STEDO
ActiveSTEDO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €727k and a net result of €103k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 95% of 7733 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 20.68 against 8.45 in 2024; short-term debt: 4.6% and cash: 88.5% of total assets), and 4.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
95.4%
Return on assets
13.5%
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
18192022232425
2018 to 2025 · latest year €727k
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
12 d late
2023
114 d late
2022
31 d late
2020
31 d late
2019
on the day
2018
5 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€727k▲ 16.5%
2024 · €624k
2018: €596k
2019: €619k
2020: €746k
2022: €560k
2023: €560k
2024: €624k
2018 → 2025
Total assets
€762k▲ 8.7%
2024 · €701k
2018: €671k
2019: €657k
2020: €758k
2022: €662k
2023: €743k
2024: €701k
2018 → 2025
Net result
€103k▼ 41.9%
2024 · €177k
2018: €90k
2019: €114k
2020: €127k
2022: €71k
2023: €89k
2024: €177k
2018 → 2025
Working capital
€692k▲ 20.5%
2024 · €574k
2018: €585k
2019: €578k
2020: €712k
2022: €547k
2023: €500k
2024: €574k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€746k-€560k▼ 24.9%€560k▼ 0.1%€624k▲ 11.4%€727k▲ 16.5%
Operating result€176k-€97k▼ 45.0%€125k▲ 28.7%€260k▲ 108%€148k▼ 43.0%
Net result€127k-€71k▼ 43.9%€89k▲ 25.6%€177k▲ 99.1%€103k▼ 41.9%
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 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €762k
Fixed assets
€35k▼ 29.4%
Current assets
€727k▲ 11.6%
Equity and liabilities €762k
Equity
€727k▲ 16.5%
Debt
€35k▼ 54.4%
The debt ratio falls from 11.0% to 4.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€162k▼
2024 · €274k
Cash flow
€118k▼
2024 · €192k
Solvency
95.4%▲
2024 · 89.0%
Current ratio
20.68▲
2024 · 8.45
Quick ratio
20.68▲
2024 · 8.45
Debt / equity
0.05▼
2024 · 0.12
ROE
14.2%▼
2024 · 28.4%
ROA
13.5%▼
2024 · 25.3%
Interest coverage
1097.84▼
2024 · 1594.92
Debt
€35k▼
2024 · €77k
Debt ≤ 1 year
€35k▼
2024 · €77k
Income taxes
€45k▼
2024 · €82k
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€701k€762k▲
Fixed assets21/28€49k€35k▼
Tangible fixed assets22/27€49k€35k▼
Plant, machinery and equipment23€687-
Furniture and vehicles24€49k€35k▼
Current assets29/58€652k€727k▲
Amounts receivable within one year40/41€115k€51k▼
Trade receivables40€115k€41k▼
Other amounts receivable41-€10k
Cash at bank and in hand54/58€535k€675k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€701k€762k▲
Equity10/15€624k€727k▲
Contributions10/11€19k€19k=
Reserves13€605k€708k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€603k€706k▲
Amounts payable17/49€77k€35k▼
Amounts payable within one year42/48€77k€35k▼
Trade debts44€675€1k▲
Suppliers440/4€675€1k▲
Taxes, remuneration and social security45€67k€24k▼
Taxes450/3€67k€9k▼
Remuneration and social security454/9-€16k
Other amounts payable47/48€10k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€505€661▲
Gross operating margin9900€275k€163k▼
Operating profit (loss)9901€260k€148k▼
Financial charges65/66B€172€148▼
Recurring financial charges65€172€148▼
Profit (loss) for the period before taxes9903€259k€148k▼
Income taxes67/77€82k€45k▼
Profit (loss) for the period9904€177k€103k▼
Profit (loss) for the period to be appropriated9905€177k€103k▼
Appropriation of the result
Profit (loss) to be appropriated9906€177k€103k▼
Transfer from equity791/2€114k-
Transfer to equity691/2€177k€103k▼
To other reserves6921€177k€103k▼
Profit to be distributed694/7€114k-
Return on contributions (dividend)694€114k-
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
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 20.68
Current ratio from 8.45 to 20.68; short-term debt falls from €77k to €35k.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €177k ▲99.1%
Operating result €260k, net result €177k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 8.45
Current ratio from 3.80 to 8.45; short-term debt falls from €179k to €77k.
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 114 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €71k ▼43.9%
Net result drops to €71k, the lowest in the series; recovery starts the following year.
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 58.64
Current ratio from 17.98 to 58.64; short-term debt falls from €34k to €12k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 17.98
Current ratio from 8.86 to 17.98; short-term debt falls from €74k to €34k.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Schilde · 1 establishment unit since 2010
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.
Wijnegemsteenweg 119A2970 SchildeGround area
1,341 m²
Building footprint
176 m²
Volume, LiDAR
885 m³
Parcel 11041C0100/00M003, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEDO
since 20102.183.737.541
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0100/00M003 | Flanders | 1,341 m² | 1 · 176 m² | 7.6 m · 2 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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EMAC INVEST
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,197 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-12-2009
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
43222Installation of electric heating, air conditioning, cooling and ventilation
47529Retail trade
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.