Summary
STCONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €19,542 and a net result of €8,228. Equity is growing by ~63.6% per year across the filed fiscal years. Its solvency ranks better than 23% of 3318 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two 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 23% of 3318 sector peers (2024).
NBB · sector comparisonPosition among 3318 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 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 · 3 filingsDeviation from the deadline
2025
59 d late
2024
27 d early
2023
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 20 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 August (3 of the last 3 filed years within 57 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€19,542▲ 72.7%
2024 · €11,314
Net result
€8,228▲ 33.4%
2024 · €6,167
Total assets
€61,526▼ 1.8%
2024 · €62,675
Solvency
31.8%▲ 13.7pp
2024 · 18.1%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€6,644-€10,743▲ 61.7%€12,710▲ 18.3%
Net result€2,647within the sector's middle half-€6,167within the sector's middle half▲ 133%€8,228▲ 33.4%
Equity€5,147below the sector's middle half-€11,314below the sector's middle half▲ 120%€19,542▲ 72.7%
Total assets€54,189below the sector's middle half-€62,675below the sector's middle half▲ 15.7%€61,526▼ 1.8%
Debt€49,042-€51,361▲ 4.7%€41,984▼ 18.3%
Working capital-€11,751below the sector's middle half--€5,491below the sector's middle half▲ 53.3%-€2,205▲ 59.8%
Solvency9.5%below the sector's middle half-18.1%below the sector's middle half▲ 8.6pp31.8%▲ 13.7pp
Current ratio0.44below the sector's middle half-0.77below the sector's middle half▲ 0.330.92▲ 0.15
Return on assets (ROA)4.9%within the sector's middle half-9.8%within the sector's middle half▲ 5.0pp13.4%▲ 3.5pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60,886
Fixed assets
€36,601 ▼ 16.2%
Current assets
€24,285 ▲ 34.4%
Equity and liabilities €61,526
Equity
€19,542 ▲ 72.7%
Debt
€41,984 ▼ 18.3%
Debt's share of the balance-sheet total falls from 81.9% to 68.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
42.1%▼
2024 · 54.5%
Debt ≤ 1 year
€26,490▲
2024 · €23,556
Debt > 1 year
€15,494▼
2024 · €27,805
Income taxes
€3,177▲
2024 · €2,217
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,201 | €12,340 | €12,369 | ▲ 0.2% |
| Other operating charges640/8 | €5,523 | €1,890 | €8,105 | ▲ 329% |
| Non-recurring operating charges66A | - | €63 | €610 | ▲ 867% |
| Gross operating margin9900 | €15,368 | €25,035 | €33,794 | ▲ 35.0% |
| Operating profit (loss)9901 | €6,644 | €10,743 | €12,710 | ▲ 18.3% |
| Financial income75/76B | €956 | €623 | €1,005 | ▲ 61.2% |
| Recurring financial income75 | €956 | €623 | €1,005 | ▲ 61.2% |
| Financial charges65/66B | €1,671 | €2,983 | €2,310 | ▼ 22.6% |
| Recurring financial charges65 | €1,671 | €2,983 | €2,310 | ▼ 22.6% |
| Profit (loss) for the period before taxes9903 | €5,929 | €8,383 | €11,405 | ▲ 36.0% |
| Income taxes67/77 | €3,282 | €2,217 | €3,177 | ▲ 43.3% |
| Profit (loss) for the period9904 | €2,647 | €6,167 | €8,228 | ▲ 33.4% |
| Profit (loss) for the period to be appropriated9905 | €2,647 | €6,167 | €8,228 | ▲ 33.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €54,189 | €62,675 | €61,526 | ▼ 1.8% |
| Formation expenses20 | €1,235 | €938 | €640 | ▼ 31.7% |
| Fixed assets21/28 | €43,857 | €43,672 | €36,601 | ▼ 16.2% |
| Tangible fixed assets22/27 | €43,857 | €43,672 | €31,601 | ▼ 27.6% |
| Furniture and vehicles24 | €2,309 | €3,544 | €2,209 | ▼ 37.7% |
| Leasing and similar rights25 | €41,548 | €40,128 | €29,392 | ▼ 26.8% |
| Financial fixed assets28 | - | - | €5,000 | - |
| Current assets29/58 | €9,097 | €18,065 | €24,285 | ▲ 34.4% |
| Amounts receivable within one year40/41 | €7,227 | €17,674 | €23,951 | ▲ 35.5% |
| Trade receivables40 | €2,658 | €1,445 | €3,000 | ▲ 108% |
| Other amounts receivable41 | €4,569 | €16,229 | €20,951 | ▲ 29.1% |
| Deferred charges and accrued income490/1 | €1,870 | €391 | €334 | ▼ 14.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €54,189 | €62,675 | €61,526 | ▼ 1.8% |
| Equity10/15 | €5,147 | €11,314 | €19,542 | ▲ 72.7% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | = |
| Reserves13 | - | €8,814 | €17,042 | ▲ 93.4% |
| Distributable reserves133 | - | €8,814 | €17,042 | ▲ 93.4% |
| Profit (loss) carried forward14 | €2,647 | - | - | - |
| Amounts payable17/49 | €49,042 | €51,361 | €41,984 | ▼ 18.3% |
| Amounts payable after more than one year17 | €28,194 | €27,805 | €15,494 | ▼ 44.3% |
| Financial debts170/4 | €28,194 | €27,805 | €15,494 | ▼ 44.3% |
| Amounts payable within one year42/48 | €20,848 | €23,556 | €26,490 | ▲ 12.5% |
| Current portion of amounts payable after more than one year42 | €7,606 | €11,841 | €15,644 | ▲ 32.1% |
| Financial debts43 | €4,810 | €4,053 | €5,129 | ▲ 26.5% |
| Credit institutions430/8 | €4,810 | €4,053 | €5,129 | ▲ 26.5% |
| Trade debts44 | €4,861 | €881 | €323 | ▼ 63.4% |
| Suppliers440/4 | €4,861 | €881 | €323 | ▼ 63.4% |
| Taxes, remuneration and social security45 | €3,571 | €6,781 | €5,394 | ▼ 20.5% |
| Taxes450/3 | €3,571 | €6,781 | €5,394 | ▼ 20.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,647 | €6,167 | €8,228 | ▲ 33.4% |
| + Depreciation and write-downs630 | €3,201 | €12,340 | €12,369 | ▲ 0.2% |
| Operating cash flow (approximation) | €5,848 | €18,506 | €20,597 | ▲ 11.3% |
| Investment in fixed assets (approximation) | - | -€12,155 | -€5,298 | ▲ 56.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 59 days late
2025
31-12
Financial
Highest result since 2023net €8,228 ▲33.4%
Operating result €12,710, net result €8,228, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Estaimpuis · 1 establishment unit since 2022
Ground area
483 m²
Building footprint
88 m²
Volume, LiDAR
541 m³
Parcel 57027A0630/00L000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STCONSULTING
since 20222.331.041.147
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57027A0630/00L000 | Wallonia | 483 m² | 1 · 87 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 4,674 companies in sector 66220 we hold annual accounts for 3,222. 1,095 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-05-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Not found in the Peppol register
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Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.