STERK
ActiveSummary
STERK has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €32k and a net result of €3k. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 9716 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-23
Solvency100▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.08 against 3.07 in 2023; short-term debt: 22% and cash: 19% of total assets), and 22% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
78%
Return on assets
6.2%
Age of the figures
21 mo
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 17-06-2025, 44 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
44 d early
2022
49 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€32k▲ 8.7%
2023 · €29k
2022: €15k
2023: €29k
2022 → 2024
Total assets
€41k▲ 0.3%
2023 · €41k
2022: €27k
2023: €41k
2022 → 2024
Net result
€3k▼ 82.1%
2023 · €14k
2022: €15k
2023: €14k
2022 → 2024
Working capital
€19k▼ 20.7%
2023 · €24k
2022: €12k
2023: €24k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€15k-€29k▲ 93.6%€32k▲ 8.7%
Operating result€24k-€21k▼ 11.6%€10k▼ 50.6%
Net result€15k-€14k▼ 5.8%€3k▼ 82.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 51% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €41k
Fixed assets
€13k ▲ 130%
Current assets
€28k ▼ 20.9%
Equity and liabilities €41k
Equity
€32k ▲ 8.7%
Debt
€9k ▼ 21.2%
Debt's share of the balance-sheet total falls from 28.0% to 22.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▼
2023 · €23k
Cash flow
€5k▼
2023 · €16k
Current ratio
3.08▲
2023 · 3.07
Debt to equity
0.28▼
2023 · 0.39
ROE
8.0%▼
2023 · 48.3%
ROA
6.2%▼
2023 · 34.8%
Interest coverage
6.61▼
2023 · 20.26
Debt ≤ 1 year
€9k▼
2023 · €11k
Income taxes
€6k▲
2023 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet
Code20232024
Assets
Total assets20/58€41k€41k▲
Fixed assets21/28€6k€13k▲
Tangible fixed assets22/27€5k€11k▲
Furniture and vehicles24€5k€5k▼
Other tangible fixed assets26-€7k
Financial fixed assets28€534€2k▲
Current assets29/58€35k€28k▼
Amounts receivable within one year40/41€3k€14k▲
Trade receivables40-€14k
Other amounts receivable41€3k-
Cash at bank and in hand54/58€30k€8k▼
Deferred charges and accrued income490/1€1k€6k▲
Equity and liabilities
Total equity and liabilities10/49€41k€41k▲
Equity10/15€29k€32k▲
Contributions10/11€100€100=
Reserves13€29k€32k▲
Distributable reserves133€29k€32k▲
Amounts payable17/49€11k€9k▼
Amounts payable within one year42/48€11k€9k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48€3k€697▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€10k▲
Non-recurring operating charges66A€148-
Gross operating margin9900€25k€23k▼
Operating profit (loss)9901€21k€10k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€20k€8k▼
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€14k€3k▼
Profit (loss) for the period to be appropriated9905€14k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€3k▼
Transfer to equity691/2€14k€3k▼
To other reserves6921€14k€3k▼
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
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼82.1%
Net result drops to €3k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 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.
Moonsstraat 162018 AntwerpenGround area
122 m²
Building footprint
80 m²
Volume, LiDAR
794 m³
Parcel 11810K1747/00X003, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
STERK
since 20212.324.323.995
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1747/00X003 | Flanders | 122 m² | 1 · 80 m² | 14.1 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 708 EUR awarded · 708 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 225 EUR | 225 EUR |
| 2024 | 1 | 420 EUR | 420 EUR |
| 2022 | 1 | 63 EUR | 63 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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DE CORRECTOR
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YVOIRE
BE 0883.653.964
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VAN GEERTRUY JACOBUS 1756
BE 0436.677.172
Temse · Eq €32,024
Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 4,455 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:sterkthomas@hotmail.com