STELO CONSULT
ActiveSTELO CONSULT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €197k and a net result of €81k. Equity is growing by ~66.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 37960 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 5.97 against 3.79 in 2023; short-term debt: 14.3% and cash: 37.9% of total assets), and 14.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
85.7%
Return on assets
35.1%
Age of the figures
21 mo
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 24-06-2025, 37 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
8 d early
2022
34 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€197k▲ 69.3%
2023 · €116k
2022: €42k
2023: €116k
2022 → 2024
Total assets
€230k▲ 61.5%
2023 · €143k
2022: €66k
2023: €143k
2022 → 2024
Net result
€81k▲ 7.9%
2023 · €75k
2022: €39k
2023: €75k
2022 → 2024
Working capital
€164k▲ 126%
2023 · €73k
2022: €40k
2023: €73k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€42k-€116k▲ 180%€197k▲ 69.3%
Operating result€50k-€96k▲ 90.5%€101k▲ 5.7%
Net result€39k-€75k▲ 93.7%€81k▲ 7.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 6% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €230k
Fixed assets
€33k▼ 24.1%
Current assets
€197k▲ 99.4%
Equity and liabilities €230k
Equity
€197k▲ 69.3%
Debt
€33k▲ 26.5%
The debt ratio falls from 18.3% to 14.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€112k▲
2023 · €105k
Cash flow
€91k▲
2023 · €84k
Solvency
85.7%▲
2023 · 81.7%
Current ratio
5.97▲
2023 · 3.79
Quick ratio
5.97▲
2023 · 3.79
Debt / equity
0.17▼
2023 · 0.22
ROE
40.9%▼
2023 · 64.2%
ROA
35.1%▼
2023 · 52.5%
Interest coverage
1622.13▲
2023 · 197.63
Debt
€33k▲
2023 · €26k
Debt ≤ 1 year
€33k▲
2023 · €26k
Income taxes
€23k▲
2023 · €21k
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€143k€230k▲
Fixed assets21/28€44k€33k▼
Tangible fixed assets22/27€44k€33k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€41k€31k▼
Other tangible fixed assets26€964€740▼
Current assets29/58€99k€197k▲
Amounts receivable within one year40/41€35k€17k▼
Trade receivables40€35k€17k▼
Current investments50/53€30k€91k▲
Cash at bank and in hand54/58€33k€87k▲
Deferred charges and accrued income490/1€597€2k▲
Equity and liabilities
Total equity and liabilities10/49€143k€230k▲
Equity10/15€116k€197k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€113k€194k▲
Amounts payable17/49€26k€33k▲
Amounts payable within one year42/48€26k€33k▲
Trade debts44€924€382▼
Suppliers440/4€924€382▼
Taxes, remuneration and social security45€25k€32k▲
Taxes450/3€25k€32k▲
Other amounts payable47/48€160€980▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€333€304▼
Gross operating margin9900€105k€112k▲
Operating profit (loss)9901€96k€101k▲
Financial income75/76B€327€2k▲
Recurring financial income75€327€2k▲
Financial charges65/66B€530€69▼
Recurring financial charges65€530€69▼
Profit (loss) for the period before taxes9903€96k€104k▲
Income taxes67/77€21k€23k▲
Profit (loss) for the period9904€75k€81k▲
Profit (loss) for the period to be appropriated9905€75k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€113k€194k▲
Profit (loss) brought forward from the previous period14P€39k€113k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €81k ▲7.9%
Operating result €101k, net result €81k, both a record.
31-12
Financial
Equity above €150kEq €197k ▲69.3%
3 profitable years in a row build equity to €197k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €116k ▲180%
2 profitable years in a row build equity to €116k.
27-06
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
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, Tervuren · 1 establishment unit since 2022
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.
Jachtlaan 263080 TervurenGround area
871 m²
Building footprint
123 m²
Volume, LiDAR
775 m³
Parcel 24302F0124/00E000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STELO CONSULT
since 20222.331.285.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302F0124/00E000 | Flanders | 871 m² | 1 · 123 m² | 9.2 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 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,109 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.