k
2018: €-4k
2019: €-8k
2020: €-18k
2021: €-278k
2022: €-415k
2023: €-24k
2018 → 2024
Total assets
€2.29M▲ 26.0%
2023 · €1.82M
2018: €1.39M
2019: €1.55M
2020: €1.58M
2021: €1.63M
2022: €1.28M
2023: €1.82M
2018 → 2024
Solvency
-13.5%▲ 0.9pp
2023 · -14.4%
2018: 34.8%
2019: 30.6%
2020: 29.0%
2021: 10.9%
2022: -18.4%
2023: -14.4%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€457k-€179k▼ 60.9%€-236k€-261k▼ 10.4%€-308k▼ 18.3%
Operating result€-18k-€-279k▼ 1,421%€-89k▲ 68.2%€-11k▲ 87.1%€-21k▼ 79.5%
Net result€-18k-€-278k▼ 1,458%€-415k▼ 49.1%€-24k▲ 94.1%€-48k▼ 94.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €21k in 2024 against €11k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.29M
Fixed assets
€750k▲ 272%
Current assets
€1.54M▼ 4.7%
Key figures and ratios
Solvency
-13.5%▲
2023 · -14.4%
ROA
-2.1%▼
2023 · -1.3%
Debt
€2.60M▲
2023 · €2.08M
Debt ≤ 1 year
€2.60M▲
2023 · €2.08M
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€1.82M€2.29M▲
Fixed assets21/28€201k€750k▲
Tangible fixed assets22/27-€548k
Plant, machinery and equipment23-€548k
Financial fixed assets28€201k€201k=
Current assets29/58€1.61M€1.54M▼
Amounts receivable within one year40/41€1.59M€1.52M▼
Trade receivables40€1k-
Other amounts receivable41€1.59M€1.52M▼
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€24k€18k▼
Equity and liabilities
Total equity and liabilities10/49€1.82M€2.29M▲
Equity10/15€-261k€-308k▼
Contributions10/11€515k€515k=
Profit (loss) carried forward14€-776k€-823k▼
Amounts payable17/49€2.08M€2.60M▲
Amounts payable within one year42/48€2.08M€2.60M▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Other amounts payable47/48€2.07M€2.59M▲
Income statement
Code20232024
Gross operating margin9900€-11k€-21k▼
Operating profit (loss)9901€-11k€-21k▼
Financial income75/76B€9k-
Recurring financial income75€9k-
Financial charges65/66B€22k€27k▲
Recurring financial charges65€22k€27k▲
Profit (loss) for the period before taxes9903€-24k€-48k▼
Profit (loss) for the period9904€-24k€-48k▼
Profit (loss) for the period to be appropriated9905€-24k€-48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-776k€-823k▼
Profit (loss) brought forward from the previous period14P€-751k€-776k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 187 days late
2022
31-12
Financial
Weakest financial yearnet €-415k
Net result drops to €-415k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brussel · 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.
de Meeûssquare 401000 BrusselGround area
2,479 m²
Building footprint
1,097 m²
Volume, LiDAR
29,482 m³
Parcel 21805E0461/00L000, Brussels · tallest building 33.3 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
STBL HOLDING
since 20152.248.948.265
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0461/00L000 | Brussels | 2,479 m² | 1 · 1,096 m² | 33.3 m · 9 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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,493 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-09-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
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.
Contact details
1 entryE-mail:didier.lodewyckx@skynet.be