STEAR
ActiveSummary
STEAR has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €954k and a net result of €-12k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 95% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-3
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
cash: 14.1% of total assets, and 0.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-12-2025, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
29 d early
2023
27 d early
2022
32 d early
2021
24 d early
2020
32 d early
2019
25 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€954k▼ 1.2%
2024 · €966k
2019: €970k
2020: €965k
2021: €969k
2022: €968k
2023: €968k
2024: €966k
2019 → 2025
Total assets
€956k▼ 1.2%
2024 · €968k
2019: €979k
2020: €989k
2021: €972k
2022: €971k
2023: €969k
2024: €968k
2019 → 2025
Net result
€-12k▼ 317%
2024 · €-3k
2019: €-8k
2020: €-6k
2021: €5k
2022: €-1k
2023: €144
2024: €-3k
2019 → 2025
Working capital
€789k▼ 0.3%
2022 · €791k
2020: €793k
2021: €792k
2022: €791k
2020 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€969k-€968k▼ 0.1%€968k=€966k▼ 0.3%€954k▼ 1.2%
Operating result€5k-€-4k€248€-3k€-12k▼ 301%
Net result€5k-€-1k€144€-3k€-12k▼ 317%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €956k
Fixed assets
€180k =
Current assets
€776k ▼ 1.5%
Equity and liabilities €956k
Equity
€954k ▼ 1.2%
Debt
€2k =
Debt's share of the balance-sheet total stays at 0.2%.
Key figures and ratios
Debt to equity
0.00▲
2024 · 0.00
ROE
-1.2%▼
2024 · -0.3%
ROA
-1.2%▼
2024 · -0.3%
Debt > 1 year
€2k=
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€968k€956k▼
Fixed assets21/28€180k€180k=
Financial fixed assets28€180k€180k=
Current assets29/58€788k€776k▼
Amounts receivable after more than one year29€641k€641k=
Other amounts receivable291€641k€641k=
Amounts receivable within one year40/41€25k€335▼
Trade receivables40€3k-
Other amounts receivable41€22k€335▼
Cash at bank and in hand54/58€122k€135k▲
Equity and liabilities
Total equity and liabilities10/49€968k€956k▼
Equity10/15€966k€954k▼
Contributions10/11€100k€100k=
Reserves13€760k€760k=
Distributable reserves133€760k€760k=
Profit (loss) carried forward14€106k€94k▼
Amounts payable17/49€2k€2k=
Amounts payable after more than one year17€2k€2k=
Other amounts payable178/9€2k€2k=
Income statement
Code20242025
Other operating charges640/8€2k€11k▲
Gross operating margin9900€-1k€-1k▲
Operating profit (loss)9901€-3k€-12k▼
Financial income75/76B€239€662▲
Recurring financial income75€239€662▲
Financial charges65/66B€106€588▲
Recurring financial charges65€106€588▲
Profit (loss) for the period before taxes9903€-3k€-12k▼
Profit (loss) for the period9904€-3k€-12k▼
Profit (loss) for the period to be appropriated9905€-3k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€106k€94k▼
Profit (loss) brought forward from the previous period14P€108k€106k▼
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series.
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €144
Net result €144 after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 2361.97
Current ratio from 1180.62 to 2361.97; short-term debt falls from €670 to €334.
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
07-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
30-06
Financial
Liquidity times 1629current ratio 78894.00
Current ratio from 48.42 to 78894.00; short-term debt falls from €17k to €10.
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
18-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Koksijde · 1 establishment unit since 1996
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.
Jan Pootlaan(Kok) 108670 KoksijdeGround area
1,870 m²
Building footprint
554 m²
Volume, LiDAR
3,852 m³
2 parcels, Flanders · tallest building 14.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Biedenkopflaan(Odk) 11, 8670 Koksijde
since 19962.077.370.905
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502G0121/00B000 | Flanders | 1,124 m² | 1 · 370 m² | 14.3 m · 3 fl. |
| 38343A0205/00C000 | Flanders | 746 m² | 1 · 184 m² | 7.1 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.
Similar companies · same sector, comparable size
SUD PORTAS
BE 0450.884.308
Messancy · Eq €953,701
Immobiliën Crevits
BE 0471.420.889
Gent · Eq €953,470
CROWN BUILDING
BE 0427.485.433
Elsene · Eq €952,996
GECRIMO
BE 0449.621.526
Moorslede · Eq €955,136
LAFAUT VASTGOED & ADVIES
BE 0839.861.236
Tielt · Eq €955,303
Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 3,807 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-1996
Fiscal year end30-06
Activities, NACEBEL 2025
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.