SteCAnDo
ActiveSteCAnDo has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €5k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 26% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-28
Solvency45▼-55
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 21.06 in 2024; short-term debt: 79.1% and cash: 7.1% of total assets), and 79.7% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
20.3%
Return on assets
2.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
60 d late
2022
39 d early
2021
4 d late
2020
12 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▼ 78.2%
2024 · €185k
2020: €83k
2021: €128k
2022: €130k
2023: €133k
2024: €185k
2020 → 2025
Total assets
€199k▲ 3.1%
2024 · €193k
2020: €151k
2021: €169k
2022: €209k
2023: €200k
2024: €193k
2020 → 2025
Net result
€5k▼ 90.3%
2024 · €52k
2020: €73k
2021: €47k
2022: €52k
2023: €72k
2024: €52k
2020 → 2025
Working capital
€16k▼ 89.3%
2024 · €152k
2020: €83k
2021: €127k
2022: €121k
2023: €101k
2024: €152k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€130k▲ 1.8%€133k▲ 1.8%€185k▲ 39.5%€40k▼ 78.2%
Operating result€49k-€67k▲ 36.3%€94k▲ 40.3%€70k▼ 25.3%€2k▼ 97.1%
Net result€47k-€52k▲ 12.2%€72k▲ 38.3%€52k▼ 27.6%€5k▼ 90.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 97% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €199k
Fixed assets
€25k▼ 23.6%
Current assets
€174k▲ 8.7%
Equity and liabilities €199k
Equity
€40k▼ 78.2%
Debt
€159k▲ 1,989%
The debt ratio rises from 3.9% to 79.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€11k▼
2024 · €79k
Cash flow
€14k▼
2024 · €61k
Solvency
20.3%▼
2024 · 96.1%
Current ratio
1.10▼
2024 · 21.06
Quick ratio
1.10▼
2024 · 21.06
Debt / equity
3.93▲
2024 · 0.04
ROE
12.6%▼
2024 · 28.3%
ROA
2.6%▼
2024 · 27.2%
Interest coverage
16.82▼
2024 · 235.89
Debt
€159k▲
2024 · €8k
Debt ≤ 1 year
€157k▲
2024 · €8k
Income taxes
€4k▼
2024 · €20k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€193k€199k▲
Fixed assets21/28€33k€25k▼
Tangible fixed assets22/27€33k€25k▼
Furniture and vehicles24€8k€6k▼
Other tangible fixed assets26€25k€19k▼
Current assets29/58€160k€174k▲
Amounts receivable within one year40/41€119k€152k▲
Trade receivables40-€7k
Other amounts receivable41€119k€145k▲
Cash at bank and in hand54/58€40k€14k▼
Deferred charges and accrued income490/1€1k€8k▲
Equity and liabilities
Total equity and liabilities10/49€193k€199k▲
Equity10/15€185k€40k▼
Contributions10/11€10k€10k=
Reserves13€175k€30k▼
Distributable reserves133€175k€30k▼
Amounts payable17/49€8k€159k▲
Amounts payable within one year42/48€8k€157k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Other amounts payable47/48-€150k
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€80k€13k▼
Operating profit (loss)9901€70k€2k▼
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€333€680▲
Recurring financial charges65€333€680▲
Profit (loss) for the period before taxes9903€72k€9k▼
Income taxes67/77€20k€4k▼
Profit (loss) for the period9904€52k€5k▼
Profit (loss) for the period to be appropriated9905€52k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€5k▼
Transfer from equity791/2-€145k
Transfer to equity691/2€52k-
To other reserves6921€52k-
Profit to be distributed694/7-€150k
Return on contributions (dividend)694-€150k
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼90.3%
Net result drops to €5k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Liquidity times 8current ratio 21.06
Current ratio from 2.50 to 21.06; short-term debt falls from €67k to €8k.
31-12
Financial
Equity above €150kEq €185k ▲39.5%
5 profitable years in a row build equity to €185k.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Equity above €100kEq €128k ▲54.2%
2 profitable years in a row build equity to €128k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Hamme (Vl.) · 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.
Pompelhoekstraat 409220 Hamme (Vl.)Ground area
2,452 m²
Building footprint
152 m²
Volume, LiDAR
852 m³
Parcel 42014B0238/00A000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pompelhoekstraat 40, 9220 Hamme (Vl.)
since 20192.295.646.639
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42014B0238/00A000 | Flanders | 2,451 m² | 1 · 152 m² | 7.9 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.
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Ternat · Eq €40k
MOVA PHARMA
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 6,718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2019
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
85510Sports and recreation education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.