Summary
STERLOO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €532,551 and a net result of €166,316. Equity remains stable across the filed financial years (±0.8% per year). Its solvency ranks better than 68% of 9,723 sector peers (NACE 64, financial year 2025). The company has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
Equity
€532,551▼ 24.1%
2024 · €701,236
Net result
€166,316▼ 59.0%
2024 · €405,875
Total assets
€750,681▼ 14.3%
2024 · €875,506
Solvency
70.9%▼ 9.2pp
2024 · 80.1%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 65% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€187,800
2025
Net result€166,316
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€750,681
2025
Equity€532,551
2025
Debt€91,051
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€446,004
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)22.2%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency70.9%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio5.94
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result-€7,433-€2,518€3,244▲ 28.8%-€2,859-€24,208▼ 747%-€24,627▼ 1.7%€532,645€187,800▼ 64.7%
Net result-€7,448-€2,503€3,223within the sector's middle half▲ 28.8%-€2,880below the sector's middle half-€24,235below the sector's middle half▼ 741%-€24,772below the sector's middle half▼ 2.2%€405,875above the sector's middle half€166,316above the sector's middle half▼ 59.0%
Equity€341,522-€344,025▲ 0.7%€347,248within the sector's middle half▲ 0.9%€344,368within the sector's middle half▼ 0.8%€320,133within the sector's middle half▼ 7.0%€295,361within the sector's middle half▼ 7.7%€701,236above the sector's middle half▲ 137%€532,551above the sector's middle half▼ 24.1%
Total assets€445,752-€434,704▼ 2.5%€425,364within the sector's middle half▼ 2.1%€424,548within the sector's middle half▼ 0.2%€431,903within the sector's middle half▲ 1.7%€404,041within the sector's middle half▼ 6.5%€875,506within the sector's middle half▲ 117%€750,681within the sector's middle half▼ 14.3%
Debt€104,230-€90,680▼ 13.0%€78,116▼ 13.9%€80,180▲ 2.6%€111,770▲ 39.4%€108,680▼ 2.8%€47,192▼ 56.6%€91,051▲ 92.9%
Working capital-€102,564--€89,155▲ 13.1%-€75,026below the sector's middle half▲ 15.8%-€68,500below the sector's middle half▲ 8.7%-€95,052below the sector's middle half▼ 38.8%-€107,804below the sector's middle half▼ 13.4%€489,241above the sector's middle half€446,004above the sector's middle half▼ 8.8%
Solvency76.6%-79.1%▲ 2.5pp81.6%above the sector's middle half▲ 2.5pp81.1%above the sector's middle half▼ 0.5pp74.1%within the sector's middle half▼ 7.0pp73.1%within the sector's middle half▼ 1.0pp80.1%above the sector's middle half▲ 7.0pp70.9%within the sector's middle half▼ 9.2pp
Current ratio0.00-0.00=0.02below the sector's middle half▲ 0.020.15below the sector's middle half▲ 0.120.13below the sector's middle half▼ 0.010.01below the sector's middle half▼ 0.1311.56above the sector's middle half▲ 11.555.94above the sector's middle half▼ 5.62
Return on assets (ROA)-1.7%-0.6%▲ 2.2pp0.8%within the sector's middle half▲ 0.2pp-0.7%below the sector's middle half▼ 1.4pp-5.6%below the sector's middle half▼ 4.9pp-6.1%below the sector's middle half▼ 0.5pp46.4%above the sector's middle half▲ 52.5pp22.2%within the sector's middle half▼ 24.2pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €750,681
