SteCum
ActiveSteCum has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-21k) and a net result of €-22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 20786 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
38
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-56
Solvency0▼-26
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.57 against 0.73 in 2023; short-term debt: 138.3% and cash: 73% of total assets), and equity is negative.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2024Solvency, return and age of the figures
Solvency
-38.3%
Return on assets
-39.6%
Age of the figures
21 mo
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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-21k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
153 d late
2022
10 d late
2021
25 d late
2020
18 d late
2019
13 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-21k
2023 · €717
2018: €27k
2019: €46k
2020: €19k
2021: €-5k
2022: €7k
2023: €717
2018 → 2024
Total assets
€56k▼ 10.1%
2023 · €62k
2018: €61k
2019: €61k
2020: €65k
2021: €49k
2022: €56k
2023: €62k
2018 → 2024
Net result
€-22k▼ 258%
2023 · €-6k
2018: €3k
2019: €20k
2020: €-27k
2021: €-24k
2022: €14k
2023: €-6k
2018 → 2024
Working capital
€-33k▼ 102%
2023 · €-16k
2018: €14k
2019: €34k
2020: €5k
2021: €-18k
2022: €-18k
2023: €-16k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€19k-€-5k€7k€717▼ 89.6%€-21k
Operating result€-26k-€-23k▲ 13.7%€15k€-8k€-19k▼ 125%
Net result€-27k-€-24k▲ 10.5%€14k€-6k€-22k▼ 258%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2024 against €8k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €56k
Fixed assets
€12k▼ 31.7%
Current assets
€44k▼ 1.9%
Key figures and ratios
EBITDA
€-9k▼
2023 · €3k
Cash flow
€-12k▼
2023 · €5k
Solvency
-38.3%▼
2023 · 1.2%
Current ratio
0.57▼
2023 · 0.73
Quick ratio
0.57▼
2023 · 0.73
Debt / equity
-3.61
ROA
-39.6%▼
2023 · -9.9%
Interest coverage
-14.36▼
2023 · 6.12
Debt
€77k▲
2023 · €61k
Debt ≤ 1 year
€77k▲
2023 · €61k
Income taxes
€3k▲
2023 · €-3k
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€62k€56k▼
Fixed assets21/28€17k€12k▼
Tangible fixed assets22/27€17k€12k▼
Land and buildings22€40-
Plant, machinery and equipment23€7k€3k▼
Furniture and vehicles24€10k€8k▼
Current assets29/58€45k€44k▼
Amounts receivable within one year40/41€8k€3k▼
Trade receivables40€5k-
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€37k€41k▲
Deferred charges and accrued income490/1€189-
Equity and liabilities
Total equity and liabilities10/49€62k€56k▼
Equity10/15€717€-21k▼
Contributions10/11€7k€7k=
Reserves13€20k€20k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€19k€20k▲
Profit (loss) carried forward14€-26k€-48k▼
Amounts payable17/49€61k€77k▲
Amounts payable within one year42/48€61k€77k▲
Financial debts43-€68
Credit institutions430/8-€68
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€56k€72k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€654€1k▲
Gross operating margin9900€3k€-8k▼
Operating profit (loss)9901€-8k€-19k▼
Financial charges65/66B€461€641▲
Recurring financial charges65€461€641▲
Profit (loss) for the period before taxes9903€-9k€-19k▼
Income taxes67/77€-3k€3k▲
Profit (loss) for the period9904€-6k€-22k▼
Profit (loss) for the period to be appropriated9905€-6k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-48k▼
Profit (loss) brought forward from the previous period14P€-20k€-26k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Weakest financial yearnet €-27k ▼234%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
31-12
Financial
Highest result since 2018net €20k ▲677%
Operating result €29k, net result €20k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.26
Current ratio from 1.41 to 3.26; short-term debt falls from €34k to €15k.
18-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 18 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
2016
19-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 19 days late
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, Landen · 1 establishment unit since 2011
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.
Neerwindenstraat 333400 LandenGround area
185 m²
Building footprint
185 m²
Volume, LiDAR
1,509 m³
Parcel 24079A0355/00E002, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SteCum
since 20112.202.914.738
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24079A0355/00E002 | Flanders | 185 m² | 1 · 185 m² | 13.1 m · 3 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.
Similar companies · same sector, comparable size
Videolytics
BE 0640.683.317
Wavre · Eq €719
EFFILOG
BE 0737.504.856
Fontaine-l'Evêque · Eq €711
simia studio
BE 0780.493.771
Namur · Eq €704
MARSAC ADVISORS
BE 0466.089.651
Elsene · Eq €733
Osons-Nous
BE 0507.741.055
Chaumont-Gistoux · Eq €696
Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 788 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2011
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
74300Other professional, scientific and technical activities
74301Translation services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0472/222.102