Stedero
ActiveStedero has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €718k and a net result of €3k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 37% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability2▼-1
Solvency60▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.92 in 2024), and 60.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
39.6%
Return on assets
0.2%
Age of the figures
17 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 17-10-2025, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
on the day
2023
1 d early
2022
5 d early
2021
31 d early
2020
1 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€718k▲ 0.4%
2024 · €715k
2019: €586k
2020: €634k
2021: €686k
2022: €704k
2023: €711k
2024: €715k
2019 → 2025
Total assets
€1.81M▼ 0.3%
2024 · €1.82M
2019: €1.06M
2020: €1.05M
2021: €1.03M
2022: €1.72M
2023: €1.81M
2024: €1.82M
2019 → 2025
Net result
€3k▼ 34.6%
2024 · €4k
2019: €128k
2020: €48k
2021: €52k
2022: €18k
2023: €7k
2024: €4k
2019 → 2025
Working capital
€-19k▲ 22.0%
2024 · €-25k
2019: €-344k
2020: €-371k
2021: €-320k
2022: €-110k
2023: €-28k
2024: €-25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€686k-€704k▲ 2.7%€711k▲ 0.9%€715k▲ 0.6%€718k▲ 0.4%
Operating result€80k-€36k▼ 55.0%€35k▼ 1.6%€22k▼ 37.0%€21k▼ 7.6%
Net result€52k-€18k▼ 64.7%€7k▼ 63.7%€4k▼ 35.5%€3k▼ 34.6%
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 four years in a row; 2025 is 8% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.81M
Fixed assets
€1.51M▼ 0.5%
Current assets
€307k▲ 1.1%
Equity and liabilities €1.81M
Equity
€718k▲ 0.4%
Debt
€1.09M▼ 0.7%
The debt ratio falls from 60.6% to 60.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€29k▼
2024 · €29k
Cash flow
€11k▼
2024 · €11k
Solvency
39.6%▲
2024 · 39.4%
Current ratio
0.94▲
2024 · 0.92
Quick ratio
0.94▲
2024 · 0.92
Debt / equity
1.52▼
2024 · 1.54
ROE
0.4%▼
2024 · 0.6%
ROA
0.2%▼
2024 · 0.2%
Interest coverage
1.79▼
2024 · 1.81
Debt
€1.09M▼
2024 · €1.10M
Debt ≤ 1 year
€326k▼
2024 · €328k
Debt > 1 year
€769k▼
2024 · €774k
Income taxes
€2k▼
2024 · €2k
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€1.82M€1.81M▼
Fixed assets21/28€1.51M€1.51M▼
Tangible fixed assets22/27€26k€18k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€21k€14k▼
Financial fixed assets28€1.49M€1.49M=
Current assets29/58€303k€307k▲
Amounts receivable within one year40/41€290k€284k▼
Trade receivables40€15k€11k▼
Other amounts receivable41€274k€273k▼
Cash at bank and in hand54/58€12k€21k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.82M€1.81M▼
Equity10/15€715k€718k▲
Contributions10/11€63k€63k=
Reserves13€652k€655k▲
Distributable reserves133€652k€655k▲
Amounts payable17/49€1.10M€1.09M▼
Amounts payable after more than one year17€774k€769k▼
Financial debts170/4€774k€769k▼
Amounts payable within one year42/48€328k€326k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€416€298▼
Suppliers440/4€416€298▼
Taxes, remuneration and social security45€19k€20k▲
Taxes450/3€19k€20k▲
Other amounts payable47/48€303k€300k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€1k€513▼
Gross operating margin9900€31k€29k▼
Operating profit (loss)9901€22k€21k▼
Financial income75/76B€59-
Recurring financial income75€59-
Financial charges65/66B€16k€16k▼
Recurring financial charges65€16k€16k▼
Profit (loss) for the period before taxes9903€6k€5k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€4k€3k▼
Profit (loss) for the period to be appropriated9905€4k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€3k▼
Transfer to equity691/2€4k€3k▼
To other reserves6921€4k€3k▼
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
Next filing, fiscal year 2026, expected by
2025
17-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €3k ▼34.6%
Net result drops to €3k, the lowest in the series.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Roeselare · 1 establishment unit since 2013
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.
Stationsdreef 518800 RoeselareGround area
549 m²
Building footprint
192 m²
Volume, LiDAR
1,512 m³
Parcel 36015A0346/00Y045, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Stedero
since 20132.222.759.255
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36015A0346/00Y045 | Flanders | 549 m² | 1 · 192 m² | 10.7 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,223 EUR awarded · 1,223 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,223 EUR | 1,223 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 31,223 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-08-2013
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.