STELENA
ActiveThe computed 12-month bankruptcy probability of STELENA is 4.0% (elevated). The 2024 annual accounts show negative equity (€-27k) and a net result of €-21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 18936 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
7
/ 100
Critical▼ -18 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency38▼-6
Growth32=
Stability100
Bankruptcy probability, 12 months
4.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.7 against 0.99 in 2023), and equity is negative.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-32.4%
Return on assets
-24.9%
Age of the figures
20 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
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€27k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
26 d early
2022
32 d early
2021
25 d early
2020
32 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-27k▼ 335%
2023 · €-6k
2018: €18k
2019: €-42k
2020: €-57k
2021: €-16k
2022: €-5k
2023: €-6k
2018 → 2024
Total assets
€84k▼ 4.0%
2023 · €87k
2018: €51k
2019: €68k
2020: €43k
2021: €92k
2022: €104k
2023: €87k
2018 → 2024
Net result
€-21k▼ 1,311%
2023 · €-1k
2018: €2k
2019: €-60k
2020: €-15k
2021: €41k
2022: €11k
2023: €-1k
2018 → 2024
Working capital
€-32k▼ 2,688%
2023 · €-1k
2018: €3k
2019: €-14k
2020: €-19k
2021: €19k
2022: €16k
2023: €-1k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-57k-€-16k▲ 72.2%€-5k▲ 69.8%€-6k▼ 31.2%€-27k▼ 335%
Operating result€-11k-€47k€13k▼ 72.8%€112▼ 99.1%€-19k
Net result€-15k-€41k€11k▼ 73.2%€-1k€-21k▼ 1,311%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €19k after €112 in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €84k
Fixed assets
€11k▲ 78.5%
Current assets
€73k▼ 10.2%
Key figures and ratios
EBITDA
€-17k▼
2023 · €3k
Cash flow
€-19k▼
2023 · €2k
Solvency
-32.4%▼
2023 · -7.1%
Current ratio
0.70▼
2023 · 0.99
Quick ratio
0.52▼
2023 · 0.77
Debt / equity
-4.09▲
2023 · -15.00
ROE
77.0%▲
2023 · 23.8%
ROA
-24.9%▼
2023 · -1.7%
Interest coverage
-6.10▼
2023 · 1.96
Debt
€111k▲
2023 · €94k
Debt ≤ 1 year
€105k▲
2023 · €82k
Debt > 1 year
€6k▼
2023 · €11k
Income taxes
€0▼
2023 · €0
Staff costs
€252k▲
2023 · €232k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€87k€84k▼
Fixed assets21/28€6k€11k▲
Tangible fixed assets22/27€2k€7k▲
Land and buildings22-€3k
Plant, machinery and equipment23€2k€4k▲
Financial fixed assets28€4k€4k▲
Current assets29/58€81k€73k▼
Stocks and contracts in progress3€18k€18k▲
Stocks30/36€18k€18k▲
Amounts receivable within one year40/41€7k€5k▼
Trade receivables40€7k€5k▼
Other amounts receivable41-€43
Cash at bank and in hand54/58€56k€50k▼
Deferred charges and accrued income490/1€830€118▼
Equity and liabilities
Total equity and liabilities10/49€87k€84k▼
Equity10/15€-6k€-27k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-27k€-48k▼
Amounts payable17/49€94k€111k▲
Amounts payable after more than one year17€11k€6k▼
Financial debts170/4€11k€6k▼
Amounts payable within one year42/48€82k€105k▲
Current portion of amounts payable after more than one year42€17k€20k▲
Financial debts43€573€573=
Credit institutions430/8€573€573=
Trade debts44€17k€25k▲
Suppliers440/4€17k€25k▲
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€48k€51k▲
Taxes450/3€20k€19k▼
Remuneration and social security454/9€28k€31k▲
Other amounts payable47/48€374€5k▲
Income statement
Code20232024
Remuneration, social security and pensions62€232k€252k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€236k€239k▲
Operating profit (loss)9901€112€-19k▼
Financial income75/76B€58€344▲
Recurring financial income75€58€344▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-1k€-21k▼
Income taxes67/77€0€0▼
Profit (loss) for the period9904€-1k€-21k▼
Profit (loss) for the period to be appropriated9905€-1k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-48k▼
Profit (loss) brought forward from the previous period14P€-25k€-27k▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €41k
Net result €41k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.30
Current ratio from 0.62 to 1.30.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-60k ▼3393%
Net result drops to €-60k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
22-06
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
4 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, Antwerpen · 2 establishment units 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.
Kammenstraat 122000 AntwerpenGround area
233 m²
Building footprint
100 m²
Volume, LiDAR
1,070 m³
2 parcels, Flanders · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Billie's Bier Kafétaria
since 20132.225.163.073
Billie's Bottelshop
since 20192.284.738.889
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D2324/00A000 | Flanders | 151 m² | 1 · 59 m² | 15.7 m · 3 fl. |
| 11804D0495/00C000 | Flanders | 82 m² | 1 · 41 m² | 17.6 m · 5 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
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAntwerpen2.225.163.073
Antwerpen2.284.738.889
Similar companies · same sector, comparable size
ATZ GESTION
BE 1026.595.837
Watermaal-Bosvoorde · Eq €18k
Faizullah
BE 1000.744.149
Antwerpen · Eq €18k
ZEFIROS
BE 0838.462.159
Thuin · Eq €18k
Poesy
BE 1019.008.259
Elsene · Eq €18k
NEW T&B
BE 0659.847.943
Sint-Niklaas · Eq €18k
Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 8,448 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2013
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.