STEMA SOLUTIONS
ActiveSTEMA SOLUTIONS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €29k. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 20% of 1291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency15▲+14
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.4 in 2024), and 83.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
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
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
16.7%
Return on assets
15.1%
Age of the figures
11 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 1291 sector peers (2025).
NBB · sector comparisonPosition among 1291 sector peers
Solvency
better than 20%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €32k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
on the day
2022
6 d early
2021
3 d early
2020
53 d early
2019
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▲ 931%
2024 · €3k
2018: €16k
2019: €16k
2020: €13k
2021: €17k
2022: €5k
2023: €13k
2024: €3k
2018 → 2025
Total assets
€194k▲ 29.6%
2024 · €150k
2018: €54k
2019: €46k
2020: €34k
2021: €161k
2022: €151k
2023: €176k
2024: €150k
2018 → 2025
Net result
€29k
2024 · €-10k
2018: €7k
2019: €347
2020: €-3k
2021: €3k
2022: €-12k
2023: €8k
2024: €-10k
2018 → 2025
Working capital
€-23k▲ 30.3%
2024 · €-33k
2018: €6k
2019: €6k
2020: €1k
2021: €-11k
2022: €-17k
2023: €-22k
2024: €-33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€5k▼ 71.0%€13k▲ 171%€3k▼ 76.1%€32k▲ 931%
Operating result€7k-€-10k€11k€-8k€40k
Net result€3k-€-12k€8k€-10k€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €40k after a loss of €8k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €194k
Fixed assets
€140k▲ 9.7%
Current assets
€54k▲ 147%
Equity and liabilities €194k
Equity
€32k▲ 931%
Debt
€162k▲ 10.3%
The debt ratio falls from 97.9% to 83.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€51k▲
2024 · €889
Cash flow
€40k▲
2024 · €-1k
Solvency
16.7%▲
2024 · 2.1%
Current ratio
0.70▲
2024 · 0.40
Quick ratio
0.54▲
2024 · 0.17
Debt / equity
5.00▼
2024 · 46.67
ROE
90.3%▲
2024 · -318.9%
ROA
15.1%▲
2024 · -6.7%
Interest coverage
14.92▲
2024 · 0.50
Debt
€162k▲
2024 · €147k
Debt ≤ 1 year
€77k▲
2024 · €55k
Debt > 1 year
€84k▼
2024 · €90k
Income taxes
€7k▲
2024 · €258
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€150k€194k▲
Fixed assets21/28€128k€140k▲
Tangible fixed assets22/27€128k€140k▲
Land and buildings22€128k€120k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€0€20k▲
Current assets29/58€22k€54k▲
Stocks and contracts in progress3€12k€12k=
Stocks30/36€12k€12k=
Amounts receivable within one year40/41€3k€20k▲
Trade receivables40€906€20k▲
Other amounts receivable41€2k€46▼
Cash at bank and in hand54/58€3k€16k▲
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€150k€194k▲
Equity10/15€3k€32k▲
Contributions10/11€12k€12k=
Reserves13€5k€20k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€5k€20k▲
Profit (loss) carried forward14€-14k€0▲
Amounts payable17/49€147k€162k▲
Amounts payable after more than one year17€90k€84k▼
Financial debts170/4€90k€84k▼
Amounts payable within one year42/48€55k€77k▲
Current portion of amounts payable after more than one year42€6k€36k▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€10k€13k▲
Taxes450/3€10k€12k▲
Remuneration and social security454/9€0€1k▲
Other amounts payable47/48€32k€26k▼
Accrued charges and deferred income492/3€2k€970▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€4k€54k▲
Operating profit (loss)9901€-8k€40k▲
Financial income75/76B€10€0▼
Recurring financial income75€10€0▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-10k€36k▲
Income taxes67/77€258€7k▲
Profit (loss) for the period9904€-10k€29k▲
Profit (loss) for the period to be appropriated9905€-10k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€15k▲
Profit (loss) brought forward from the previous period14P€-4k€-14k▼
Transfer to equity691/2-€15k
To other reserves6921-€15k
The notes to these accounts (8 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-12k ▼451%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
08-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Oostrozebeke · 1 establishment unit since 2013
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.
Leegstraat 1898780 OostrozebekeGround area
1,235 m²
Building footprint
179 m²
Volume, LiDAR
861 m³
Parcel 37010E1042/00M000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEMA SOLUTIONS
since 20132.215.807.919
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37010E1042/00M000 | Flanders | 1,234 m² | 1 · 179 m² | 6.8 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 3,705 companies in sector 33120 we hold annual accounts for 1,334. 954 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2012
Fiscal year end30-09
Activities, NACEBEL
33120Repair and maintenance of machinery
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.