Fixed assets
€214,362 ▼ 36.9%
Current assets
€536,319 ▲ 0.1%
Equity and liabilities €750,681
Equity
€532,551 ▼ 24.1%
Provisions
€127,078 =
Debt
€91,051 ▲ 92.9%
Debt's share of the balance-sheet total rises from 5.4% to 12.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
31.2%▼
2024 · 57.9%
Debt ≤ 1 year
€90,315▲
2024 · €46,337
Income taxes
€21,785
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | €523,335 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,906 | €10,906 | €10,906 | €10,906 | €12,754 | €14,020 | €355 | €3,053 | ▲ 761% |
| Other operating charges640/8 | - | - | - | €2,012 | €4,816 | €2,274 | €2,465 | €795 | ▼ 67.7% |
| Gross operating margin9900 | €5,947 | €15,927 | €16,165 | €10,059 | -€6,638 | -€8,332 | €535,465 | €191,648 | ▼ 64.2% |
| Operating profit (loss)9901 | -€7,433 | €2,518 | €3,244 | -€2,859 | -€24,208 | -€24,627 | €532,645 | €187,800 | ▼ 64.7% |
| Financial income75/76B | - | - | - | - | - | - | €473 | €496 | ▲ 4.8% |
| Recurring financial income75 | - | - | - | - | - | - | €473 | €496 | ▲ 4.8% |
| Financial charges65/66B | - | - | - | €21 | €27 | €145 | €166 | €196 | ▲ 18.3% |
| Recurring financial charges65 | €15 | €15 | €21 | €21 | €27 | €145 | €166 | €196 | ▲ 18.3% |
| Profit (loss) for the period before taxes9903 | -€7,448 | €2,503 | €3,223 | -€2,880 | -€24,235 | -€24,772 | €532,953 | €188,100 | ▼ 64.7% |
| Transfer to deferred taxes680 | - | - | - | - | - | - | €127,078 | - | - |
| Income taxes67/77 | - | - | - | - | - | - | - | €21,785 | - |
| Profit (loss) for the period9904 | -€7,448 | €2,503 | €3,223 | -€2,880 | -€24,235 | -€24,772 | €405,875 | €166,316 | ▼ 59.0% |
| Transfer to tax-exempt reserves689 | - | - | - | - | - | - | €381,235 | - | - |
| Profit (loss) for the period to be appropriated9905 | -€7,448 | €2,503 | €3,223 | -€2,880 | -€24,235 | -€24,772 | €24,639 | €166,316 | ▲ 575% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €445,752 | €434,704 | €425,364 | €424,548 | €431,903 | €404,041 | €875,506 | €750,681 | ▼ 14.3% |
| Fixed assets21/28 | €445,586 | €434,680 | €423,774 | €412,868 | €417,185 | €403,165 | €339,928 | €214,362 | ▼ 36.9% |
| Tangible fixed assets22/27 | €445,586 | €434,680 | €423,774 | €412,868 | €415,685 | €401,665 | €338,428 | €212,862 | ▼ 37.1% |
| Land and buildings22 | - | - | - | €412,868 | €401,962 | €391,056 | €335,000 | €160,000 | ▼ 52.2% |
| Furniture and vehicles24 | - | - | - | - | - | - | - | €52,862 | - |
| Other tangible fixed assets26 | - | - | - | - | €13,724 | €10,609 | €3,428 | - | - |
| Financial fixed assets28 | - | - | - | - | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Current assets29/58 | €166 | €25 | €1,590 | €11,680 | €14,718 | €876 | €535,578 | €536,319 | ▲ 0.1% |
| Stocks and contracts in progress3 | - | - | - | - | - | - | €411,446 | - | - |
| Stocks30/36 | - | - | - | - | - | - | €411,446 | - | - |
| Amounts receivable within one year40/41 | - | - | - | - | - | - | €14,662 | €27,842 | ▲ 89.9% |
| Trade receivables40 | - | - | - | - | - | - | €14,520 | €27,700 | ▲ 90.8% |
| Other amounts receivable41 | - | - | - | - | - | - | €142 | €142 | = |
| Cash at bank and in hand54/58 | €166 | €25 | €1,590 | €11,680 | €10,218 | €876 | €109,470 | €506,356 | ▲ 363% |
