STEDI PROJECTS
ActiveSTEDI PROJECTS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €31k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 35% of 4596 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-3
Solvency34▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.39 against 1.22 in 2024; short-term debt: 19.4% and cash: 0.9% of total assets), and 91% 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+raises risk○neutral
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
9%
Return on assets
1.5%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 26-07-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
82 d late
2023
30 d late
2022
18 d early
2021
33 d early
2020
24 d late
2019
61 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▲ 20.9%
2024 · €147k
2018: €89k
2019: €88k
2020: €91k
2021: €152k
2022: €95k
2023: €147k
2024: €147k
2018 → 2025
Total assets
€1.99M▼ 1.0%
2024 · €2.01M
2018: €2.05M
2019: €2.01M
2020: €1.94M
2021: €1.82M
2022: €1.68M
2023: €2.16M
2024: €2.01M
2018 → 2025
Net result
€31k▼ 52.6%
2024 · €65k
2018: €7k
2019: €-933
2020: €4k
2021: €60k
2022: €13k
2023: €52k
2024: €65k
2018 → 2025
Working capital
€-235k
2024 · €67k
2018: €-130k
2019: €-50k
2020: €3k
2021: €92k
2022: €98k
2023: €116k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€152k-€95k▼ 37.3%€147k▲ 54.6%€147k▲ 0.3%€178k▲ 20.9%
Operating result€98k-€51k▼ 48.5%€123k▲ 143%€183k▲ 48.5%€115k▼ 37.0%
Net result€60k-€13k▼ 79.3%€52k▲ 315%€65k▲ 24.9%€31k▼ 52.6%
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 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.99M
Fixed assets
€1.84M▲ 12.6%
Current assets
€150k▼ 59.9%
Equity and liabilities €1.99M
Equity
€178k▲ 20.9%
Debt
€1.81M▼ 2.7%
The debt ratio falls from 92.7% to 91.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€250k▼
2024 · €354k
Cash flow
€166k▼
2024 · €236k
Solvency
9.0%▲
2024 · 7.3%
Current ratio
0.39▼
2024 · 1.22
Quick ratio
0.39▼
2024 · 1.22
Debt / equity
10.17▼
2024 · 12.63
ROE
17.3%▼
2024 · 44.0%
ROA
1.5%▼
2024 · 3.2%
Interest coverage
3.37▼
2024 · 3.45
Debt
€1.81M▼
2024 · €1.86M
Debt ≤ 1 year
€385k▲
2024 · €309k
Debt > 1 year
€1.42M▼
2024 · €1.55M
Income taxes
€13k▼
2024 · €20k
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€2.01M€1.99M▼
Fixed assets21/28€1.63M€1.84M▲
Tangible fixed assets22/27€1.63M€1.50M▼
Land and buildings22€1.52M€1.42M▼
Plant, machinery and equipment23€6k€4k▼
Leasing and similar rights25€110k€83k▼
Financial fixed assets28-€335k
Current assets29/58€376k€150k▼
Amounts receivable within one year40/41€358k€130k▼
Trade receivables40€57k€25k▼
Other amounts receivable41€301k€105k▼
Cash at bank and in hand54/58€9k€18k▲
Deferred charges and accrued income490/1€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.01M€1.99M▼
Equity10/15€147k€178k▲
Contributions10/11€75k€75k=
Reserves13€72k€72k=
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€65k€65k=
Profit (loss) carried forward14-€31k
Amounts payable17/49€1.86M€1.81M▼
Amounts payable after more than one year17€1.55M€1.42M▼
Financial debts170/4€1.55M€1.42M▼
Amounts payable within one year42/48€309k€385k▲
Current portion of amounts payable after more than one year42€163k€134k▼
Financial debts43€8k€7k▼
Credit institutions430/8€8k€7k▼
Trade debts44€35k€18k▼
Suppliers440/4€35k€18k▼
Taxes, remuneration and social security45€47k€21k▼
Taxes450/3€47k€21k▼
Other amounts payable47/48€56k€206k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A€10k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€171k€135k▼
Other operating charges640/8€16k€13k▼
Non-recurring operating charges66A€5k€0▼
Gross operating margin9900€374k€264k▼
Operating profit (loss)9901€183k€115k▼
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€103k€74k▼
Recurring financial charges65€103k€74k▼
Profit (loss) for the period before taxes9903€85k€44k▼
Income taxes67/77€20k€13k▼
Profit (loss) for the period9904€65k€31k▼
Profit (loss) for the period to be appropriated9905€65k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€31k▼
Transfer from equity791/2€64k€0▼
Transfer to equity691/2€65k€0▼
To the legal reserve6920€65k€0▼
Profit to be distributed694/7€64k€0▼
Return on contributions (dividend)694€64k€0▼
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
Next filing, fiscal year 2026, expected by
2026
28-08
State Gazette act
General meeting · Statutes amendment
Capital · Reserve release · Melissa Vyvey
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €178k ▲20.9%
6 profitable years in a row build equity to €178k.
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 82 days late
2024
31-12
Financial
Highest result since 2018net €65k ▲24.9%
Operating result €183k, net result €65k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €147k ▲54.6%
4 profitable years in a row build equity to €147k.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €152k ▲66%
2 profitable years in a row build equity to €152k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €-933 ▼113%
Net result drops to €-933, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Pepingen · 2 establishment units since 2014
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.
Hoesnaek(P) 261670 PepingenGround area
1,325 m²
Building footprint
658 m²
Volume, LiDAR
3,774 m³
2 parcels, Flanders · tallest building 15.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Hoesnaek(P) 26, 1670 Pepingen
since 20142.235.705.686
City Wash
since 20142.235.705.785
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23064B0348/00R002 | Flanders | 935 m² | 1 · 268 m² | 10.4 m · 2 fl. |
| 23027F0041/00F016 | Flanders | 390 m² | 1 · 390 m² | 15.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 1,001 companies in sector 96102 we hold annual accounts for 460. 316 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-09-2014
Fiscal year end31-12
Activities, NACEBEL
96102Launderettes and laundries for private customers
43120Site preparation
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.