STC5

Active

Private limited companyfounded 20214 yrs activeZemstsesteenweg 1, 1981 Zemst, BelgiumKBO/BCE: BE 0777.662.856

The computed 12-month bankruptcy probability of STC5 is 2.5% (moderate). The 2024 annual accounts show negative equity (€-13k) and a net result of €-18k. Equity is shrinking by ~102.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 6162 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

27 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability4▼-73

Solvency12▼-17

Growth32▼-46

Track record94

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.39 against 0.65 in 2023; short-term debt: 67.5% and cash: 8.8% of total assets), and equity is negative.

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.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

-13.5%

Return on assets

-18.7%

Age of the figures

21 mo

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

222324

2022 to 2024 · latest year €-13k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

31 d early

2023

37 d early

2022

41 d early

← 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, micro schema

Equity

€-13k

2023 · €5k

2022: €-3k 2023: €5k

2022 → 2024

Total assets

€98k▼ 18.1%

2023 · €120k

2022: €118k 2023: €120k

2022 → 2024

Net result

€-18k

2023 · €8k

2022: €-8k 2023: €8k

2022 → 2024

Working capital

€-40k▼ 88.9%

2023 · €-21k

2022: €-28k 2023: €-21k

2022 → 2024

Multi-year overview

Available amounts per fiscal year

Line202220232024Trend

Equity€-3k-€5k€-13k

Operating result€-7k-€9k€-5k

Net result€-8k-€8k€-18k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €5k after €9k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €97k

73.4%

26.6%

Fixed assets €71k▼ 8.6%

Current assets €26k▼ 36.1%

Key figures and ratios

2024 value · change against 2023

EBITDA

€6k▼

2023 · €20k

Cash flow

€-7k▼

2023 · €19k

Solvency

-13.5%▼

2023 · 4.2%

Current ratio

0.39▼

2023 · 0.65

Quick ratio

0.20▼

2023 · 0.42

Debt / equity

-8.41▼

2023 · 22.64

ROA

-18.7%▼

2023 · 6.6%

Interest coverage

0.43▼

2023 · 14.47

Debt

€111k▼

2023 · €114k

Debt ≤ 1 year

€66k▲

2023 · €62k

Debt > 1 year

€45k▼

2023 · €53k

Staff costs

€146k▲

2023 · €117k

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€120k€98k▼

Formation expenses20€1k€778▼

Fixed assets21/28€78k€71k▼

Tangible fixed assets22/27€78k€71k▼

Plant, machinery and equipment23-€3k

Furniture and vehicles24€7k€6k▼

Other tangible fixed assets26€71k€62k▼

Current assets29/58€40k€26k▼

Stocks and contracts in progress3€14k€13k▼

Stocks30/36€14k€13k▼

Amounts receivable within one year40/41€3k€2k▼

Trade receivables40€3k€2k▼

Other amounts receivable41€244€238▼

Cash at bank and in hand54/58€22k€9k▼

Deferred charges and accrued income490/1€870€2k▲

Equity and liabilities

Total equity and liabilities10/49€120k€98k▼

Equity10/15€5k€-13k▼

Contributions10/11€5k€5k=

Profit (loss) carried forward14€57€-18k▼

Amounts payable17/49€114k€111k▼

Amounts payable after more than one year17€53k€45k▼

Financial debts170/4€53k€45k▼

Amounts payable within one year42/48€62k€66k▲

Current portion of amounts payable after more than one year42€14k€16k▲

Trade debts44€23k€17k▼

Suppliers440/4€23k€17k▼

Taxes, remuneration and social security45€25k€30k▲

Taxes450/3€10k€10k▼

Remuneration and social security454/9€15k€21k▲

Other amounts payable47/48€42€3k▲

Income statement Code20232024

Remuneration, social security and pensions62€117k€146k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲

Other operating charges640/8€2k€3k▲

Gross operating margin9900€139k€155k▲

Operating profit (loss)9901€9k€-5k▼

Financial income75/76B€0€28▲

Recurring financial income75€0€28▲

Financial charges65/66B€1k€13k▲

Recurring financial charges65€1k€13k▲

Profit (loss) for the period before taxes9903€8k€-18k▼

Profit (loss) for the period9904€8k€-18k▼

Profit (loss) for the period to be appropriated9905€8k€-18k▼

Appropriation of the result

Profit (loss) to be appropriated9906€57€-18k▼

Profit (loss) brought forward from the previous period14P€-8k€57▲

The notes to these accounts (8 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 5Financial 2Filings 3

2025

30-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €-18k ▼330%

Net result drops to €-18k, the lowest in the series.

24-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €8k

Net result €8k after one loss-making year.

20-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

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, Zemst · 1 establishment unit since 2021

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.

Zemstsesteenweg 11981 Zemst

Ground area

772 m²

Building footprint

192 m²

Volume, LiDAR

1,088 m³

2 parcels, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Sanké Hairdressers

Alice Nahonstraat 5, 2580 PutteRetail trade

since 20212.332.163.278

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12029B0408/00R000	Flanders	419 m²	1 · 152 m²	10.3 m · 2 fl.
23034A0390/00W000	Flanders	353 m²	1 · 39 m²	6.5 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

2025 · 1 entry · 1,000 EUR awarded · 1,000 EUR paid

Year	Entries	awarded	paid
2025	1	1,000 EUR	1,000 EUR

Schemes

Premie kwalificerend werkplekleren

1 entry · 1,000 EUR · 1,000 EUR paid · Departement Werk, Economie, Wetenschap, Innovatie en Sociale Economie

Recognitions · licences · registrations

Dual-learning approval

3 live approvals

Haarverzorging duaal (so)

Goedgekeurd · 2024 to 2029

Kapper (vwo)

Goedgekeurd · 2024 to 2029

Kapper-stylist duaal (so)

Goedgekeurd · 2024 to 2029

Similar companies · same sector, comparable size

Of 21,750 companies in sector 96210 we hold annual accounts for 2,832. 1,983 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded24-11-2021

Fiscal year end31-12

Activities, NACEBEL

96021Hairdressing

96210Hairdressing and barber services

46450Wholesale of perfume and cosmetics

47750Retail sale of cosmetics and toilet articles

96022Beauty treatment

96220Beauty care and other beauty treatments

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.