STERCOLOR
ActiveThe computed 12-month bankruptcy probability of STERCOLOR is 2.5% (moderate). The 2025 annual accounts show equity of €19k and a net result of €713. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 32% of 27787 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+5
Solvency56▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 1.38 in 2024; short-term debt: 65.1% and cash: 39.2% of total assets), and 69.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
30.9%
Return on assets
1.1%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
4 d early
2024
28 d late
2023
30 d late
2022
29 d late
2021
27 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 3.8%
2024 · €19k
2021: €12k
2022: €19k
2023: €21k
2024: €19k
2021 → 2025
Total assets
€62k▼ 6.0%
2024 · €66k
2021: €18k
2022: €64k
2023: €69k
2024: €66k
2021 → 2025
Net result
€713
2024 · €-2k
2021: €7k
2022: €7k
2023: €2k
2024: €-2k
2021 → 2025
Working capital
€14k▲ 10.3%
2024 · €13k
2021: €12k
2022: €8k
2023: €13k
2024: €13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€19k▲ 60.3%€21k▲ 8.3%€19k▼ 10.6%€19k▲ 3.8%
Operating result€9k-€10k▲ 11.3%€6k▼ 41.0%€2k▼ 72.6%€3k▲ 72.2%
Net result€7k-€7k▲ 3.6%€2k▼ 77.9%€-2k€713
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€8k▼ 62.1%
Current assets
€55k▲ 19.6%
Equity and liabilities €62k
Equity
€19k▲ 3.8%
Debt
€43k▼ 9.8%
The debt ratio falls from 72.1% to 69.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €15k
Cash flow
€16k▲
2024 · €11k
Solvency
30.9%▲
2024 · 27.9%
Current ratio
1.34▼
2024 · 1.38
Quick ratio
1.34▼
2024 · 1.38
Debt / equity
2.24▼
2024 · 2.58
ROE
3.7%▲
2024 · -11.8%
ROA
1.1%▲
2024 · -3.3%
Interest coverage
14.87▲
2024 · 10.36
Debt
€43k▼
2024 · €48k
Debt ≤ 1 year
€41k▲
2024 · €33k
Debt > 1 year
€3k▼
2024 · €15k
Income taxes
€753▼
2024 · €2k
Staff costs
€105k▲
2024 · €51k
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€66k€62k▼
Fixed assets21/28€21k€8k▼
Tangible fixed assets22/27€21k€8k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€21k€6k▼
Current assets29/58€46k€55k▲
Amounts receivable within one year40/41€20k€27k▲
Trade receivables40€17k€23k▲
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€26k€24k▼
Deferred charges and accrued income490/1€377€3k▲
Equity and liabilities
Total equity and liabilities10/49€66k€62k▼
Equity10/15€19k€19k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€14k€14k▲
Amounts payable17/49€48k€43k▼
Amounts payable after more than one year17€15k€3k▼
Financial debts170/4€15k€3k▼
Amounts payable within one year42/48€33k€41k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€9k€12k▲
Suppliers440/4€9k€12k▲
Taxes, remuneration and social security45€11k€15k▲
Taxes450/3€5k€688▼
Remuneration and social security454/9€6k€14k▲
Other amounts payable47/48€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€51k€105k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€68k€124k▲
Operating profit (loss)9901€2k€3k▲
Financial income75/76B€11€0▼
Recurring financial income75€11€0▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€116€1k▲
Income taxes67/77€2k€753▼
Profit (loss) for the period9904€-2k€713▲
Profit (loss) for the period to be appropriated9905€-2k€713▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€14k▲
Profit (loss) brought forward from the previous period14P€16k€14k▼
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €713
Net result €713 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼238%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2021net €7k ▲3.6%
Operating result €10k, net result €7k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Ans · 1 establishment unit since 2021
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.
Rue de Lantin 314432 AnsGround area
651 m²
Building footprint
77 m²
Volume, LiDAR
480 m³
Parcel 62001B0140/00M000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STERCOLOR
since 20212.322.362.023
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62001B0140/00M000 | Wallonia | 651 m² | 1 · 77 m² | 8.2 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.
Similar companies · same sector, comparable size
Interpaints
BE 0830.786.885
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BABOUW CONSTRUCT
BE 0477.345.017
Koekelberg · Eq €19k
OM GROUP
BE 0788.804.889
Zaventem · Eq €19k
Schilderwerken Feyen
BE 0783.759.802
Ternat · Eq €19k
Viaene Projectafwerking
BE 0546.950.039
Sint-Niklaas · Eq €19k
Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-08-2021
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43331Floor and wall tiling
43342Specialised construction activities
43992Specialised construction activities
47526Retail trade
74104Other professional, scientific and technical activities
74130Interior design
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.