STERAMED
ActiveSTERAMED has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €647k and a net result of €192k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 16% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▲+1
Solvency37▲+3
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.25 in 2023; short-term debt: 13.2% and cash: 1% of total assets), and 88% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 37959 sector peers (2024).
NBB · sector comparisonPosition among 37959 sector peers
Solvency
better than 16%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €647k
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 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
43 d early
2022
39 d early
2021
40 d early
2020
39 d early
2019
22 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€647k▲ 41.5%
2023 · €457k
2018: €469k
2019: €440k
2020: €468k
2021: €313k
2022: €363k
2023: €457k
2018 → 2024
Total assets
€5.38M▲ 7.0%
2023 · €5.03M
2018: €2.56M
2019: €3.15M
2020: €3.55M
2021: €4.97M
2022: €4.84M
2023: €5.03M
2018 → 2024
Net result
€192k▲ 104%
2023 · €94k
2018: €-29k
2019: €-29k
2020: €28k
2021: €-298k
2022: €50k
2023: €94k
2018 → 2024
Working capital
€-617k▼ 173%
2023 · €-226k
2018: €218k
2019: €-9k
2020: €-16k
2021: €-101k
2022: €-138k
2023: €-226k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€468k-€313k▼ 33.0%€363k▲ 16.0%€457k▲ 25.9%€647k▲ 41.5%
Operating result€58k-€-261k€101k€161k▲ 59.4%€277k▲ 71.6%
Net result€28k-€-298k€50k€94k▲ 87.4%€192k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 72% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €5.38M
Fixed assets
€5.29M▲ 6.7%
Current assets
€92k▲ 23.4%
Equity and liabilities €5.38M
Equity
€647k▲ 41.5%
Debt
€4.74M▲ 3.5%
The debt ratio falls from 90.9% to 88.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€425k▲
2023 · €351k
Cash flow
€340k▲
2023 · €283k
Solvency
12.0%▲
2023 · 9.1%
Current ratio
0.13▼
2023 · 0.25
Quick ratio
0.13▼
2023 · 0.25
Debt / equity
7.32▼
2023 · 10.00
ROE
29.7%▲
2023 · 20.5%
ROA
3.6%▲
2023 · 1.9%
Interest coverage
5.01▼
2023 · 5.20
Debt
€4.74M▲
2023 · €4.57M
Debt ≤ 1 year
€709k▲
2023 · €300k
Debt > 1 year
€4.00M▼
2023 · €4.27M
Income taxes
€609▼
2023 · €613
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€5.03M€5.38M▲
Fixed assets21/28€4.96M€5.29M▲
Intangible fixed assets21€223€0▼
Tangible fixed assets22/27€4.94M€5.27M▲
Land and buildings22€4.93M€5.26M▲
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24-€2k
Financial fixed assets28€20k€25k▲
Current assets29/58€74k€92k▲
Amounts receivable within one year40/41€29k€22k▼
Trade receivables40€18k€16k▼
Other amounts receivable41€12k€6k▼
Cash at bank and in hand54/58€35k€53k▲
Deferred charges and accrued income490/1€10k€16k▲
Equity and liabilities
Total equity and liabilities10/49€5.03M€5.38M▲
Equity10/15€457k€647k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€143k€141k▼
Reserves13€309k€487k▲
Tax-exempt reserves132€165€0▼
Distributable reserves133€309k€487k▲
Profit (loss) carried forward14€-13k€0▲
Amounts payable17/49€4.57M€4.74M▲
Amounts payable after more than one year17€4.27M€4.00M▼
Financial debts170/4€4.21M€3.94M▼
Other amounts payable178/9€60k€68k▲
Amounts payable within one year42/48€300k€709k▲
Current portion of amounts payable after more than one year42€265k€270k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Advances received on contracts in progress46€18k€22k▲
Taxes, remuneration and social security45€2k€13k▲
Taxes450/3€2k€11k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€13k€401k▲
Accrued charges and deferred income492/3€8k€25k▲
Income statement
Code20232024
Non-recurring operating income76A-€96k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€189k€148k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€94k€141k▲
Gross operating margin9900€444k€568k▲
Operating profit (loss)9901€161k€277k▲
Financial income75/76B€671€377▼
Recurring financial income75€671€377▼
Financial charges65/66B€68k€85k▲
Recurring financial charges65€68k€85k▲
Profit (loss) for the period before taxes9903€95k€193k▲
Income taxes67/77€613€609▼
Profit (loss) for the period9904€94k€192k▲
Transfer from tax-exempt reserves789-€165
Profit (loss) for the period to be appropriated9905€94k€192k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€179k▲
Profit (loss) brought forward from the previous period14P€-107k€-13k▲
Transfer to equity691/2-€179k
To other reserves6921-€179k
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €192k ▲104%
Operating result €277k, net result €192k, both a record.
31-12
Financial
Equity above €500kEq €647k ▲41.5%
3 profitable years in a row build equity to €647k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-298k ▼1165%
Net result drops to €-298k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
21-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gistel · 1 establishment unit since 2014
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.
Steenbakkerstraat 78470 GistelGround area
1,701 m²
Building footprint
322 m²
Volume, LiDAR
1,571 m³
Parcel 35005A0552/00C002, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Steenbakkerstraat 7, 8470 Gistel
since 20142.232.374.430
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35005A0552/00C002 | Flanders | 1,701 m² | 1 · 322 m² | 9.3 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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FINBEHEER
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 32,369 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
74105Other professional, scientific and technical activities
74140Other specialised design activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:steramed@telenet.be