Stedolek
ActiveSummary
The computed 12-month bankruptcy probability of Stedolek is 2.1% (moderate). The 2025 annual accounts show equity of €88k and a net result of €12k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-2
Solvency92▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.72 against 1.65 in 2024; short-term debt: 13% and cash: 22.9% of total assets), and 33.3% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 30-10-2025, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
on the day
2021
5 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€88k▲ 16.0%
2024 · €76k
2021: €37k
2022: €46k
2023: €62k
2024: €76k
2021 → 2025
Total assets
€132k▲ 0.6%
2024 · €131k
2021: €139k
2022: €125k
2023: €137k
2024: €131k
2021 → 2025
Net result
€12k▼ 12.4%
2024 · €14k
2021: €35k
2022: €9k
2023: €16k
2024: €14k
2021 → 2025
Working capital
€47k▲ 29.4%
2024 · €36k
2021: €-6k
2022: €-7k
2023: €14k
2024: €36k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€46k▲ 25.7%€62k▲ 33.8%€76k▲ 22.3%€88k▲ 16.0%
Operating result€43k-€11k▼ 73.3%€22k▲ 89.7%€21k▼ 5.2%€17k▼ 15.8%
Net result€35k-€9k▼ 72.8%€16k▲ 65.0%€14k▼ 11.6%€12k▼ 12.4%
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 two years in a row; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132k
Fixed assets
€68k ▲ 71.4%
Current assets
€64k ▼ 30.1%
Equity and liabilities €132k
Equity
€88k ▲ 16.0%
Debt
€44k ▼ 20.6%
Debt's share of the balance-sheet total falls from 42.2% to 33.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▲
2024 · €24k
Cash flow
€26k▲
2024 · €17k
Current ratio
3.72▲
2024 · 1.65
Quick ratio
3.45▲
2024 · 1.58
Debt to equity
0.50▼
2024 · 0.73
ROE
13.8%▼
2024 · 18.2%
ROA
9.2%▼
2024 · 10.5%
Interest coverage
18.63▲
2024 · 11.43
Debt ≤ 1 year
€17k▼
2024 · €55k
Debt > 1 year
€27k
Income taxes
€4k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€131k€132k▲
Fixed assets21/28€40k€68k▲
Tangible fixed assets22/27€40k€68k▲
Plant, machinery and equipment23€40k€34k▼
Furniture and vehicles24€35€34k▲
Financial fixed assets28€5€5=
Current assets29/58€92k€64k▼
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€31k€29k▼
Trade receivables40€31k€19k▼
Other amounts receivable41-€10k
Cash at bank and in hand54/58€55k€30k▼
Deferred charges and accrued income490/1€1k€60▼
Equity and liabilities
Total equity and liabilities10/49€131k€132k▲
Equity10/15€76k€88k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€74k€86k▲
Amounts payable17/49€55k€44k▼
Amounts payable after more than one year17-€27k
Financial debts170/4-€27k
Amounts payable within one year42/48€55k€17k▼
Current portion of amounts payable after more than one year42€6k€8k▲
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€35k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€15k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€14k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€26k€32k▲
Operating profit (loss)9901€21k€17k▼
Financial income75/76B€153€137▼
Recurring financial income75€153€137▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€19k€16k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€14k€12k▼
Profit (loss) for the period to be appropriated9905€14k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€86k▲
Profit (loss) brought forward from the previous period14P€60k€74k▲
The notes to these accounts (10 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
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 3.72
Current ratio from 1.65 to 3.72; short-term debt falls from €55k to €17k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €9k ▼72.8%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Hamme (Vl.) · 1 establishment unit since 2019
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.
Abtsbroeksken 11E9220 Hamme (Vl.)Ground area
1,076 m²
Building footprint
264 m²
Volume, LiDAR
647 m³
2 parcels, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Abtsbroeksken 11 E, 9220 Hamme (Vl.)
since 20192.293.758.010
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42014C0622/00M000 | Flanders | 544 m² | 1 · 111 m² | 8.2 m · 2 fl. |
| 42014C0627/00K002 | Flanders | 532 m² | 1 · 153 m² | - |
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
2022 · 1 entry · 345 EUR awarded · 345 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 345 EUR | 345 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 8,813 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2019
Fiscal year end31-03
Activities, NACEBEL 2025
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.