STERO 77
ActiveSTERO 77 has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41k and a net result of €-2k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 92% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability14▼-63
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 10.18 against 8.69 in 2023; short-term debt: 8.7% and cash: 68.5% of total assets), and 8.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
91.3%
Return on assets
-3.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
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 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
23 d early
2022
33 d early
2021
32 d early
2020
31 d early
2019
15 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€41k▼ 3.8%
2023 · €43k
2018: €41k
2019: €58k
2020: €67k
2021: €42k
2022: €40k
2023: €43k
2018 → 2024
Total assets
€45k▼ 6.3%
2023 · €48k
2018: €51k
2019: €67k
2020: €75k
2021: €45k
2022: €41k
2023: €48k
2018 → 2024
Net result
€-2k
2023 · €3k
2018: €6k
2019: €17k
2020: €11k
2021: €-4k
2022: €-2k
2023: €3k
2018 → 2024
Working capital
€36k▼ 5.5%
2023 · €38k
2018: €42k
2019: €58k
2020: €68k
2021: €42k
2022: €40k
2023: €38k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€67k-€42k▼ 37.9%€40k▼ 5.2%€43k▲ 8.0%€41k▼ 3.8%
Operating result€15k-€-4k€-2k▲ 53.0%€3k€-2k
Net result€11k-€-4k€-2k▲ 51.0%€3k€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2k after €3k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €45k
Fixed assets
€5k▲ 2.0%
Current assets
€40k▼ 7.2%
Equity and liabilities €45k
Equity
€41k▼ 3.8%
Debt
€4k▼ 26.2%
The debt ratio falls from 11.1% to 8.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-341▼
2023 · €4k
Cash flow
€-169▼
2023 · €4k
Solvency
91.3%▲
2023 · 88.9%
Current ratio
10.18▲
2023 · 8.69
Quick ratio
10.18▲
2023 · 8.69
Debt / equity
0.10▼
2023 · 0.12
ROE
-3.9%▼
2023 · 7.4%
ROA
-3.6%▼
2023 · 6.6%
Interest coverage
-2.07▼
2023 · 25.96
Debt
€4k▼
2023 · €5k
Debt ≤ 1 year
€4k▼
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€48k€45k▼
Fixed assets21/28€5k€5k▲
Tangible fixed assets22/27€5k€5k▲
Plant, machinery and equipment23€5k€5k▲
Current assets29/58€43k€40k▼
Amounts receivable after more than one year29€13k€6k▼
Other amounts receivable291€13k€6k▼
Amounts receivable within one year40/41€3k€3k▲
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€27k€31k▲
Deferred charges and accrued income490/1€32-
Equity and liabilities
Total equity and liabilities10/49€48k€45k▼
Equity10/15€43k€41k▼
Contributions10/11€5k€5k=
Reserves13€41k€40k▼
Non-distributable reserves130/1€1k-
Reserves not available under the articles1311€1k-
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€-3k€-4k▼
Amounts payable17/49€5k€4k▼
Amounts payable within one year42/48€5k€4k▼
Taxes, remuneration and social security45€1k€135▼
Taxes450/3€1k€135▼
Other amounts payable47/48€4k€4k=
Accrued charges and deferred income492/3€360-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€387▼
Gross operating margin9900€5k€46▼
Operating profit (loss)9901€3k€-2k▼
Financial income75/76B€96€338▲
Recurring financial income75€96€338▲
Financial charges65/66B€164€165▲
Recurring financial charges65€164€165▲
Profit (loss) for the period before taxes9903€3k€-2k▼
Profit (loss) for the period9904€3k€-2k▼
Profit (loss) for the period to be appropriated9905€3k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-5k▼
Profit (loss) brought forward from the previous period14P€-6k€-3k▲
Transfer from equity791/2-€1k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-4k ▼142%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €17k ▲192%
Operating result €28k, net result €17k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
30-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 152 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-10-2025
Sigrid Van Laere: Resigned as Director
30-06-2021
Steve Rogiers: Resigned as Director
Location & real-estate footprint
Registered office, Merchtem · 1 establishment unit since 2014
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.
Kasteelstraat 261785 MerchtemGround area
1,446 m²
Building footprint
192 m²
Volume, LiDAR
1,172 m³
Parcel 23012H0380/02E000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STERO 77
since 20142.236.808.221
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23012H0380/02E000 | Flanders | 1,446 m² | 1 · 192 m² | 9.7 m · 2 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
RENT 4 LESS
BE 0475.169.742
Sint-Lambrechts-Woluwe · Eq €41k
Benny's Cars
BE 0892.451.369
Glabbeek · Eq €41k
AUTO CONTACT
BE 0777.846.166
Péruwelz · Eq €41k
SAM MOTORS
BE 0782.615.497
Beveren-Kruibeke-Zwijndrecht · Eq €42k
DIERICKX WALTER
BE 0476.352.845
Schilde · Eq €42k
Of 2,131 companies in sector 46711 we hold annual accounts for 1,126. 709 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-2014
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45112
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46712Wholesale trade
45192
47812Retail trade
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:steve.rogiers@gmail.com