Summary
Stellar Beton 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 €932k and a net result of €358k. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 35% of 5527 sector peers (fiscal year 2025). The company has been active since 2017 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 advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
19 d late
2024
25 d late
2023
9 d late
2022
31 d late
2021
18 d late
2020
36 d early
2019
26 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
€932k▲ 48.2%
2024 · €629k
2018: €40k
2019: €84k
2020: €177k
2021: €315k
2022: €455k
2023: €636k
2024: €629k
2018 → 2025
Net result
€358k▲ 499%
2024 · €60k
2018: €27k
2019: €44k
2020: €93k
2021: €138k
2022: €140k
2023: €174k
2024: €60k
2018 → 2025
Total assets
€2.64M▼ 9.7%
2024 · €2.93M
2018: €67k
2019: €375k
2020: €729k
2021: €1.20M
2022: €1.55M
2023: €2.75M
2024: €2.93M
2018 → 2025
Solvency
35.2%▲ 13.8pp
2024 · 21.5%
2018: 59.8%
2019: 22.3%
2020: 24.3%
2021: 26.3%
2022: 29.4%
2023: 23.1%
2024: 21.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€315k-€455k▲ 44.5%€636k▲ 39.7%€629k▼ 1.1%€932k▲ 48.2%
Operating result€179k-€182k▲ 1.9%€265k▲ 45.1%€102k▼ 61.4%€546k▲ 434%
Net result€138k-€140k▲ 1.5%€174k▲ 24.4%€60k▼ 65.7%€358k▲ 499%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 434% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.64M
Fixed assets
€1.89M ▲ 13.8%
Current assets
€753k ▼ 40.6%
Equity and liabilities €2.64M
Equity
€932k ▲ 48.2%
Provisions
€28k
Debt
€1.68M ▼ 26.8%
Debt's share of the balance-sheet total falls from 78.5% to 63.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
38.4%▲
2024 · 9.5%
ROA
13.5%▲
2024 · 2.0%
Debt ≤ 1 year
€659k▼
2024 · €1.49M
Debt > 1 year
€1.03M▲
2024 · €785k
Income taxes
€98k▲
2024 · €11k
Staff costs
€564k▲
2024 · €407k
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 · 68 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.93M€2.64M▼
Fixed assets21/28€1.66M€1.89M▲
Intangible fixed assets21€55k€40k▼
Tangible fixed assets22/27€1.58M€1.81M▲
Plant, machinery and equipment23€47k€35k▼
Furniture and vehicles24€150k€84k▼
Leasing and similar rights25€1.35M€1.64M▲
Other tangible fixed assets26€32k€55k▲
Financial fixed assets28€31k€39k▲
Current assets29/58€1.27M€753k▼
Amounts receivable after more than one year29€698k€2k▼
Trade receivables290€698k€2k▼
Amounts receivable within one year40/41€478k€561k▲
Trade receivables40€428k€438k▲
Other amounts receivable41€50k€123k▲
Cash at bank and in hand54/58€50k€155k▲
Deferred charges and accrued income490/1€42k€35k▼
Equity and liabilities
Total equity and liabilities10/49€2.93M€2.64M▼
Equity10/15€629k€932k▲
Contributions10/11€19k€19k=
Reserves13€610k€913k▲
Tax-exempt reserves132-€83k
Distributable reserves133€610k€830k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16-€28k
Deferred taxes168-€28k
Amounts payable17/49€2.30M€1.68M▼
Amounts payable after more than one year17€785k€1.03M▲
Financial debts170/4€785k€1.03M▲
Amounts payable within one year42/48€1.49M€659k▼
Current portion of amounts payable after more than one year42€349k€414k▲
Financial debts43€770k€25k▼
Credit institutions430/8€770k€0▼
Other loans439-€25k
Trade debts44€294k€165k▼
Suppliers440/4€294k€165k▼
Taxes, remuneration and social security45€52k€55k▲
Taxes450/3€20k€28k▲
Remuneration and social security454/9€32k€27k▼
Other amounts payable47/48€21k€0▼
Accrued charges and deferred income492/3€30k€15▼
Income statement
Code20242025
Non-recurring operating income76A€1k€128k▲
Remuneration, social security and pensions62€407k€564k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€380k€360k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€586€0▼
Other operating charges640/8€15k€57k▲
Non-recurring operating charges66A€71€24k▲
Gross operating margin9900€905k€1.55M▲
Operating profit (loss)9901€102k€546k▲
Financial income75/76B€64k€715▼
Recurring financial income75€64k€715▼
Financial charges65/66B€95k€63k▼
Recurring financial charges65€95k€63k▼
Profit (loss) for the period before taxes9903€71k€484k▲
Transfer from deferred taxes780-€2k
Transfer to deferred taxes680-€30k
Income taxes67/77€11k€98k▲
Profit (loss) for the period9904€60k€358k▲
Transfer from tax-exempt reserves789-€7k
Transfer to tax-exempt reserves689-€89k
Profit (loss) for the period to be appropriated9905€60k€275k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€275k▲
Transfer from equity791/2€67k€55k▼
Transfer to equity691/2€60k€275k▲
To other reserves6921€60k€275k▲
Profit to be distributed694/7€67k€55k▼
Return on contributions (dividend)694€67k€55k▼
Social balance
Average headcount (FTE)90876.69.2▲
The notes to these accounts (24 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
01-09
State Gazette act
Registered officeRegistered-office move · Power of attorney3 facts ▸
State Gazette act
Registered office
Registered-office move · Power of attorney3 facts ▸
- Board meeting, 11-08-2026
- Registered-office move, Nijverheidslaan 1503, 3660 Oudsbergen
- Power of attorney, Moore Finance & Tax BV
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Highest result since 2018net €358k ▲499%
Operating result €546k, net result €358k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 9 days late
2023
31-12
Financial
Equity above €500kEq €636k ▲39.7%
6 profitable years in a row build equity to €636k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
31-12
Financial
Equity above €200kEq €315k ▲78.2%
4 profitable years in a row build equity to €315k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity doublescurrent ratio 1.07
Current ratio from 0.48 to 1.07.
31-12
Financial
Equity above €150kEq €177k ▲111%
3 profitable years in a row build equity to €177k.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Oudsbergen · 1 establishment unit since 2017
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.
Nijverheidslaan 15033660 OudsbergenGround area
1.6 ha
Building footprint
4,341 m²
Volume, LiDAR
34,185 m³
2 parcels, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PRO BUILDING
since 20172.269.948.468
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71562B0914/00A011 | Flanders | 1.1 ha | 1 · 3,272 m² | 10.1 m · 3 fl. |
| 71562B0913/00W004 | Flanders | 4,958 m² | 1 · 1,069 m² | 7.2 m · 2 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
2022 to 2024 · 3 entries · 7,160 EUR awarded · 6,770 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,660 EUR | 2,270 EUR |
| 2023 | 1 | 1,500 EUR | 1,500 EUR |
| 2022 | 1 | 3,000 EUR | 3,000 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,852 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
Founded19-10-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
64210Activities of holding companies
41001General construction of residential buildings
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.