Summary
Stego Management is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €259k and a net result of €-6k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 5527 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 26-05-2026, 66 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
66 d early
2024
84 d early
2023
22 d late
2022
3 d early
2021
29 d late
2020
31 d late
2019
67 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€259k▼ 2.4%
2024 · €266k
2018: €47k
2019: €45k
2020: €187k
2021: €188k
2022: €188k
2023: €276k
2024: €266k
2018 → 2025
Net result
€-6k▲ 34.5%
2024 · €-10k
2018: €-1k
2019: €-2k
2020: €142k
2021: €1k
2022: €-197
2023: €88k
2024: €-10k
2018 → 2025
Total assets
€454k▲ 1.1%
2024 · €449k
2018: €54k
2019: €54k
2020: €213k
2021: €311k
2022: €412k
2023: €438k
2024: €449k
2018 → 2025
Solvency
57.2%▼ 2.1pp
2024 · 59.3%
2018: 86.1%
2019: 82.3%
2020: 87.7%
2021: 60.4%
2022: 45.6%
2023: 63.0%
2024: 59.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€188k-€188k▼ 0.1%€276k▲ 46.8%€266k▼ 3.6%€259k▼ 2.4%
Operating result€-2k-€-2k▼ 10.4%€-14k▼ 583%€-9k▲ 35.9%€-6k▲ 32.5%
Net result€1k-€-197€88k€-10k€-6k▲ 34.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €9k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €454k
Fixed assets
€56k ▼ 1.4%
Current assets
€398k ▲ 1.5%
Equity and liabilities €454k
Equity
€259k ▼ 2.4%
Debt
€194k ▲ 6.3%
Debt's share of the balance-sheet total rises from 40.7% to 42.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-2.5%▲
2024 · -3.7%
ROA
-1.4%▲
2024 · -2.2%
Debt ≤ 1 year
€123k▲
2024 · €112k
Debt > 1 year
€60k=
2024 · €60k
Income taxes
€60▲
2024 · €58
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€449k€454k▲
Fixed assets21/28€57k€56k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Financial fixed assets28€54k€54k=
Current assets29/58€392k€398k▲
Amounts receivable after more than one year29€366k€366k=
Other amounts receivable291€366k€366k=
Amounts receivable within one year40/41€13k€20k▲
Trade receivables40-€4k
Other amounts receivable41€13k€16k▲
Cash at bank and in hand54/58€2k€32▼
Deferred charges and accrued income490/1€11k€12k▲
Equity and liabilities
Total equity and liabilities10/49€449k€454k▲
Equity10/15€266k€259k▼
Contributions10/11€54k€54k=
Reserves13€222k€222k=
Distributable reserves133€222k€222k=
Profit (loss) carried forward14€-10k€-16k▼
Amounts payable17/49€183k€194k▲
Amounts payable after more than one year17€60k€60k=
Financial debts170/4€60k€60k=
Amounts payable within one year42/48€112k€123k▲
Trade debts44€348€3k▲
Suppliers440/4€348€3k▲
Taxes, remuneration and social security45€8k€73▼
Taxes450/3€8k€73▼
Other amounts payable47/48€103k€120k▲
Accrued charges and deferred income492/3€11k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€765€765=
Other operating charges640/8€449€462▲
Gross operating margin9900€-8k€-5k▲
Operating profit (loss)9901€-9k€-6k▲
Financial income75/76B€10k€11k▲
Recurring financial income75€10k€11k▲
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Profit (loss) for the period before taxes9903€-10k€-6k▲
Income taxes67/77€58€60▲
Profit (loss) for the period9904€-10k€-6k▲
Profit (loss) for the period to be appropriated9905€-10k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-16k▼
Profit (loss) brought forward from the previous period14P€0€-10k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)90870.00.0=
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
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 22 days late
2023
31-12
Financial
Back to profitnet €88k
Net result €88k after one loss-making year.
31-12
Financial
Equity above €200kEq €276k ▲46.8%
Equity rises from €188k to €276k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €142k
Net result €142k after 2 loss-making years.
31-12
Financial
Liquidity times 135current ratio 6.05
Current ratio from 0.04 to 6.05.
31-12
Financial
Equity above €150kEq €187k ▲318%
Equity rises from €45k to €187k.
Show earlier events
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 67 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 7 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Diepenbeek · 1 establishment unit since 2016
Ground area
1,638 m²
Building footprint
192 m²
Volume, LiDAR
1,022 m³
Parcel 71011B0005/00K002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stego Management
since 20162.258.306.587
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011B0005/00K002 | Flanders | 1,638 m² | 1 · 192 m² | 8.4 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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Of 24,727 companies in sector 64210 we hold annual accounts for 19,764. 13,676 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
Founded11-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.