STELIEKRO
ActiveThe annual accounts of STELIEKRO for fiscal year 2025 show a net loss of 169% of the equity at the start of that year. The 2025 annual accounts show equity of €2.17M and a net result of €-155k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 14038 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-29
Solvency100▲+67
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.74 against 2.98 in 2024; short-term debt: 7.9% and cash: 21.2% of total assets), and 18.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
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
81.5%
Return on assets
-5.8%
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
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
140 d early
2023
125 d early
2022
115 d early
2021
37 d early
2020
47 d early
2019
53 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
€2.17M▲ 2,257%
2024 · €92k
2018: €49k
2019: €54k
2020: €58k
2021: €77k
2022: €39k
2023: €68k
2024: €92k
2018 → 2025
Total assets
€2.67M▲ 119%
2024 · €1.22M
2018: €297k
2019: €289k
2020: €673k
2021: €646k
2022: €1.07M
2023: €1.05M
2024: €1.22M
2018 → 2025
Net result
€-155k
2024 · €24k
2018: €12k
2019: €19k
2020: €4k
2021: €20k
2022: €-39k
2023: €29k
2024: €24k
2018 → 2025
Working capital
€365k▲ 121%
2024 · €165k
2018: €33k
2019: €29k
2020: €-7k
2021: €-8k
2022: €-42k
2023: €-16k
2024: €165k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€39k▼ 49.7%€68k▲ 74.7%€92k▲ 35.5%€2.17M▲ 2,257%
Operating result€34k-€-28k€46k€47k▲ 3.0%€-150k
Net result€20k-€-39k€29k€24k▼ 16.9%€-155k
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 2025: a loss of €150k after €47k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.67M
Fixed assets
€2.09M▲ 116%
Current assets
€576k▲ 131%
Equity and liabilities €2.67M
Equity
€2.17M▲ 2,257%
Debt
€494k▼ 56.0%
The debt ratio falls from 92.4% to 18.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €98k
Cash flow
€13k▼
2024 · €75k
Solvency
81.5%▲
2024 · 7.6%
Current ratio
2.74▼
2024 · 2.98
Quick ratio
2.74▼
2024 · 2.98
Debt / equity
0.23▼
2024 · 12.19
ROE
-7.2%▼
2024 · 26.2%
ROA
-5.8%▼
2024 · 2.0%
Interest coverage
3.66▼
2024 · 6.09
Debt
€494k▼
2024 · €1.12M
Debt ≤ 1 year
€211k▲
2024 · €84k
Debt > 1 year
€283k▼
2024 · €1.04M
Income taxes
€510▼
2024 · €7k
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€1.22M€2.67M▲
Fixed assets21/28€967k€2.09M▲
Tangible fixed assets22/27€967k€2.09M▲
Land and buildings22€945k€1.92M▲
Furniture and vehicles24€22k€172k▲
Current assets29/58€249k€576k▲
Amounts receivable within one year40/41€52k€8k▼
Trade receivables40€46k€4k▼
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€196k€566k▲
Deferred charges and accrued income490/1€555€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.22M€2.67M▲
Equity10/15€92k€2.17M▲
Contributions10/11€6k€17k▲
Reserves13€2k€350k▲
Distributable reserves133€2k€350k▲
Profit (loss) carried forward14€84k€1.81M▲
Amounts payable17/49€1.12M€494k▼
Amounts payable after more than one year17€1.04M€283k▼
Financial debts170/4€1.04M€283k▼
Amounts payable within one year42/48€84k€211k▲
Current portion of amounts payable after more than one year42€56k€57k▲
Trade debts44€776€7k▲
Suppliers440/4€776€7k▲
Taxes, remuneration and social security45-€13k
Taxes450/3-€13k
Other amounts payable47/48€27k€135k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€169k▲
Other operating charges640/8€5k€43k▲
Gross operating margin9900€103k€62k▼
Operating profit (loss)9901€47k€-150k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€16k€5k▼
Recurring financial charges65€16k€5k▼
Profit (loss) for the period before taxes9903€31k€-155k▼
Income taxes67/77€7k€510▼
Profit (loss) for the period9904€24k€-155k▼
Profit (loss) for the period to be appropriated9905€24k€-155k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€1.81M▲
Profit (loss) brought forward from the previous period14P€60k€1.96M▲
Transfer from equity791/2-€139k
Profit to be distributed694/7-€139k
Return on contributions (dividend)694-€139k
The notes to these accounts (7 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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-155k ▼743%
Net result drops to €-155k, the lowest in the series.
31-12
Financial
Equity above €2MEq €2.17M ▲2257%
Equity rises from €92k to €2.17M.
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 2.98
Current ratio from 0.78 to 2.98.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
07-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Roosdaal · 1 establishment unit since 2014
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.
Brusselstraat 591760 RoosdaalGround area
2,603 m²
Building footprint
177 m²
Parcel 23097C0047/00M003, Flanders. Linked by address, not a title deed.
1 establishment unit
STELIEKRO
since 20142.226.412.591
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23097C0047/00M003 | Flanders | 2,603 m² | 1 · 177 m² | - |
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.
Similar companies · same sector, comparable size
SAPI
BE 0838.527.683
Aalter · Eq €2.17M
SAND
BE 0476.763.116
Beerse · Eq €2.17M
HEIRINVEST
BE 0844.268.303
Sint-Martens-Latem · Eq €2.17M
STELIE
BE 0535.766.038
Gistel · Eq €2.18M
DE LEIEBOORDEN
BE 0423.292.360
Harelbeke · Eq €2.19M
Of 7,321 companies in sector 68110 we hold annual accounts for 5,381. 2,583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2014
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68310Real estate agency activities
68311Real estate activities
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.