STEBIL
ActiveSTEBIL has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9.51M and a net result of €161k. Equity is growing by ~56% per year across the filed fiscal years. Its solvency ranks better than 86% of 9095 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability8▼-92
Solvency100▲+32
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €800k at 30 days acceptable
Liquidity ample (current ratio 5.68 against 1.51 in 2023), and 17.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.8%
Return on assets
1.4%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
22 d early
2024
3 d early
2023
57 d late
2022
58 d late
2021
37 d late
2020
23 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€9.51M▲ 4,191%
2023 · €222k
2020: €120k
2021: €222k
2022: €354k
2023: €222k
2020 → 2025
Total assets
€11.48M▲ 1,798%
2023 · €605k
2020: €303k
2021: €530k
2022: €606k
2023: €605k
2020 → 2025
Net result
€161k▼ 3.3%
2023 · €167k
2020: €150k
2021: €177k
2022: €182k
2023: €167k
2020 → 2025
Working capital
€1.55M▲ 711%
2023 · €191k
2020: €96k
2021: €193k
2022: €338k
2023: €191k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€120k-€222k▲ 84.5%€354k▲ 59.4%€222k▼ 37.4%€9.51M▲ 4,191%
Operating result€196k-€220k▲ 12.1%€223k▲ 1.6%€216k▼ 3.3%€162k▼ 24.8%
Net result€150k-€177k▲ 17.5%€182k▲ 2.9%€167k▼ 8.4%€161k▼ 3.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 25% below 2023 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €11.48M
Fixed assets
€9.61M▲ 25,576%
Current assets
€1.88M▲ 231%
Equity and liabilities €11.48M
Equity
€9.51M▲ 4,191%
Provisions
€248k
Debt
€1.73M▲ 351%
The debt ratio falls from 63.4% to 15.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€677k▲
2023 · €225k
Cash flow
€676k▲
2023 · €176k
Solvency
82.8%▲
2023 · 36.6%
Current ratio
5.68▲
2023 · 1.51
Quick ratio
5.68▲
2023 · 1.51
Debt / equity
0.18▼
2023 · 1.73
ROE
1.7%▼
2023 · 75.2%
ROA
1.4%▼
2023 · 27.5%
Interest coverage
29.58▼
2023 · 414.24
Debt
€1.73M▲
2023 · €383k
Debt ≤ 1 year
€330k▼
2023 · €377k
Debt > 1 year
€1.38M
Income taxes
€81k▲
2023 · €53k
Staff costs
€-323▼
2023 · €454k
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 · 2025 against 2023
Balance sheet
Code20232025
Assets
Total assets20/58€605k€11.48M▲
Fixed assets21/28€37k€9.61M▲
Intangible fixed assets21€2k-
Tangible fixed assets22/27€36k€9.61M▲
Land and buildings22-€6.76M
Plant, machinery and equipment23-€191k
Furniture and vehicles24€36k€21k▼
Assets under construction and advance payments27-€2.64M
Current assets29/58€568k€1.88M▲
Amounts receivable within one year40/41€129k€738k▲
Trade receivables40€129k€23k▼
Other amounts receivable41-€715k
Cash at bank and in hand54/58€437k€1.13M▲
Deferred charges and accrued income490/1€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€605k€11.48M▲
Equity10/15€222k€9.51M▲
Contributions10/11€20k€113k▲
Reserves13€202k€9.21M▲
Tax-exempt reserves132-€1.11M
Distributable reserves133€202k€8.10M▲
Investment grants15-€188k
Provisions and deferred taxes16-€248k
Deferred taxes168-€248k
Amounts payable17/49€383k€1.73M▲
Amounts payable after more than one year17-€1.38M
Financial debts170/4-€1.38M
Amounts payable within one year42/48€377k€330k▼
Trade debts44€2k€117k▲
Suppliers440/4€2k€117k▲
Taxes, remuneration and social security45€176k€42k▼
Taxes450/3€93k€42k▼
Remuneration and social security454/9€83k-
Other amounts payable47/48€199k€172k▼
Accrued charges and deferred income492/3€7k€16k▲
Income statement
Code20232025
Remuneration, social security and pensions62€454k€-323▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€515k▲
Other operating charges640/8€4k€15k▲
Gross operating margin9900€683k€691k▲
Operating profit (loss)9901€216k€162k▼
Financial income75/76B€4k€81k▲
Recurring financial income75€4k€81k▲
Financial charges65/66B€544€23k▲
Recurring financial charges65€544€23k▲
Profit (loss) for the period before taxes9903€219k€220k▲
Transfer from deferred taxes780-€22k
Income taxes67/77€53k€81k▲
Profit (loss) for the period9904€167k€161k▼
Transfer from tax-exempt reserves789-€52k
Profit (loss) for the period to be appropriated9905€167k€213k▲
Appropriation of the result
Profit (loss) to be appropriated9906€167k€418k▲
Profit (loss) brought forward from the previous period14P-€205k
Transfer from equity791/2€132k-
Transfer to equity691/2-€418k
To other reserves6921-€418k
Profit to be distributed694/7€299k-
Return on contributions (dividend)694€299k-
Social balance
Average headcount (FTE)90876.0-
The notes to these accounts (10 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
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 5.68
Current ratio from 1.51 to 5.68; short-term debt falls from €377k to €330k.
31-12
Financial
Equity above €5MEq €9.51M ▲4191%
5 profitable years in a row build equity to €9.51M.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 57 days late
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 58 days late
2022
31-12
Financial
Highest result since 2020net €182k ▲2.9%
Operating result €223k, net result €182k, both a record.
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 37 days late
2021
31-12
Financial
Equity above €200kEq €222k ▲84.5%
2 profitable years in a row build equity to €222k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kortemark · 1 establishment unit since 2019
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.
Lichterveldestraat 1298610 KortemarkGround area
684 m²
Building footprint
138 m²
Volume, LiDAR
588 m³
Parcel 32011C1196/00L000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEBIL
since 20192.292.648.646
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32011C1196/00L000 | Flanders | 684 m² | 1 · 138 m² | 6.8 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 224 EUR awarded · 224 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 224 EUR | 224 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,974 companies in sector 68203 we hold annual accounts for 5,947. 1,933 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-08-2019
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.