Summary
STEDEMO 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 €342,831 and a net result of €74,174. Equity is growing by ~49.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 5587 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 06-01-2026, 25 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
25 d early
2024
94 d early
2023
28 d early
2022
28 d early
2021
41 d early
2020
46 d early
2019
45 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 44 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€342,831▲ 26.8%
2024 · €270,375
Net result
€74,174▲ 53.5%
2024 · €48,338
Total assets
€495,461▲ 60.9%
2024 · €307,916
Solvency
69.2%▼ 18.6pp
2024 · 87.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€27,870▼ 29.9%€23,075▼ 17.2%€168,752▲ 631%€82,168▼ 51.3%€64,135▼ 21.9%
Net result€28,647within the sector's middle half▼ 5.9%€15,226within the sector's middle half▼ 46.8%€123,563within the sector's middle half▲ 712%€48,338within the sector's middle half▼ 60.9%€74,174within the sector's middle half▲ 53.5%
Equity€81,914within the sector's middle half▲ 49.3%€101,740within the sector's middle half▲ 24.2%€223,703within the sector's middle half▲ 120%€270,375within the sector's middle half▲ 20.9%€342,831within the sector's middle half▲ 26.8%
Total assets€99,841below the sector's middle half▲ 26.0%€147,388within the sector's middle half▲ 47.6%€266,994below the sector's middle half▲ 81.2%€307,916below the sector's middle half▲ 15.3%€495,461below the sector's middle half▲ 60.9%
Debt€17,927▼ 26.4%€45,648▲ 155%€43,291▼ 5.2%€37,542▼ 13.3%€152,630▲ 307%
Working capital€63,370within the sector's middle half▲ 52.6%€65,627within the sector's middle half▲ 3.6%€94,560within the sector's middle half▲ 44.1%€168,972within the sector's middle half▲ 78.7%€246,720within the sector's middle half▲ 46.0%
Solvency82.0%above the sector's middle half▲ 12.8pp69.0%within the sector's middle half▼ 13.0pp83.8%above the sector's middle half▲ 14.8pp87.8%above the sector's middle half▲ 4.0pp69.2%within the sector's middle half▼ 18.6pp
Current ratio4.57above the sector's middle half▲ 1.833.52within the sector's middle half▼ 1.053.62above the sector's middle half▲ 0.105.50above the sector's middle half▲ 1.889.16above the sector's middle half▲ 3.65
Return on assets (ROA)28.7%above the sector's middle half▼ 9.7pp10.3%within the sector's middle half▼ 18.4pp46.3%above the sector's middle half▲ 35.9pp15.7%above the sector's middle half▼ 30.6pp15.0%above the sector's middle half▼ 0.7pp
Staff (FTE)0within the sector's middle half0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2023 Net result +712% on 2022. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €495,461
Fixed assets
€218,489 ▲ 115%
Current assets
€276,972 ▲ 34.1%
Equity and liabilities €495,461
Equity
€342,831 ▲ 26.8%
Debt
€152,630 ▲ 307%
Debt's share of the balance-sheet total rises from 12.2% to 30.8%. Equity and debt are higher.
Key figures and ratios
ROE
21.6%▲
2024 · 17.9%
Debt ≤ 1 year
€30,252▼
2024 · €37,542
Debt > 1 year
€121,040▲
2024 · €0
Income taxes
€20,777▲
2024 · €18,905
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,059 | €5,794 | €14,865 | €19,477 | €36,920 | ▲ 89.6% |
| Other operating charges640/8 | - | €717 | €699 | €1,874 | €829 | ▼ 55.8% |
| Non-recurring operating charges66A | - | €3,199 | €0 | €6,525 | €9,107 | ▲ 39.6% |
| Gross operating margin9900 | €33,705 | €32,784 | €184,315 | €110,044 | €110,991 | ▲ 0.9% |
| Operating profit (loss)9901 | €27,870 | €23,075 | €168,752 | €82,168 | €64,135 | ▼ 21.9% |
| Financial income75/76B | - | €7,218 | €1,790 | €5,542 | €24,699 | ▲ 346% |
| Recurring financial income75 | - | €7,218 | €1,790 | €5,542 | €24,699 | ▲ 346% |
| Financial charges65/66B | - | €8,744 | €6,823 | €20,468 | -€6,116 | ▼ 130% |
| Recurring financial charges65 | €2,339 | €8,744 | €6,823 | €20,468 | -€6,116 | ▼ 130% |
| Profit (loss) for the period before taxes9903 | €38,218 | €21,548 | €163,718 | €67,242 | €94,951 | ▲ 41.2% |
| Income taxes67/77 | €9,570 | €6,322 | €40,156 | €18,905 | €20,777 | ▲ 9.9% |
| Profit (loss) for the period9904 | €28,647 | €15,226 | €123,563 | €48,338 | €74,174 | ▲ 53.5% |
| Profit (loss) for the period to be appropriated9905 | €28,647 | €15,226 | €123,563 | €48,338 | €74,174 | ▲ 53.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €99,841 | €147,388 | €266,994 | €307,916 | €495,461 | ▲ 60.9% |
| Fixed assets21/28 | €18,714 | €55,724 | €136,390 | €101,402 | €218,489 | ▲ 115% |
| Tangible fixed assets22/27 | €8,714 | €45,724 | €116,390 | €71,402 | €197,596 | ▲ 177% |
