STEDICO
ActiveSTEDICO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €408k and a net result of €138k. Equity is growing by ~44.4% per year across the filed fiscal years. Its solvency ranks better than 79% of 3171 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth68▼-1
Track record100
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 ample (current ratio 6.14 against 8.1 in 2024; short-term debt: 15.1% and cash: 90.5% of total assets), and 15.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
84.9%
Return on assets
28.7%
Age of the figures
15 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 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
39 d early
2023
47 d early
2022
46 d early
2021
53 d early
2020
41 d early
2019
32 d early
← before the deadline
after the deadline →
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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€478k▲ 1.9%
2024 · €469k
2019: €355k
2020: €306k
2021: €451k
2022: €428k
2023: €453k
2024: €469k
2019 → 2025
EBIT margin
41.8%▼ 3.3pp
2024 · 45.1%
2019: 12.7%
2020: -10.6%
2021: 20.6%
2022: 3.1%
2023: 25.6%
2024: 45.1%
2019 → 2025
Net result
€138k▼ 5.0%
2024 · €145k
2019: €29k
2020: €-34k
2021: €70k
2022: €5k
2023: €77k
2024: €145k
2019 → 2025
Working capital
€374k▲ 18.2%
2024 · €316k
2019: €72k
2020: €30k
2021: €90k
2022: €94k
2023: €169k
2024: €316k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€451k-€428k▼ 5.0%€453k▲ 5.8%€469k▲ 3.5%€478k▲ 1.9%
Equity€113k-€118k▲ 4.2%€195k▲ 65.5%€340k▲ 74.6%€408k▲ 20.1%
Operating result€93k-€13k▼ 85.5%€116k▲ 762%€212k▲ 82.3%€200k▼ 5.6%
Net result€70k-€5k▼ 93.1%€77k▲ 1,511%€145k▲ 88.6%€138k▼ 5.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €481k
Fixed assets
€35k▲ 46.0%
Current assets
€446k▲ 23.8%
Equity and liabilities €481k
Equity
€408k▲ 20.1%
Debt
€73k▲ 63.4%
The debt ratio rises from 11.6% to 15.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€207k▼
2024 · €217k
Cash flow
€145k▼
2024 · €151k
Solvency
84.9%▼
2024 · 88.4%
Current ratio
6.14▼
2024 · 8.10
Quick ratio
6.14▼
2024 · 8.10
Debt / equity
0.18▲
2024 · 0.13
ROE
33.8%▼
2024 · 42.7%
ROA
28.7%▼
2024 · 37.8%
Interest coverage
1066.32▲
2024 · 695.79
Debt
€73k▲
2024 · €45k
Debt ≤ 1 year
€73k▲
2024 · €45k
Income taxes
€62k▼
2024 · €66k
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€384k€481k▲
Formation expenses20€0€0=
Fixed assets21/28€24k€35k▲
Tangible fixed assets22/27€24k€35k▲
Furniture and vehicles24€24k€35k▲
Other tangible fixed assets26€0-
Current assets29/58€361k€446k▲
Amounts receivable within one year40/41€86k€8k▼
Trade receivables40€0€0=
Other amounts receivable41€86k€8k▼
Cash at bank and in hand54/58€274k€435k▲
Deferred charges and accrued income490/1€531€4k▲
Equity and liabilities
Total equity and liabilities10/49€384k€481k▲
Equity10/15€340k€408k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€334k€402k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€332k€400k▲
Amounts payable17/49€45k€73k▲
Amounts payable within one year42/48€45k€73k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€42k€50k▲
Taxes450/3€42k€50k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€0€20k▲
Accrued charges and deferred income492/3-€53
Income statement
Code20242025
Turnover70€469k€478k▲
Goods, raw materials, services and sundry goods60/61€336k€274k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€1k€499▼
Non-recurring operating charges66A-€170
Gross operating margin9900€218k€208k▼
Operating profit (loss)9901€212k€200k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€312€194▼
Recurring financial charges65€312€194▼
Profit (loss) for the period before taxes9903€211k€200k▼
Income taxes67/77€66k€62k▼
Profit (loss) for the period9904€145k€138k▼
Profit (loss) for the period to be appropriated9905€145k€138k▼
Appropriation of the result
Profit (loss) to be appropriated9906€145k€138k▼
Transfer from equity791/2-€70k
Transfer to equity691/2€145k€138k▼
To other reserves6921€145k€138k▼
Profit to be distributed694/7-€70k
Return on contributions (dividend)694-€70k
The notes to these accounts (5 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
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Highest result since 2019net €145k ▲88.6%
Operating result €212k, net result €145k, both a record.
30-06
Financial
Equity above €200kEq €340k ▲74.6%
4 profitable years in a row build equity to €340k.
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
30-06
Financial
Equity above €150kEq €195k ▲65.5%
3 profitable years in a row build equity to €195k.
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
09-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 5.30
Current ratio from 1.76 to 5.30; short-term debt falls from €40k to €21k.
30-06
Financial
Equity above €100kEq €113k ▲158%
Equity rises from €44k to €113k.
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
30-06
Financial
Weakest financial yearnet €-34k ▼217%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
2019
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
26-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
19-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
27-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Sint-Agatha-Berchem · 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.
Koning Albertlaan 781082 Sint-Agatha-BerchemGround area
190 m²
Building footprint
94 m²
Volume, LiDAR
789 m³
Parcel 21003A0167/00Y002, Brussels · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Koning Albertlaan 78, 1082 Sint-Agatha-Berchem
since 20132.219.399.986
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0167/00Y002 | Brussels | 190 m² | 1 · 94 m² | 11.6 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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 36,232 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-2013
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.