STEMADIGIT
ActiveSTEMADIGIT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €15k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 45% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency97▲+13
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.22 against 1.77 in 2024), and 46.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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 2025Solvency, return and age of the figures
Solvency
53.9%
Return on assets
9.2%
Age of the figures
10 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 09-06-2026, 9 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
9 d late
2024
4 d early
2023
1 d early
2022
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-10-2026 close31-05-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▲ 20.7%
2024 · €74k
2022: €49k
2023: €56k
2024: €74k
2022 → 2025
Total assets
€165k▼ 0.6%
2024 · €166k
2022: €155k
2023: €155k
2024: €166k
2022 → 2025
Net result
€15k▼ 14.8%
2024 · €18k
2022: €4k
2023: €7k
2024: €18k
2022 → 2025
Working capital
€86k▲ 26.0%
2024 · €69k
2022: €38k
2023: €45k
2024: €69k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€49k-€56k▲ 14.9%€74k▲ 32.0%€89k▲ 20.7%
Operating result€9k-€7k▼ 18.6%€28k▲ 275%€22k▼ 21.2%
Net result€4k-€7k▲ 106%€18k▲ 146%€15k▼ 14.8%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€8k▼ 5.6%
Current assets
€157k▼ 0.3%
Equity and liabilities €165k
Equity
€89k▲ 20.7%
Debt
€76k▼ 17.6%
The debt ratio falls from 55.6% to 46.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€22k▼
2024 · €28k
Cash flow
€16k▼
2024 · €18k
Solvency
53.9%▲
2024 · 44.4%
Current ratio
2.22▲
2024 · 1.77
Quick ratio
1.92▲
2024 · 1.49
Debt / equity
0.85▼
2024 · 1.25
ROE
17.1%▼
2024 · 24.3%
ROA
9.2%▼
2024 · 10.8%
Interest coverage
89.15▼
2024 · 90.98
Debt
€76k▼
2024 · €92k
Debt ≤ 1 year
€71k▼
2024 · €89k
Income taxes
€6k▼
2024 · €10k
Staff costs
€68k▲
2024 · €65k
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€166k€165k▼
Fixed assets21/28€8k€8k▼
Tangible fixed assets22/27€518€73▼
Plant, machinery and equipment23€518€73▼
Furniture and vehicles24€0-
Financial fixed assets28€8k€8k=
Current assets29/58€158k€157k▼
Stocks and contracts in progress3€25k€21k▼
Stocks30/36€25k€21k▼
Amounts receivable within one year40/41€127k€135k▲
Trade receivables40€125k€127k▲
Other amounts receivable41€3k€9k▲
Cash at bank and in hand54/58€5k€628▼
Equity and liabilities
Total equity and liabilities10/49€166k€165k▼
Equity10/15€74k€89k▲
Contributions10/11€45k€45k=
Profit (loss) carried forward14€29k€44k▲
Amounts payable17/49€92k€76k▼
Amounts payable within one year42/48€89k€71k▼
Trade debts44€0€10k▲
Suppliers440/4€0€10k▲
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€12k€7k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€75k€51k▼
Accrued charges and deferred income492/3€3k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€65k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€445€445=
Other operating charges640/8€3k€987▼
Gross operating margin9900€96k€91k▼
Operating profit (loss)9901€28k€22k▼
Financial income75/76B€23€4▼
Recurring financial income75€23€4▼
Financial charges65/66B€309€250▼
Recurring financial charges65€309€250▼
Profit (loss) for the period before taxes9903€27k€22k▼
Income taxes67/77€10k€6k▼
Profit (loss) for the period9904€18k€15k▼
Profit (loss) for the period to be appropriated9905€18k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€44k▲
Profit (loss) brought forward from the previous period14P€11k€29k▲
Social balance
Average headcount (FTE)90871.0-
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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-10
Financial
Highest result since 2022net €18k ▲146%
Operating result €28k, net result €18k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated 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, Jabbeke · 1 establishment unit since 2020
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.
Gistelsteenweg 4038490 JabbekeGround area
2,040 m²
Building footprint
487 m²
Parcel 31012C0441/00R000, Flanders. Linked by address, not a title deed.
1 establishment unit
STEMADIGIT
since 20202.311.360.738
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31012C0441/00R000 | Flanders | 2,040 m² | 1 · 487 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 2,492 EUR awarded · 2,492 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 896 EUR | 896 EUR |
| 2022 | 1 | 1,596 EUR | 1,596 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,811 companies in sector 62100 we hold annual accounts for 8,749. 6,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2020
Fiscal year end31-10
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62100Computer programming
62200Computer consultancy and computer facilities management
62020IT consultancy
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.stemadigit.be