From the official registers: KBO 33 annual accounts at the National Bank publications in the Belgian Official Gazette
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 has been stable since 2018 (±0.8% per year). Its solvency ranks better than 68% of 9,750 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.
Overview
Overview
Official details
KBO- Status
- Active since 01-10-1992 Normal situation
- Activity
- Activities of holding companies NACE 64210and 5 others
- Establishment unit
- 2.059.546.956 2000 Antwerpen, since 17-11-1992
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Financial position
- Profit
- €166,316
- ▼ 59.0%
- Equity
- €532,551
- ▼ 24.1%
- Total assets
- €750,681
- ▼ 14.3%
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
The company filed its last 7 accounts on average 50 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
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Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 09-06-2026 PDF all 33 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 65% lower than in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Comparable companies
These companies have the same main activity as STERLOO: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €666,000 and €963,000, founded between 1991 and 1996.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| STERLOO Antwerpen | 1992 | €750,681 | €532,551 | €191,648 | €166,316 | - | 2025 |
| CHEMINVEST Brecht | 1992 | €783,120 | €460,998 | €207,758 | -€2,334 | - | 2025 |
| VINDI Bornem | 1994 | €697,222 | €662,423 | €211,471 | €122,336 | - | 2025 |
| STALEDY Stabroek | 1991 | €943,495 | €906,540 | €194,986 | €176,272 | - | 2025 |
| Agnes Management en Investering Groep voor Ondernemingen Antwerpen | 1991 | €962,766 | €852,204 | €204,410 | €79,240 | 1.7 | 2025 |
| LUANS Dilsen-Stokkem | 1996 | €757,706 | €85,192 | €192,289 | €21,787 | - | 2025 |
| CHRISTIMMO Oostende | 1993 | €666,264 | €430,577 | €161,402 | €87,565 | - | 2025 |
They were chosen from the 20,097 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
| 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% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 33 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 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 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 19-08-2025 Capital reduction of €335,000 · to €62,000 · repaid to the shareholders
Mandate history
- Board
- Day-to-day management
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| Dimme Van Mechelen |
|
| Ria Sterkens |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Algemene vergadering, bestuursorgaan”“3, algemene vergadering”“Enige bestuurder”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Aanzuivering schulden, lasten en kosten of consignatie nodige gelden, bijkomende stortingen of voorafgaande terugbetalingen”
Articles of association, deed of 19-08-2025 (in Dutch)
Network & group
Connections & network
See the function holders in the KBO register.
Timeline
Acts, filings and financial milestones
19-08
Gazette deed
Resignations: Ria Sterkens (director) and Dimme Van Mechelen (director)Reappointments: Ria Sterkens (director) and Dimme Van Mechelen (director) · Appointments: Ria Sterkens (afgevaardigde/dagelijkse bestuurder) and Dimme Van Mechelen (afgevaardigde/dagelijkse bestuurder) · Capital decrease20 points ▸
- General meeting, 13-08-2025
- Capital decrease, €335,000
- Capital, €62,000
- Director resignation, Ria Sterkens (director)
- Director resignation, Dimme Van Mechelen (director)
- Director discharge, Ria Sterkens, mentioned 2 times in the deed
- Director discharge, Dimme Van Mechelen
- Director reappointment, Ria Sterkens (director)
- Director reappointment, Dimme Van Mechelen (director)
- Correction, “onvolledige bekendmaking statutenwijziging van 2022-06-22, notaris recht te zetten naar aanleiding neerlegging en bekendmaking onderhavige akte” (deed in Dutch)
- Board meeting, 13-08-2025
- Director resignation, Ria Sterkens (afgevaardigde/dagelijkse bestuurder)
- The act holds 8 more points.
23-06
Gazette deed
Registered officeRegistered-office move3 points ▸
- General meeting, 22-06-2022
- Board meeting, “bestuursorgaan” (deed in Dutch)
- Registered-office move, 2990 Wuustwezel,Bosduinstraat 289
01-07
Gazette deed
Reappointments: Ria Sterkens (director) and Dimme Van Mechelen (director)Amendment of the articles · Power of attorney10 points ▸
- General meeting, “unanimiteit van stemmen, buitengewone algemene vergadering” (deed in Dutch)
- Amendment of the articles, mentioned 2 times in the deed
- Other provision, “adres van de zetel”, 3 (deed in Dutch)
- General meeting, 03-06-2022
- Director reappointment, Ria Sterkens (director)
- Director reappointment, Dimme Van Mechelen (director)
- Board meeting, “onmiddellijk daarop, raad van bestuur” (deed in Dutch)
- Director reappointment, Ria Sterkens (afgevaardigd bestuurder)
- Power of attorney
- Other provision, “volmacht voor de administratieve formaliteiten”, 2 (deed in Dutch)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0448.346.866
Financial year and general meeting
Accounts at the NBBEnvironmental permits
Source: Omgevingsloket Vlaanderen.
Sites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11802B0045/00C005 | Flanders | 4,448 m² | 1 · 274 m² | 22.0 m · 7 |
1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.