STELMON
ActiveSTELMON has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 90% of 907 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-21
Solvency100=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.16), and 10.3% 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+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← 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
89.7%
Return on assets
1.4%
Age of the figures
8 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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
30 d early
2023
13 d early
2022
11 d early
2021
48 d early
2020
33 d early
2019
52 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€102k▲ 1.6%
2024 · €101k
2018: €104k
2019: €92k
2020: €94k
2021: €94k
2022: €93k
2023: €95k
2024: €101k
2018 → 2025
Total assets
€114k▲ 12.7%
2024 · €101k
2018: €107k
2019: €95k
2020: €97k
2021: €102k
2022: €97k
2023: €95k
2024: €101k
2018 → 2025
Net result
€2k▼ 72.1%
2024 · €6k
2018: €3k
2019: €38
2020: €2k
2021: €-277
2022: €-938
2023: €2k
2024: €6k
2018 → 2025
Working capital
€60k▼ 0.5%
2024 · €61k
2018: €66k
2019: €55k
2020: €59k
2021: €61k
2022: €49k
2023: €53k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€93k▼ 1.0%€95k▲ 2.1%€101k▲ 6.2%€102k▲ 1.6%
Operating result€1k-€-732€2k€8k▲ 283%€2k▼ 71.1%
Net result€-277-€-938▼ 238%€2k€6k▲ 206%€2k▼ 72.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€42k▲ 4.8%
Current assets
€72k▲ 17.9%
Equity and liabilities €114k
Equity
€102k▲ 1.6%
Debt
€12k▲ 2,226%
The debt ratio rises from 0.5% to 10.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€5k▼
2024 · €10k
Cash flow
€4k▼
2024 · €8k
Solvency
89.7%▼
2024 · 99.5%
Current ratio
6.16
Quick ratio
6.16
Debt / equity
0.11▲
2024 · 0.00
ROE
1.6%▼
2024 · 5.9%
ROA
1.4%▼
2024 · 5.8%
Interest coverage
31.30▼
2024 · 69.82
Debt
€12k▲
2024 · €503
Debt ≤ 1 year
€12k▲
2024 · €477
Income taxes
€600▼
2024 · €2k
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€101k€114k▲
Fixed assets21/28€40k€42k▲
Tangible fixed assets22/27€40k€42k▲
Land and buildings22€40k€42k▲
Financial fixed assets28€40€40=
Current assets29/58€61k€72k▲
Amounts receivable within one year40/41€51k€62k▲
Trade receivables40€13k€13k▲
Other amounts receivable41€39k€49k▲
Cash at bank and in hand54/58€10k€10k▲
Deferred charges and accrued income490/1€65€79▲
Equity and liabilities
Total equity and liabilities10/49€101k€114k▲
Equity10/15€101k€102k▲
Contributions10/11€31k€31k=
Reserves13€70k€72k▲
Distributable reserves133€70k€72k▲
Amounts payable17/49€503€12k▲
Amounts payable within one year42/48€477€12k▲
Trade debts44-€10k
Suppliers440/4-€10k
Taxes, remuneration and social security45€477€2k▲
Taxes450/3€477€2k▲
Accrued charges and deferred income492/3€26€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€12k€7k▼
Operating profit (loss)9901€8k€2k▼
Financial charges65/66B€150€150▼
Recurring financial charges65€150€150▼
Profit (loss) for the period before taxes9903€8k€2k▼
Income taxes67/77€2k€600▼
Profit (loss) for the period9904€6k€2k▼
Profit (loss) for the period to be appropriated9905€6k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€2k▼
Transfer to equity691/2€6k€2k▼
To other reserves6921€6k€2k▼
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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €6k ▲206%
Operating result €8k, net result €6k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲6.2%
2 profitable years in a row build equity to €101k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
31-12
Financial
Liquidity times 9current ratio 116.09
Current ratio from 12.82 to 116.09; short-term debt falls from €4k to €458.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-938
Net result drops to €-938, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Riemst · 1 establishment unit since 1994
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.
Reeckervelt 43770 RiemstGround area
3.0 ha
Building footprint
4,754 m²
Volume, LiDAR
1,355 m³
2 parcels, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Stellingbouw Stelmon bvba
since 19942.068.297.049
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73066A1686/00S000 | Flanders | 2.8 ha | 1 · 4,413 m² | - |
| 73066A0076/00G000 | Flanders | 1,930 m² | 1 · 341 m² | 6.9 m · 1 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.
Similar companies · same sector, comparable size
ART OF H
BE 0472.187.189
Namur · Eq €103k
CONTAINER1
BE 0758.477.246
Les Bons Villers · Eq €101k
INTERRENT
BE 0442.582.888
Bree · Eq €104k
DMG TERRASSEMENT
BE 0691.914.262
Rendeux · Eq €104k
STELLINGVERHUUR GOOSSENS
BE 0881.383.867
Hoogstraten · Eq €101k
Of 664 companies in sector 77320 we hold annual accounts for 489. 335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-1994
Fiscal year end31-12
Activities, NACEBEL
71320
77320Rental and leasing activities
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.