STC SOARES

Active

Private limited company (pre-2019)founded 201115 yrs activeEgide Van Ophemstraat 4, 1180 Ukkel, BelgiumKBO/BCE: BE 0836.479.597

The computed 12-month bankruptcy probability of STC SOARES is 1.6% (moderate). The 2024 annual accounts show equity of €83k and a net result of €34k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 1291 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

59 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability99▲+17

Solvency84▲+9

Growth78=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4.5k at 30 days only on tighter terms

Liquidity ample (current ratio 2.21 against 1.97 in 2023; short-term debt: 40.8% and cash: 53% of total assets), and 40.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-11-2025, 122 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

122 d late

2023

175 d late

2022

122 d late

2021

242 d late

2020

79 d late

2019

153 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€34k▲ 226%

2023 · €10k

2018: €540 2019: €-1k 2020: €5k 2021: €3k 2022: €6k 2023: €10k

2018 → 2024

Working capital

€69k▲ 47.4%

2023 · €47k

2018: €23k 2019: €22k 2020: €16k 2021: €22k 2022: €37k 2023: €47k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€29k-€33k▲ 11.6%€39k▲ 18.5%€49k▲ 27.1%€83k▲ 69.5%

Operating result€7k-€4k▼ 46.7%€8k▲ 96.9%€14k▲ 76.1%€50k▲ 262%

Net result€5k-€3k▼ 33.7%€6k▲ 77.9%€10k▲ 73.5%€34k▲ 226%

Result per fiscal year

Operating resultNet result

After the dip in 2021 the operating result has climbed three years in a row; 2024 is 262% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €140k

10%

90.2%

Fixed assets €14k▲ 604%

Current assets €127k▲ 32.8%

Equity and liabilities €140k

59.2%

40.8%

Equity €83k▲ 69.5%

Debt €57k▲ 18.5%

The debt ratio falls from 49.6% to 40.8%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€55k▲

2023 · €15k

Cash flow

€39k▲

2023 · €11k

Solvency

59.2%▲

2023 · 50.4%

Current ratio

2.21▲

2023 · 1.97

Quick ratio

2.21▲

2023 · 1.97

Debt / equity

0.69▼

2023 · 0.99

ROE

41.0%▲

2023 · 21.3%

ROA

24.3%▲

2023 · 10.7%

Interest coverage

82.10▲

2023 · 65.54

Debt

€57k▲

2023 · €48k

Debt ≤ 1 year

€57k▲

2023 · €48k

Income taxes

€15k▲

2023 · €3k

Staff costs

€10k▼

2023 · €38k

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€97k€140k▲

Fixed assets21/28€2k€14k▲

Tangible fixed assets22/27€1k€13k▲

Furniture and vehicles24€1k€13k▲

Financial fixed assets28€780€780=

Current assets29/58€95k€127k▲

Amounts receivable within one year40/41€52k€52k▲

Trade receivables40€49k€49k▼

Other amounts receivable41€3k€4k▲

Cash at bank and in hand54/58€43k€74k▲

Equity and liabilities

Total equity and liabilities10/49€97k€140k▲

Equity10/15€49k€83k▲

Contributions10/11€6k€6k=

Capital10€6k€6k=

Issued capital100€19k€19k=

Uncalled capital101€12k€12k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Legal reserve130€2k€2k=

Profit (loss) carried forward14€41k€75k▲

Amounts payable17/49€48k€57k▲

Amounts payable within one year42/48€48k€57k▲

Trade debts44€15k€15k=

Suppliers440/4€15k€15k=

Taxes, remuneration and social security45€12k€24k▲

Taxes450/3€9k€22k▲

Remuneration and social security454/9€3k€3k▼

Other amounts payable47/48€21k€18k▼

Income statement Code20232024

Remuneration, social security and pensions62€38k€10k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€919€5k▲

Other operating charges640/8€13k€2k▼

Gross operating margin9900€66k€67k▲

Operating profit (loss)9901€14k€50k▲

Financial income75/76B€0€11▲

Recurring financial income75€0€11▲

Financial charges65/66B€225€668▲

Recurring financial charges65€225€668▲

Profit (loss) for the period before taxes9903€14k€49k▲

Income taxes67/77€3k€15k▲

Profit (loss) for the period9904€10k€34k▲

Profit (loss) for the period to be appropriated9905€10k€34k▲

Appropriation of the result

Profit (loss) to be appropriated9906€41k€75k▲

Profit (loss) brought forward from the previous period14P€30k€41k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

30-11

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 122 days late

22-01

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 175 days late

2024

31-12

Financial Highest result since 2018net €34k ▲226%

Operating result €50k, net result €34k, both a record.

2023

30-11

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 122 days late

30-03

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 242 days late

2021

18-10

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 79 days late

2020

31-12

Financial Back to profitnet €5k

Net result €5k after one loss-making year.

31-12

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 153 days late

2019

31-12

Financial Weakest financial yearnet €-1k ▼294%

Net result drops to €-1k, the lowest in the series; recovery starts the following year.

08-11

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 100 days late

2018

30-09

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 61 days late

2017

23-11

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 115 days late

2016

30-09

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 61 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, Ukkel · 1 establishment unit since 2011

establishment The establishment unit on the map

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.

Egide Van Ophemstraat 41180 Ukkel

Ground area

254 m²

Building footprint

253 m²

Volume, LiDAR

1,934 m³

Parcel 21616G0170/00P002, Brussels · tallest building 16.7 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Egide Van Ophemstraat 4, 1180 Ukkel

Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials

since 20112.207.006.554

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21616G0170/00P002	Brussels	254 m²	1 · 253 m²	16.7 m · 1 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.

Similar companies · same sector, comparable size

MRW Bouw

BE 0785.726.229

Tessenderlo-Ham · Eq €83k

Boortmeerbeek · Eq €83k

Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,176 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded24-05-2011

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43240Other construction installation

43299Specialised construction activities

43350Other building finishing work

Sources

Crossroads Bank for EnterprisesNational Bank · 14 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.