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 18941 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
22
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-33
Solvency0▼-18
Growth32=
Track record100
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; short-term debt: 124.8% and cash: 59.4% of total assets), 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
The 2024 annual accounts show negative equity and a net loss.
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 result in the available series.
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
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
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Of 20,510 companies in sector 56111 we hold annual accounts for 11,456. 8,565 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.