STERNE
The computed 12-month bankruptcy probability of STERNE is 4.7% (elevated). The 2024 annual accounts show equity of €11k and a net result of €-5k. Equity is growing by ~61.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 26062 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €11k |
| Net result | €-5k |
| Better than sector | 52% |
| Active | 5 yrs |
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 34.1% | 32.3% | |
| Net result | €-5k | €4k | |
| Equity | €11k | €39k | |
| Gross operating margin | €54k | €31k | |
| Staff costs | €2k | €38k |
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €2k | €16k | €17k | €3k |
| Net profit | €-5k | €8k | €9k | €-4k |
| Cash flow | €-2k | €16k | €17k | €3k |
| Staff costs | €2k | - | - | - |
| Income taxes | €1k | - | - | - |
| Dividends | - | - | - | - |
| Total assets | €31k | €25k | €18k | €22k |
| Equity | €11k | €16k | €8k | €-848 |
| Debt | €20k | €9k | €10k | €23k |
| of which ≤ 1y | €20k | €2k | €3k | €8k |
| of which > 1y | - | €8k | €7k | €15k |
| Working capital | €10k | €21k | €4k | €438 |
| Employees (FTE) | - | - | - | - |
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Current ratio | 1.51 | 12.90 | 2.33 | 1.05 |
| Quick ratio | 1.35 | 5.09 | 2.33 | 1.05 |
| Working capital ratio | 33.8% | 82.7% | 21.9% | 2.0% |
| Solvency | 34.1% | 62.4% | 43.9% | -3.8% |
| Debt / equity | 1.93 | 0.60 | 1.28 | -27.09 |
| Long-term debt ratio | - | 0.49 | 0.90 | -17.28 |
| Interest coverage | 0.59 | 168.52 | 357.30 | 27.57 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -14.7% | 30.6% | 48.6% | -17.4% |
| ROE | -43.2% | 49.0% | 110.7% | 453.9% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Full annual accounts (27 line items)
| Line item | Code | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €31k | €25k | €18k | €22k |
| Fixed assets | 21/28 | €97 | €2k | €11k | €13k |
| Formation expenses | 20 | - | €367 | €550 | €734 |
| Intangible fixed assets | 21 | - | €0 | €0 | €0 |
| Tangible fixed assets | 22/27 | - | €2k | €10k | €13k |
| Financial fixed assets | 28 | €97 | €97 | €97 | €97 |
| Current assets | 29/58 | €31k | €22k | €7k | €9k |
| Stocks & contracts in progress | 3 | €3k | €13k | - | - |
| Amounts receivable within one year | 40/41 | €19k | €4k | €3k | €6k |
| Cash & bank | 54/58 | €9k | €4k | €4k | €3k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €31k | €25k | €18k | €22k |
| Equity | 10/15 | €11k | €16k | €8k | €-848 |
| Contributions / capital | 10/11 | €3k | €3k | €3k | €3k |
| Reserves | 13 | €1k | €1k | €1k | - |
| Accumulated profits (losses) | 14 | €7k | €12k | €4k | €-4k |
| Amounts payable | 17/49 | €20k | €9k | €10k | €23k |
| Amounts payable after one year | 17 | - | €8k | €7k | €15k |
| Amounts payable within one year | 42/48 | €20k | €2k | €3k | €8k |
| Trade debts payable within one year | 44 | €5k | €2k | €2k | €5k |
| Income statement | |||||
| Gross operating margin | 9900 | €54k | €18k | €20k | €5k |
| Operating result | 9901 | €-894 | €8k | €9k | €-4k |
| Financial income | 75 | €139 | €46 | - | €97 |
| Financial charges | 65 | €3k | €96 | €49 | €94 |
| Result before taxes | 9903 | €-3k | €8k | €9k | €-4k |
| Income taxes | 67/77 | €1k | - | - | - |
| Net result for the period | 9904 | €-5k | €8k | €9k | €-4k |
| Result to be appropriated | 9905 | €-5k | €8k | €9k | €-4k |
Former directors (1)
-
Former- → 05-12-2025
| NACE primary | Other non-specialised retail sale(47120) |
| Legal form | Private limited company(610) |
| Incorporation | 15-01-2021 |
| Status | Active |
| Postal code | 1020 |
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816C0252/00G011 | Brussels | 3,696 m² | 1 · 1,282 m² | 22.9 m · 5 fl. |
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
09-01-2026 Registered office moved from Saint Gilles to Laeken
- rue Theodore Verhaegen 202, 1060 Saint Gilles → avenue Jean Sobieski 21, 1020 Laeken
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "statutaire",
"new_address": {
"city": "Laeken",
"region": "Brussels",
"street": "avenue Jean Sobieski",
"country": "BE",
"postcode": "1020",
"box_number": "9",
"street_number": "21"
},
"old_address": {
"city": "Saint Gilles",
"region": "Brussels",
"street": "rue Theodore Verhaegen",
"country": "BE",
"postcode": "1060",
"box_number": "6161",
"street_number": "202"
},
"effective_date": "2025-12-05",
"evidence_quote": "Le si\u00EBge social est transf\u00E9r\u00E9 du 202 boite 6161 de la rue Theodore Verhaegen 1060 Saint Gilles au 21 boite 9 de l\u0027avenue Jean Sobieski 1020 Laeken"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0761.648.057",
"name_full": "STERNE",
"legal_form": "SRL"
}
}19-01-2021 Incorporation of a new SRL
Technical details
{
"kind": "oprichting",
"seat": "1060 Saint-Gilles, Rue Th\u00E9odore Verhaegen 196-202 bte 6161",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1988-09-13",
"name": "GHEMATI Oussama",
"niss": null,
"address": "1020 Laeken, Avenue Jean Sobieski 21 b009"
},
"share_class": "actions",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 1500,
"holder_person_name": "GHEMATI Oussama",
"is_subscriber_only": false,
"n_shares_subscribed": 500,
"amount_subscribed_eur": 1500,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1990-12-03",
"name": "GHEMATI Zakaria",
"niss": null,
"address": "1020 Laeken, Rue du Clo\u00EEtre 43 b0A3"
},
"share_class": "actions",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 1500,
"holder_person_name": "GHEMATI Zakaria",
"is_subscriber_only": false,
"n_shares_subscribed": 500,
"amount_subscribed_eur": 1500,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 3000,
"subject_company": {
"kbo": "0761.648.057",
"name_full": "STERNE",
"legal_form": "SRL"
},
"initial_directors": [],
"incorporation_date": "2021-01-14",
"post_incorporation_mandates": []
}| Legal nameFR | STERNE |