| Land and buildings22 | - | - | - | - | €146,052 | - |
| Plant, machinery and equipment23 | - | €2,123 | €3,584 | €4,657 | €3,334 | ▼ 28.4% |
| Furniture and vehicles24 | - | €43,601 | €112,806 | €66,746 | €48,210 | ▼ 27.8% |
| Financial fixed assets28 | €10,000 | €10,000 | €20,000 | €30,000 | €20,893 | ▼ 30.4% |
| Current assets29/58 | €81,127 | €91,665 | €130,605 | €206,514 | €276,972 | ▲ 34.1% |
| Amounts receivable within one year40/41 | €11,837 | €14,259 | €79,693 | €37,021 | €69,117 | ▲ 86.7% |
| Trade receivables40 | - | €13,048 | €75,413 | €36,971 | €68,970 | ▲ 86.5% |
| Other amounts receivable41 | - | €1,211 | €4,279 | €50 | €147 | ▲ 193% |
| Current investments50/53 | €22,690 | €48,432 | €41,884 | €97,073 | €129,452 | ▲ 33.4% |
| Cash at bank and in hand54/58 | €44,906 | €27,341 | €6,991 | €69,123 | €74,854 | ▲ 8.3% |
| Deferred charges and accrued income490/1 | - | €1,633 | €2,037 | €3,297 | €3,550 | ▲ 7.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €99,841 | €147,388 | €266,994 | €307,916 | €495,461 | ▲ 60.9% |
| Equity10/15 | €81,914 | €101,740 | €223,703 | €270,375 | €342,831 | ▲ 26.8% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €69,514 | €83,140 | €204,140 | €251,140 | €324,226 | ▲ 29.1% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €81,280 | €202,280 | €251,140 | €324,226 | ▲ 29.1% |
| Profit (loss) carried forward14 | - | - | €963 | €634 | €5 | ▼ 99.3% |
| Amounts payable17/49 | €17,927 | €45,648 | €43,291 | €37,542 | €152,630 | ▲ 307% |
| Amounts payable after more than one year17 | - | €19,611 | €7,247 | €0 | €121,040 | - |
| Financial debts170/4 | - | €19,611 | €7,247 | €0 | €121,040 | - |
| Amounts payable within one year42/48 | €17,757 | €26,037 | €36,045 | €37,542 | €30,252 | ▼ 19.4% |
| Current portion of amounts payable after more than one year42 | - | €12,290 | €12,364 | €7,247 | €12,409 | ▲ 71.2% |
| Trade debts44 | €1,683 | €5,615 | €2,903 | €15,001 | €1,723 | ▼ 88.5% |
| Suppliers440/4 | - | €5,615 | €2,903 | €15,001 | €1,723 | ▼ 88.5% |
| Taxes, remuneration and social security45 | - | €6,440 | €17,669 | €9,938 | €8,929 | ▼ 10.2% |
| Taxes450/3 | - | €4,240 | €15,469 | €7,738 | €6,729 | ▼ 13.0% |
| Remuneration and social security454/9 | - | €2,200 | €2,200 | €2,200 | €2,200 | = |
| Other amounts payable47/48 | - | €1,692 | €3,109 | €5,356 | €7,191 | ▲ 34.3% |
| Accrued charges and deferred income492/3 | - | - | - | - | €1,338 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,647 | €15,226 | €123,563 | €48,338 | €74,174 | ▲ 53.5% |
| + Depreciation and write-downs630 | €5,059 | €5,794 | €14,865 | €19,477 | €36,920 | ▲ 89.6% |
| Operating cash flow (approximation) | €33,706 | €21,020 | €138,428 | €67,815 | €111,094 | ▲ 63.8% |
| Investment in fixed assets (approximation) | - | -€42,804 | -€95,531 | €15,510 | -€154,007 | ▼ 1,093% |
| Change in cash | - | -€17,564 | -€20,350 | €62,132 | €5,731 | ▼ 90.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2019net €123,563 ▲712%
Operating result €168,752, net result €123,563, both a record.
30-06
Financial
Equity above €200,000Eq €223,703 ▲120%
5 profitable years in a row build equity to €223,703.
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100,000Eq €101,740 ▲24.2%
4 profitable years in a row build equity to €101,740.
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 2.73
Current ratio from 1.27 to 2.73; short-term debt falls from €25,073 to €23,930.
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 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, Menen · 1 establishment unit since 2018
Ground area
727 m²
Building footprint
124 m²
Parcel 34372A0532/00E000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Stedemo
since 20182.275.148.163
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34372A0532/00E000 | Flanders | 727 m² | 1 · 124 m² | 0.1 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the annual accounts to 30-06-2025 of STEDEMO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
894500MZ4Y91H3KDXQ11
Similar companies · same sector, comparable size
D.K.W. Investments
BE 1008.786.934
Wevelgem · Eq €342,835
JK INVEST
BE 0732.649.611
Etalle · Eq €342,767
INVISIO
BE 0841.753.330
Beringen · Eq €342,625
LIBERG
BE 0478.148.137
Oostende · Eq €343,137
KBoone Management
BE 1001.335.453
Lokeren · Eq €343,166
Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,774 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-03-2018
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
E-invoicing
Reachable via Peppol
Peppol ID
0208:0692881094
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.