Equity
€1.4m ▲ 1.2%
STERCK INVEST has made a profit without a break since 2018.
STERCK INVEST
Lifetime
20 annual accounts with figures on one time axis, 37 filings since 1989peak €839,728 (2020)
€5,277▼ 69.6%
lowest -€6,825 (2017)
€16,091▼ 0.6%
peak €1.4m (2025)
€1.4m▲ 1.2%
€32,600▲ 4.4%
peak 0.5 FTE (2006)
-not published
Board4 names since 2019
3 directorsKatleen Sterck and 2 others
Documentsfilings and deeds
31-07-2026on the last day
2025abbreviated format
Gross margin from €17,360 to €5,2773 directors reappointed 02-10Cash from €271,896 to €14,159
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 48% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025lowest value
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025highest value
10-2025: 0.1%▼ -0.1 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
1 of the last 3 accounts late
Liquidity: current ratio 37.52, cash €14,159, halved
lowers risk
Size: total assets €1.4m
Equity €1.4m (97.7% of total assets)
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 (no NACE code, micro). It does better than 81% of them on solvency, 43% on liquidity, 17% on profitability and 52% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 14,766 companies had the same profile as STERCK INVEST has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STERCK INVEST itself: 0.1% 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 14,766 companies, not a prediction for STERCK INVEST. 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
Credit of up to €130,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 37.52 (38.33 in 2024), above the usual 1.5. Short-term debt is 2.3% and cash 1% of total assets. 2.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
31 days late
2023
30 days late
2022
31 days late
2021
31 days late
2020
31 days late
2019
87 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 34 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
3 directors reappointed
Stefaan Sterck, Peter Sterck and Katleen Sterck · Permanent representative: Tom Verstraeten · General meeting of 30-06-2025 · Gazette deed
3 directors appointed, 1 resignation
Resignation: HENDRICKX Rosette (managing director) · Appointments: STERCK Stefaan, STERCK Peter and STERCK Katleen · Board meeting of 14-05-2020 · Gazette deed
4 directors reappointed
Hendrickx Rosette (managing director), Sterck Stefaan, Sterck Peter and Sterck Katleen · General meeting of 05-04-2019 · Gazette deed
First establishment
NV STERCK INVEST, Vlaanderenlaan 17, Dilbeek
Official details
Source: KBO- Status
- Active since 27-02-1989Normal situation
- Activity
- No activity registered in the KBO
- Establishment unit
- 2.043.634.1071700 Dilbeek, since 06-06-1989
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €1.4m▲ 1.2%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on STERCK INVEST
STERCK INVEST files the abbreviated format. That format states no turnover. The gross margin fell from €31,644 in 2006 to €5,277 in 2025.
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 INVEST
- What is the company number of STERCK INVEST?
- The company number of STERCK INVEST is 0436.904.331. The VAT number is the same number with BE in front: BE 0436.904.331.
- Where is STERCK INVEST based?
- The registered office is at Vlaanderenlaan 17, 1700 Dilbeek.Company details
- What is the legal form of STERCK INVEST?
- STERCK INVEST is a public limited company (NV).
- When was STERCK INVEST founded?
- STERCK INVEST was founded on 27-02-1989.
- Is STERCK INVEST still active?
- Yes, STERCK INVEST is an active enterprise in the KBO register.
- What is the turnover of STERCK INVEST?
- The turnover in financial year 2025 is ≈ €36,000. This figure is estimated from the gross margin of €5,277 and 2,728 comparable companies of the same size. It probably lies between €15,000 and €89,000. It is a rough estimate.Financials
- Is STERCK INVEST profitable?
- In financial year 2025, STERCK INVEST made a profit of €16,091.
- Where can I find the annual accounts of STERCK INVEST?
- STERCK INVEST filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STERCK INVEST due?
- STERCK INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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