| Deferred charges and accrued income490/1 | - | - | - | - | €4,500 | - | - | €2,121 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €445,752 | €434,704 | €425,364 | €424,548 | €431,903 | €404,041 | €875,506 | €750,681 | ▼ 14.3% |
| Equity10/15 | €341,522 | €344,025 | €347,248 | €344,368 | €320,133 | €295,361 | €701,236 | €532,551 | ▼ 24.1% |
| Contributions10/11 | €397,000 | €397,000 | €397,000 | €397,000 | €397,000 | €397,000 | €397,000 | €62,000 | ▼ 84.4% |
| Capital10 | - | - | - | €397,000 | €397,000 | €397,000 | €397,000 | €62,000 | ▼ 84.4% |
| Issued capital100 | - | - | - | €397,000 | €397,000 | €397,000 | €397,000 | €62,000 | ▼ 84.4% |
| Reserves13 | - | - | - | - | - | - | €381,235 | €469,555 | ▲ 23.2% |
| Non-distributable reserves130/1 | - | - | - | - | - | - | - | €6,200 | - |
| Legal reserve130 | - | - | - | - | - | - | - | €6,200 | - |
| Tax-exempt reserves132 | - | - | - | - | - | - | €381,235 | €381,235 | = |
| Distributable reserves133 | - | - | - | - | - | - | - | €82,120 | - |
| Profit (loss) carried forward14 | -€55,478 | -€52,975 | -€49,752 | -€52,632 | -€76,867 | -€101,639 | -€77,000 | €996 | - |
| Provisions and deferred taxes16 | - | - | - | - | - | - | €127,078 | €127,078 | = |
| Deferred taxes168 | - | - | - | - | - | - | €127,078 | €127,078 | = |
| Amounts payable17/49 | €104,230 | €90,680 | €78,116 | €80,180 | €111,770 | €108,680 | €47,192 | €91,051 | ▲ 92.9% |
| Amounts payable within one year42/48 | €102,730 | €89,180 | €76,616 | €80,180 | €109,770 | €108,680 | €46,337 | €90,315 | ▲ 94.9% |
| Trade debts44 | - | - | €1,936 | - | €2,590 | - | €34,729 | - | - |
| Suppliers440/4 | - | - | - | - | €2,590 | - | €34,729 | - | - |
| Taxes, remuneration and social security45 | - | - | - | - | - | - | €11,438 | €89,744 | ▲ 685% |
| Taxes450/3 | - | - | - | - | - | - | €11,438 | €89,744 | ▲ 685% |
| Other amounts payable47/48 | - | - | - | €80,180 | €107,180 | €108,680 | €170 | €571 | ▲ 236% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2,000 | - | €855 | €736 | ▼ 13.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,448 | €2,503 | €3,223 | -€2,880 | -€24,235 | -€24,772 | €405,875 | €166,316 | ▼ 59.0% |
| + Depreciation and write-downs630 | €10,906 | €10,906 | €10,906 | €10,906 | €12,754 | €14,020 | €355 | €3,053 | ▲ 761% |
| Operating cash flow (approximation) | €3,458 | €13,409 | €14,129 | €8,026 | -€11,481 | -€10,752 | €406,229 | €169,369 | ▼ 58.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€17,072 | €0 | €62,882 | €122,513 | ▲ 94.8% |
| Change in cash | - | -€141 | €1,565 | €10,090 | -€1,462 | -€9,342 | €108,594 | €396,886 | ▲ 265% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 33 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 09-06-2026 | 2026-00145552 |
| 31-12-2024 | micro format | 10-06-2025 | 2025-00127106 |
| 31-12-2023 | micro format | 10-06-2024 | 2024-00117582 |
| 31-12-2022 | micro format | 15-06-2023 | 2023-00127480 |
| 31-12-2021 | micro format | 14-06-2022 | 2022-20060801 |
| 31-12-2020 | micro format | 08-06-2021 | 2021-17800084 |
| 31-12-2019 | micro format | 09-06-2020 | 2020-15200598 |
| 31-12-2018 | micro format | 13-06-2019 | 2019-17700554 |
| 31-12-2017 | micro format | 12-06-2018 | 2018-17300060 |
| 31-12-2016 | micro format | 20-06-2017 | 2017-18400164 |
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Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.