Summary
Stedag 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 €85k and a net result of €75k. Its solvency ranks better than 11% of 5527 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€85k
Net result
€75k
Total assets
€1.07M
Solvency
8.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €1.07M
Fixed assets
€653k
Current assets
€418k
Equity and liabilities €1.07M
Equity
€85k
Debt
€986k
Debt finances 92.0% of the balance-sheet total.
Key figures and ratios
ROE
88.3%
ROA
7.0%
Debt ≤ 1 year
€412k
Debt > 1 year
€556k
Income taxes
€19k
Filed annual accounts As filed with the NBB · 2025 · 43 lines
Balance sheet
Code2025
Assets
Total assets20/58€1.07M
Fixed assets21/28€653k
Tangible fixed assets22/27€3k
Furniture and vehicles24€3k
Financial fixed assets28€650k
Current assets29/58€418k
Amounts receivable after more than one year29€333k
Other amounts receivable291€333k
Amounts receivable within one year40/41€71k
Trade receivables40€71k
Cash at bank and in hand54/58€8k
Deferred charges and accrued income490/1€7k
Equity and liabilities
Total equity and liabilities10/49€1.07M
Equity10/15€85k
Contributions10/11€10k
Reserves13€75k
Distributable reserves133€75k
Amounts payable17/49€986k
Amounts payable after more than one year17€556k
Financial debts170/4€556k
Amounts payable within one year42/48€412k
Current portion of amounts payable after more than one year42€43k
Trade debts44€14k
Suppliers440/4€14k
Taxes, remuneration and social security45€29k
Taxes450/3€29k
Other amounts payable47/48€326k
Accrued charges and deferred income492/3€18k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€309
Other operating charges640/8€444
Gross operating margin9900€123k
Operating profit (loss)9901€123k
Financial income75/76B€16k
Recurring financial income75€16k
Financial charges65/66B€45k
Recurring financial charges65€45k
Profit (loss) for the period before taxes9903€94k
Income taxes67/77€19k
Profit (loss) for the period9904€75k
Profit (loss) for the period to be appropriated9905€75k
Appropriation of the result
Profit (loss) to be appropriated9906€75k
Transfer to equity691/2€75k
To other reserves6921€75k
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
NBB filing
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, Genk · 1 establishment unit since 2024
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.
Richter 83600 GenkGround area
474 m²
Building footprint
170 m²
Volume, LiDAR
1,224 m³
Parcel 71016I1530/00W000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stedag
since 20242.361.835.677
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71016I1530/00W000 | Flanders | 474 m² | 1 · 170 m² | 10.2 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.
Similar companies · same sector, comparable size
MIMICO
BE 0707.857.005
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G&G GOCEN GROUP
BE 1006.393.311
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GILSON - LIBERT & PARTNERS
BE 0448.979.346
Gent · Eq €85,287
LUANS
BE 0456.864.159
Dilsen-Stokkem · Eq €85,192
LC Consulting
BE 0719.423.858
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,945 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
Founded22-07-2024
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.