Stemarimmo
ActiveStemarimmo has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €-869. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-3
Solvency84▲+8
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.5 in 2024; short-term debt: 40.8% and cash: 69.1% of total assets), and 40.8% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.2%
Return on assets
-2.3%
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 02-07-2026, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
29 d early
2024
28 d late
2023
29 d late
2022
6 d early
2021
7 d early
2020
30 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 3.8%
2024 · €23k
2020: €27k
2021: €55k
2022: €92k
2023: €22k
2024: €23k
2020 → 2025
Total assets
€38k▼ 16.9%
2024 · €45k
2020: €55k
2021: €99k
2022: €139k
2023: €71k
2024: €45k
2020 → 2025
Net result
€-869
2024 · €1k
2020: €24k
2021: €30k
2022: €37k
2023: €16k
2024: €1k
2020 → 2025
Working capital
€12k▲ 11.9%
2024 · €11k
2020: €21k
2021: €43k
2022: €80k
2023: €10k
2024: €11k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€92k▲ 67.9%€22k▼ 76.1%€23k▲ 4.7%€22k▼ 3.8%
Operating result€40k-€53k▲ 31.5%€23k▼ 57.1%€7k▼ 70.4%€3k▼ 56.1%
Net result€30k-€37k▲ 26.1%€16k▼ 57.6%€1k▼ 93.4%€-869
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€10k▼ 17.9%
Current assets
€28k▼ 16.6%
Equity and liabilities €38k
Equity
€22k▼ 3.8%
Debt
€15k▼ 30.7%
The debt ratio falls from 48.9% to 40.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €11k
Cash flow
€4k▼
2024 · €5k
Solvency
59.2%▲
2024 · 51.1%
Current ratio
1.80▲
2024 · 1.50
Quick ratio
1.80▲
2024 · 1.50
Debt / equity
0.69▼
2024 · 0.96
ROE
-3.9%▼
2024 · 4.5%
ROA
-2.3%▼
2024 · 2.3%
Interest coverage
3.48▲
2024 · 3.17
Debt
€15k▼
2024 · €22k
Debt ≤ 1 year
€15k▼
2024 · €22k
Income taxes
€2k▼
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€45k€38k▼
Fixed assets21/28€12k€10k▼
Intangible fixed assets21€50-
Tangible fixed assets22/27€12k€10k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€7k€6k▼
Current assets29/58€33k€28k▼
Amounts receivable within one year40/41€10k€199▼
Other amounts receivable41€10k€199▼
Cash at bank and in hand54/58€20k€26k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€45k€38k▼
Equity10/15€23k€22k▼
Contributions10/11€5k€5k=
Reserves13€18k€17k▼
Distributable reserves133€18k€17k▼
Amounts payable17/49€22k€15k▼
Amounts payable within one year42/48€22k€15k▼
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€4k€10k▲
Suppliers440/4€4k€10k▲
Taxes, remuneration and social security45€15k€6k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€6k-
Other amounts payable47/48€2k€18▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€405€1k▲
Gross operating margin9900€11k€9k▼
Operating profit (loss)9901€7k€3k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€3k€681▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€1k€-869▼
Profit (loss) for the period to be appropriated9905€1k€-869▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-869▼
Profit (loss) brought forward from the previous period14P€1k-
Transfer from equity791/2-€869
Transfer to equity691/2€2k-
To other reserves6921€2k-
The notes to these accounts (10 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-869 ▼184%
Net result drops to €-869, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €37k ▲26.1%
Operating result €53k, net result €37k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
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, Kluisbergen · 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.
Hoogstad 99690 KluisbergenGround area
3,418 m²
Building footprint
224 m²
Volume, LiDAR
1,024 m³
Parcel 45043C0072/00D000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stemarimmo
since 20202.301.067.949
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45043C0072/00D000 | Flanders | 3,418 m² | 1 · 224 m² | 7.3 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 11,749 companies in sector 68310 we hold annual accounts for 6,907. 4,053 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2020
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.