Equity
-€437,226
Debts exceed assets in financial year 2025.
STERCK DESIGN
Lifetime
4 annual accounts with figures on one time axispeak €24,953 (2025)
€24,953▲ 16×
lowest -€143,420 (2023)
-€87,488▲ €21,810
peak -€97,020 (2022)
-€437,226▼ €87,488
€1.0m▲ 18.6%
peak 2 FTE (2023)
1.2 FTE▲ 9.1%
Board3 names since 2021
3 directorsHANS STERCK and 2 others
Owners3 names in the annual accounts
Documentsfilings and deeds
27-04-20263 days before the deadline
2025abbreviated format
Gross margin from €1,574 to €24,953Loss of €87,488Staff from 1.1 FTE to 1.2 FTEEquity from -€349,739 to -€437,226Debts from €856,851 to €1.0mCash from €14,117 to €58,531
Key points
from the 2025 annual accountsLosses
-€438,226 in four years
Every financial year from 2022 to 2025 closed with a loss. 2023 was the heaviest.
Turnover
≈ €240,000 estimated
The accounts state no turnover.
Debts
€1.0m 176% of the balance sheet
Suppliers 3%Taxes and wages 2%Other 95%
Of this, €71,801 falls due within a year.
Staff
1 employees on 30-09-2025
In 2025, 49 people joined and 49 left.
Position in the sector
-75.6%
Lower solvency than 95% of companies in retail trade. Sector median 36.6% · 12,852 companies.
Checked score
52
Fair
Financially stronger than 25% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,276 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.2%
01-2025: 4.9%▲ +0.7 percentage points vs 12-2024highest value
02-2025: 4.9%● unchanged vs 01-2025
03-2025: 4.9%● unchanged vs 02-2025
04-2025: 4.9%● unchanged vs 03-2025
05-2025: 3.1%▼ -1.8 percentage points vs 04-2025
06-2025: 2.2%▼ -0.9 percentage points vs 05-2025
07-2025: 2.2%● unchanged vs 06-2025
08-2025: 2.2%● unchanged vs 07-2025
09-2025: 2.2%● unchanged vs 08-2025
10-2025: 2.2%● unchanged vs 09-2025
11-2025: 2.3%▲ +0.1 percentage points vs 10-2025
12-2025: 2.3%● unchanged vs 11-2025
01-2026: 2.3%● unchanged vs 12-2025
02-2026: 2.4%▲ +0.1 percentage points vs 01-2026
03-2026: 2.4%● unchanged vs 02-2026
04-2026: 2.4%● unchanged vs 03-2026
05-2026: 1.9%▼ -0.5 percentage points vs 04-2026lowest value
06-2026: 1.9%● unchanged vs 05-2026lowest value
07-2026: 1.9%● unchanged vs 06-2026lowest value
08-2026: 2.0%▲ +0.1 percentage points vs 07-2026
09-2026: 2.0%● unchanged vs 08-2026
10-2026: 2.0%● unchanged vs 09-2026
11-2026: 2.0%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Negative equity -€437,226
Loss of €87,488, the second in a row (financial year 2025)
Sector: Retail trade (NACE 47)
lowers risk
Founded in 2021
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 68% on liquidity, 6% on profitability and 18% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,008 companies had the same profile as STERCK DESIGN has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STERCK DESIGN itself: 2.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,008 companies, not a prediction for STERCK DESIGN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is ample, with a current ratio of 7.69 (7.71 in 2024), above the usual 1.5. Short-term debt is 12.4% and cash 10.1% of total assets. However, equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€437,226
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 27-04-2026, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
3 days early
2024
1 day early
2023
28 days early
2022
4 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 7 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 28 April (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end08-11-2026 today30-04-2027 deadline
Board and ownership
- STERCK INVEST 60%score 93equity €14.9m (2025) · 30-09-2025 annual accounts of STERCK INVEST
- HANS STERCK 20%equity €1.4m (2025) · 30-06-2024 annual accounts of HANS STERCK
- STIJN STERCK 20%score 92equity €1.2m (2026) · 30-06-2024 annual accounts of STIJN STERCK
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0769872964
Registered office clause: Pierre Corneliskaai 38, 9300 Aalst
Gazette deed
Incorporation
Founding capital of €1,000, 1,000 shares · Founders: Sterck-Invest, STIJN STERCK and HANS STERCK · Appointments: Sterck-Invest, STIJN STERCK and HANS STERCK · published on 23-06-2021 · Gazette deed
First establishment
ark 38, Pierre Corneliskaai 38, Aalst
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STERCK DESIGN Aalst | €0.6m | €24,953 | -75.6% | 1.2 |
| PATOBO Ghent | €0.7m | €70,309 | 32.5% | 1 |
| NEW FEMINA Huy | €1.3m | €30,262 | -16.6% | 1.1 |
| MEUBART-L Diest | €0.8m | €61,067 | 13.1% | 1 |
| STAR MEUBLES Molenbeek-Saint-Jean | €0.6m | €58,474 | 11.5% | 1 |
| VINOME Mons | €0.6m | €14,187 | -14.2% | 2.8 |
| The Dreamy Company Ixelles | €0.7m | €40,151 | 47.2% | 3 |
These companies have the same main activity as STERCK DESIGN: retail sale of household furniture (NACE 47551). They are comparable in size and age: total assets between €569,000 and €1.3m, founded between 2017 and 2020.
Official details
Source: KBO- Status
- Active since 20-06-2021Normal situation
- Activity
- Retail sale of household furnitureNACE 47551and 4 others
- Joint committee
- 201Independent retail · annual accounts 30-09-2025
- Establishment unit
- 2.319.089.2629300 Aalst, since 20-06-2021
- Financial year end
- 30 September
- Peppol
- Reachable since 16-12-2025
Annual accounts to 30-09-2025
- €578,575▲ 14.1%
- Employeeson 30-09-2025
- 1▼ 50.0%
- Filing
- Filed on 27-04-2026, 3 days before the end of the filing period
Insights on STERCK DESIGN
STERCK DESIGN files the abbreviated format. That format states no turnover. The gross margin rose from -€21,641 in 2022 to €24,953 in 2025.
STERCK INVEST holds 60% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STERCK DESIGN
- What is the company number of STERCK DESIGN?
- The company number of STERCK DESIGN is 0769.872.964. The VAT number is the same number with BE in front: BE 0769.872.964.
- Where is STERCK DESIGN based?
- The registered office is at Pierre Corneliskaai 38, 9300 Aalst.Company details
- What does STERCK DESIGN do?
- According to the KBO register, the main activity is retail sale of household furniture (NACE 47551).
- What is the legal form of STERCK DESIGN?
- STERCK DESIGN is a private limited company (BV).
- When was STERCK DESIGN founded?
- STERCK DESIGN was founded on 20-06-2021.
- Is STERCK DESIGN still active?
- Yes, STERCK DESIGN is an active enterprise in the KBO register.
- How many employees does STERCK DESIGN have?
- STERCK DESIGN had an average of 1.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does STERCK DESIGN fall under?
- In its 30-09-2025 annual accounts, STERCK DESIGN states joint committee 201 (Independent retail).
- What is the turnover of STERCK DESIGN?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €24,953 and 84 comparable companies (NACE 475). It probably lies between €120,000 and €500,000. It is a rough estimate.
- Is STERCK DESIGN profitable?
- In financial year 2025, STERCK DESIGN made a loss of €87,488.
- Where can I find the annual accounts of STERCK DESIGN?
- STERCK DESIGN filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STERCK DESIGN due?
- STERCK DESIGN must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
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