SterHo
ActiveSterHo has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €265k and a net result of €48k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 54% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-19
Solvency60▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 3.25 in 2024; short-term debt: 12.7% and cash: 5.1% of total assets), and 64.9% 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○neutral
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 →
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
35.1%
Return on assets
6.3%
Age of the figures
9 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €265k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
6 d early
2023
65 d early
2022
20 d early
2021
30 d late
2020
37 d early
2019
1 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€265k▲ 22.0%
2024 · €217k
2018: €13k
2019: €15k
2020: €20k
2021: €25k
2022: €29k
2023: €112k
2024: €217k
2018 → 2025
Total assets
€755k▲ 54.3%
2024 · €489k
2018: €343k
2019: €327k
2020: €252k
2021: €208k
2022: €193k
2023: €397k
2024: €489k
2018 → 2025
Net result
€48k▼ 54.4%
2024 · €105k
2018: €3k
2019: €2k
2020: €5k
2021: €6k
2022: €4k
2023: €83k
2024: €105k
2018 → 2025
Working capital
€45k▼ 80.6%
2024 · €233k
2018: €33k
2019: €46k
2020: €1k
2021: €-13k
2022: €-523
2023: €41k
2024: €233k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€29k▲ 15.3%€112k▲ 285%€217k▲ 93.4%€265k▲ 22.0%
Operating result€11k-€10k▼ 15.8%€128k▲ 1,224%€160k▲ 24.7%€76k▼ 52.4%
Net result€6k-€4k▼ 29.5%€83k▲ 2,044%€105k▲ 26.3%€48k▼ 54.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €755k
Fixed assets
€614k▲ 300%
Current assets
€141k▼ 58.1%
Equity and liabilities €755k
Equity
€265k▲ 22.0%
Debt
€490k▲ 80.0%
The debt ratio rises from 55.6% to 64.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€118k▼
2024 · €194k
Cash flow
€90k▼
2024 · €139k
Solvency
35.1%▼
2024 · 44.4%
Current ratio
1.47▼
2024 · 3.25
Quick ratio
0.71▼
2024 · 2.49
Debt / equity
1.85▲
2024 · 1.25
ROE
18.1%▼
2024 · 48.3%
ROA
6.3%▼
2024 · 21.5%
Interest coverage
15.85▼
2024 · 35.25
Debt
€490k▲
2024 · €272k
Debt ≤ 1 year
€96k▼
2024 · €103k
Debt > 1 year
€394k▲
2024 · €169k
Income taxes
€21k▼
2024 · €49k
Staff costs
€0▲
2024 · €-70
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€489k€755k▲
Fixed assets21/28€153k€614k▲
Intangible fixed assets21€18k€16k▼
Tangible fixed assets22/27€135k€598k▲
Land and buildings22€129k€590k▲
Plant, machinery and equipment23€6k€8k▲
Furniture and vehicles24€369€0▼
Current assets29/58€336k€141k▼
Stocks and contracts in progress3€79k€73k▼
Stocks30/36€79k€73k▼
Amounts receivable within one year40/41€103k€19k▼
Trade receivables40€96k€10k▼
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€154k€39k▼
Deferred charges and accrued income490/1€124€10k▲
Equity and liabilities
Total equity and liabilities10/49€489k€755k▲
Equity10/15€217k€265k▲
Contributions10/11€30k€30k=
Reserves13€187k€235k▲
Distributable reserves133€187k€235k▲
Amounts payable17/49€272k€490k▲
Amounts payable after more than one year17€169k€394k▲
Financial debts170/4€59k€92k▲
Other amounts payable178/9€110k€302k▲
Amounts payable within one year42/48€103k€96k▼
Current portion of amounts payable after more than one year42€22k€44k▲
Trade debts44€57k€1k▼
Suppliers440/4€57k€1k▼
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€18k€46k▲
Income statement
Code20242025
Remuneration, social security and pensions62€-70€0▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€42k▲
Other operating charges640/8€8k€16k▲
Gross operating margin9900€202k€134k▼
Operating profit (loss)9901€160k€76k▼
Financial income75/76B€36€19▼
Recurring financial income75€36€19▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€154k€69k▼
Income taxes67/77€49k€21k▼
Profit (loss) for the period9904€105k€48k▼
Profit (loss) for the period to be appropriated9905€105k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€48k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€105k€48k▼
To other reserves6921€105k€48k▼
The notes to these accounts (13 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €105k ▲26.3%
Operating result €160k, net result €105k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.25
Current ratio from 1.22 to 3.25; short-term debt falls from €188k to €103k.
31-12
Financial
Equity above €200kEq €217k ▲93.4%
7 profitable years in a row build equity to €217k.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €112k ▲285%
6 profitable years in a row build equity to €112k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €2k ▼45.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 86 days late
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 143 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zonhoven · 1 establishment unit since 2011
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.
Saarbroekweg 30 A3520 ZonhovenGround area
702 m²
Building footprint
701 m²
Volume, LiDAR
3,126 m³
Parcel 71443E0498/00S000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SterHo
since 20112.198.061.669
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443E0498/00S000 | Flanders | 702 m² | 1 · 701 m² | 6.4 m · 1 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
PHAM
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BAUHAUS REAL ESTATE
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Newmo Westerlo
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TSV INVEST
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Retie · Eq €265k
Of 12,018 companies in sector 68203 we hold annual accounts for 5,984. 4,365 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2011
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
01430Raising of horses and other equines
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68201Renting and operating of own or leased residential real estate, excluding social housing
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.