STERK.BE
ActiveSTERK.BE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €43k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 95% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-1
Solvency100▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 9.87 against 1.68 in 2024; short-term debt: 4.2% and cash: 13.7% of total assets), and 4.2% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
95.8%
Return on assets
17.7%
Age of the figures
9 mo
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 €233k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
20 d late
2023
20 d late
2022
23 d late
2021
50 d late
2020
51 d late
2019
45 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▲ 22.7%
2024 · €190k
2018: €168k
2019: €208k
2020: €200k
2021: €241k
2022: €218k
2023: €197k
2024: €190k
2018 → 2025
Total assets
€244k▼ 15.9%
2024 · €290k
2018: €299k
2019: €337k
2020: €296k
2021: €308k
2022: €273k
2023: €282k
2024: €290k
2018 → 2025
Net result
€43k▼ 19.2%
2024 · €53k
2018: €25k
2019: €40k
2020: €66k
2021: €42k
2022: €52k
2023: €68k
2024: €53k
2018 → 2025
Working capital
€91k▲ 73.0%
2024 · €53k
2018: €15k
2019: €77k
2020: €26k
2021: €75k
2022: €62k
2023: €78k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€241k-€218k▼ 9.5%€197k▼ 9.9%€190k▼ 3.4%€233k▲ 22.7%
Operating result€60k-€76k▲ 26.5%€96k▲ 25.3%€75k▼ 21.4%€61k▼ 18.9%
Net result€42k-€52k▲ 24.6%€68k▲ 31.5%€53k▼ 22.0%€43k▼ 19.2%
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; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €244k
Fixed assets
€142k▼ 10.7%
Current assets
€102k▼ 22.3%
Equity and liabilities €244k
Equity
€233k▲ 22.7%
Debt
€10k▼ 89.7%
The debt ratio falls from 34.4% to 4.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▼
2024 · €93k
Cash flow
€60k▼
2024 · €72k
Solvency
95.8%▲
2024 · 65.6%
Current ratio
9.87▲
2024 · 1.68
Quick ratio
9.87▲
2024 · 1.68
Debt / equity
0.04▼
2024 · 0.52
ROE
18.5%▼
2024 · 28.1%
ROA
17.7%▼
2024 · 18.4%
Interest coverage
38.93▼
2024 · 50.53
Debt
€10k▼
2024 · €100k
Debt ≤ 1 year
€10k▼
2024 · €78k
Income taxes
€16k▼
2024 · €20k
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€290k€244k▼
Fixed assets21/28€159k€142k▼
Tangible fixed assets22/27€159k€142k▼
Land and buildings22€149k€135k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€62€62=
Current assets29/58€131k€102k▼
Amounts receivable within one year40/41€58k€68k▲
Trade receivables40€16k€19k▲
Other amounts receivable41€42k€49k▲
Cash at bank and in hand54/58€73k€33k▼
Equity and liabilities
Total equity and liabilities10/49€290k€244k▼
Equity10/15€190k€233k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€182k€225k▲
Amounts payable17/49€100k€10k▼
Amounts payable after more than one year17€22k-
Financial debts170/4€22k-
Amounts payable within one year42/48€78k€10k▼
Current portion of amounts payable after more than one year42€6k-
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€29k€9k▼
Taxes450/3€29k€9k▼
Other amounts payable47/48€42k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€20k€21k▲
Gross operating margin9900€113k€99k▼
Operating profit (loss)9901€75k€61k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€73k€59k▼
Income taxes67/77€20k€16k▼
Profit (loss) for the period9904€53k€43k▼
Profit (loss) for the period to be appropriated9905€53k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€242k€225k▼
Profit (loss) brought forward from the previous period14P€189k€182k▼
Profit to be distributed694/7€60k-
Return on contributions (dividend)694€60k-
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Liquidity times 6current ratio 9.87
Current ratio from 1.68 to 9.87; short-term debt falls from €78k to €10k.
31-12
Financial
Equity above €200kEq €233k ▲22.7%
8 profitable years in a row build equity to €233k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Highest result since 2018net €68k ▲31.5%
Operating result €96k, net result €68k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 4.48
Current ratio from 1.64 to 4.48; short-term debt falls from €41k to €22k.
31-12
Financial
Equity above €200kEq €241k ▲20.9%
4 profitable years in a row build equity to €241k.
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 2.93
Current ratio from 1.28 to 2.93; short-term debt falls from €53k to €40k.
31-12
Financial
Equity above €200kEq €208k ▲23.5%
2 profitable years in a row build equity to €208k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
15-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 46 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mortsel
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.
Mayerlei 1862640 MortselGround area
294 m²
Building footprint
84 m²
Volume, LiDAR
592 m³
Parcel 11513C0431/00A002, Flanders · tallest building 8.5 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0431/00A002 | Flanders | 294 m² | 1 · 84 m² | 8.5 m · 3 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
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LUMI Technologies
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SCHOLS NRJ
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energytix
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IQIT
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,293 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2006
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.