STEDES
ActiveSTEDES has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €107k and a net result of €5k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 65% of 8967 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▼-27
Solvency95▲+14
Growth52=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 2.87 against 2.09 in 2023; short-term debt: 30.3% and cash: 16.1% of total assets), and 30.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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
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 11-02-2026, 195 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
195 d late
2023
61 d late
2022
31 d late
2021
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€107k▲ 4.8%
2023 · €102k
2021: €61k
2022: €70k
2023: €102k
2021 → 2024
Total assets
€153k▼ 15.4%
2023 · €181k
2021: €144k
2022: €195k
2023: €181k
2021 → 2024
Net result
€5k▼ 90.7%
2023 · €53k
2021: €57k
2022: €28k
2023: €53k
2021 → 2024
Working capital
€87k▲ 13.6%
2023 · €77k
2021: €30k
2022: €41k
2023: €77k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€61k-€70k▲ 15.6%€102k▲ 45.4%€107k▲ 4.8%
Operating result€87k-€37k▼ 57.4%€69k▲ 86.3%€9k▼ 87.7%
Net result€57k-€28k▼ 50.8%€53k▲ 86.3%€5k▼ 90.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 88% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €153k
Fixed assets
€20k▼ 41.8%
Current assets
€133k▼ 9.3%
Equity and liabilities €153k
Equity
€107k▲ 4.8%
Debt
€46k▼ 41.5%
The debt ratio falls from 43.7% to 30.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▼
2023 · €85k
Cash flow
€19k▼
2023 · €68k
Solvency
69.7%▲
2023 · 56.3%
Current ratio
2.87▲
2023 · 2.09
Quick ratio
2.87▲
2023 · 2.09
Debt / equity
0.43▼
2023 · 0.78
ROE
4.6%▼
2023 · 51.6%
ROA
3.2%▼
2023 · 29.0%
Interest coverage
286.20▲
2023 · 108.67
Debt
€46k▼
2023 · €79k
Debt ≤ 1 year
€46k▼
2023 · €70k
Income taxes
€4k▼
2023 · €16k
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€181k€153k▼
Fixed assets21/28€34k€20k▼
Tangible fixed assets22/27€34k€20k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€10k€8k▼
Leasing and similar rights25€18k€7k▼
Current assets29/58€147k€133k▼
Amounts receivable after more than one year29€16k€6k▼
Other amounts receivable291€16k€6k▼
Amounts receivable within one year40/41€92k€102k▲
Trade receivables40€31k€6k▼
Other amounts receivable41€61k€96k▲
Cash at bank and in hand54/58€39k€25k▼
Deferred charges and accrued income490/1€547€169▼
Equity and liabilities
Total equity and liabilities10/49€181k€153k▼
Equity10/15€102k€107k▲
Contributions10/11€4k€4k=
Reserves13€98k€98k=
Distributable reserves133€98k€98k=
Profit (loss) carried forward14-€5k
Amounts payable17/49€79k€46k▼
Amounts payable after more than one year17€9k-
Financial debts170/4€9k-
Amounts payable within one year42/48€70k€46k▼
Current portion of amounts payable after more than one year42€7k€15k▲
Trade debts44€324€706▲
Suppliers440/4€324€706▲
Taxes, remuneration and social security45€43k€29k▼
Taxes450/3€43k€29k▼
Other amounts payable47/48€20k€972▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€87k€25k▼
Operating profit (loss)9901€69k€9k▼
Financial charges65/66B€780€80▼
Recurring financial charges65€780€80▼
Profit (loss) for the period before taxes9903€69k€8k▼
Income taxes67/77€16k€4k▼
Profit (loss) for the period9904€53k€5k▼
Profit (loss) for the period to be appropriated9905€53k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€5k▼
Transfer to equity691/2€32k-
To other reserves6921€32k-
Profit to be distributed694/7€21k-
Return on contributions (dividend)694€800-
Directors or managers695€20k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 195 days late
2024
31-12
Financial
Weakest financial yearnet €5k ▼90.7%
Net result drops to €5k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Equity above €100kEq €102k ▲45.4%
3 profitable years in a row build equity to €102k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oostkamp · 1 establishment unit since 2020
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.
Kapellestraat 1388020 OostkampGround area
2.7 ha
Building footprint
3,207 m²
Volume, LiDAR
40,404 m³
Parcel 31022I0695/00C000, Flanders · tallest building 25.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
STEDES BV
since 20202.307.455.497
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0695/00C000 | Flanders | 2.7 ha | 1 · 3,207 m² | 25.7 m · 5 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 to 2023 · 2 entries · 905 EUR awarded · 905 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 659 EUR | 704 EUR |
| 2022 | 1 | 246 EUR | 201 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 5,582 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2020
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
2 entriesE-mail:steve@desender.eu
Phone:0474976313