STELLO
ActiveSTELLO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €21k. Equity is growing by ~35.3% per year across the filed fiscal years. Its solvency ranks better than 79% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency100▲+8
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.38 against 2.43 in 2024; short-term debt: 16.7% and cash: 0.3% of total assets), and 18.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
81.6%
Return on assets
15.4%
Age of the figures
9 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
1 d early
2022
on the day
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€112k▲ 22.3%
2024 · €92k
2022: €40k
2023: €49k
2024: €92k
2022 → 2025
Total assets
€138k▲ 1.1%
2024 · €136k
2022: €78k
2023: €81k
2024: €136k
2022 → 2025
Net result
€21k▼ 51.3%
2024 · €43k
2022: €41k
2023: €9k
2024: €43k
2022 → 2025
Working capital
€78k▲ 29.6%
2024 · €60k
2022: €16k
2023: €24k
2024: €60k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€40k-€49k▲ 21.9%€92k▲ 87.1%€112k▲ 22.3%
Operating result€61k-€15k▼ 75.4%€61k▲ 308%€31k▼ 49.9%
Net result€41k-€9k▼ 76.8%€43k▲ 359%€21k▼ 51.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€37k▲ 7.9%
Current assets
€101k▼ 1.1%
Equity and liabilities €138k
Equity
€112k▲ 22.3%
Debt
€25k▼ 42.8%
The debt ratio falls from 32.6% to 18.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▼
2024 · €62k
Cash flow
€22k▼
2024 · €44k
Solvency
81.6%▲
2024 · 67.4%
Current ratio
4.38▲
2024 · 2.43
Quick ratio
4.38▲
2024 · 2.43
Debt / equity
0.23▼
2024 · 0.48
ROE
18.8%▼
2024 · 47.3%
ROA
15.4%▼
2024 · 31.9%
Interest coverage
86.16▼
2024 · 151.81
Debt
€25k▼
2024 · €44k
Debt ≤ 1 year
€23k▼
2024 · €42k
Income taxes
€10k▼
2024 · €18k
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€136k€138k▲
Fixed assets21/28€34k€37k▲
Tangible fixed assets22/27€34k€37k▲
Land and buildings22€10k€10k▼
Plant, machinery and equipment23€15k€17k▲
Furniture and vehicles24€9k€10k▲
Current assets29/58€102k€101k▼
Amounts receivable within one year40/41€20k€10k▼
Trade receivables40€20k-
Other amounts receivable41-€10k
Current investments50/53-€88k
Cash at bank and in hand54/58€81k€463▼
Deferred charges and accrued income490/1€892€3k▲
Equity and liabilities
Total equity and liabilities10/49€136k€138k▲
Equity10/15€92k€112k▲
Contributions10/11€100€100=
Reserves13€92k€112k▲
Distributable reserves133€92k€112k▲
Amounts payable17/49€44k€25k▼
Amounts payable within one year42/48€42k€23k▼
Financial debts43-€740
Credit institutions430/8-€740
Trade debts44€432€4k▲
Suppliers440/4€432€4k▲
Taxes, remuneration and social security45€40k€18k▼
Taxes450/3€40k€18k▼
Other amounts payable47/48€1k€650▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€841€1k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€63k€34k▼
Operating profit (loss)9901€61k€31k▼
Financial income75/76B€390€709▲
Recurring financial income75€390€709▲
Financial charges65/66B€409€370▼
Recurring financial charges65€409€370▼
Profit (loss) for the period before taxes9903€61k€31k▼
Income taxes67/77€18k€10k▼
Profit (loss) for the period9904€43k€21k▼
Profit (loss) for the period to be appropriated9905€43k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€21k▼
Transfer to equity691/2€43k€20k▼
To other reserves6921€43k€20k▼
Profit to be distributed694/7€650€650=
Return on contributions (dividend)694€650€650=
The notes to these accounts (5 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €112k ▲22.3%
4 profitable years in a row build equity to €112k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €43k ▲359%
Operating result €61k, net result €43k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €9k ▼76.8%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Holsbeek · 1 establishment unit since 2021
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.
Kortrijksebaan 573220 HolsbeekGround area
4,198 m²
Building footprint
571 m²
Volume, LiDAR
3,923 m³
Parcel 24043E0273/00A000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STELLO
since 20212.313.082.883
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24043E0273/00A000 | Flanders | 4,198 m² | 1 · 571 m² | 10.0 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 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,571 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2021
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.