STÉROCLÉ
ActiveSTÉROCLÉ has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €350k and a net result of €238k. Equity is growing by ~28% per year across the filed fiscal years. Its solvency ranks better than 37% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency72▼-28
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 2.73 in 2024; short-term debt: 53% and cash: 72.6% of total assets), and 53% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
47%
Return on assets
32%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-03-2026, 123 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
123 d early
2024
25 d late
2023
29 d late
2022
on the day
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€350k▼ 37.1%
2024 · €556k
2022: €203k
2023: €350k
2024: €556k
2022 → 2025
Total assets
€744k▲ 0.2%
2024 · €743k
2022: €616k
2023: €579k
2024: €743k
2022 → 2025
Net result
€238k▲ 15.2%
2024 · €206k
2022: €198k
2023: €147k
2024: €206k
2022 → 2025
Working capital
€169k▼ 47.8%
2024 · €324k
2022: €-134k
2023: €63k
2024: €324k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€203k-€350k▲ 72.5%€556k▲ 59.1%€350k▼ 37.1%
Operating result€286k-€211k▼ 26.2%€269k▲ 27.4%€313k▲ 16.3%
Net result€198k-€147k▼ 25.6%€206k▲ 40.5%€238k▲ 15.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 16% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €744k
Fixed assets
€180k▼ 22.2%
Current assets
€564k▲ 10.4%
Equity and liabilities €744k
Equity
€350k▼ 37.1%
Debt
€395k▲ 111%
The debt ratio rises from 25.2% to 53.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€365k▲
2024 · €322k
Cash flow
€290k▲
2024 · €259k
Solvency
47.0%▼
2024 · 74.8%
Current ratio
1.43▼
2024 · 2.73
Quick ratio
1.43▼
2024 · 2.73
Debt / equity
1.13▲
2024 · 0.34
ROE
68.1%▲
2024 · 37.1%
ROA
32.0%▲
2024 · 27.8%
Interest coverage
175.69▼
2024 · 1265.46
Debt
€395k▲
2024 · €187k
Debt ≤ 1 year
€395k▲
2024 · €187k
Income taxes
€73k▲
2024 · €63k
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€743k€744k▲
Fixed assets21/28€232k€180k▼
Intangible fixed assets21€230k€179k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€511k€564k▲
Cash at bank and in hand54/58€495k€541k▲
Deferred charges and accrued income490/1€16k€23k▲
Equity and liabilities
Total equity and liabilities10/49€743k€744k▲
Equity10/15€556k€350k▼
Contributions10/11€5k€5k=
Reserves13€345k€345k=
Distributable reserves133€345k€345k=
Profit (loss) carried forward14€206k€0▼
Amounts payable17/49€187k€395k▲
Amounts payable within one year42/48€187k€395k▲
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€14k€8k▼
Taxes450/3€14k€8k▼
Other amounts payable47/48€172k€387k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€52k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€324k€367k▲
Operating profit (loss)9901€269k€313k▲
Financial charges65/66B€254€2k▲
Recurring financial charges65€254€2k▲
Profit (loss) for the period before taxes9903€269k€311k▲
Income taxes67/77€63k€73k▲
Profit (loss) for the period9904€206k€238k▲
Profit (loss) for the period to be appropriated9905€206k€238k▲
Appropriation of the result
Profit (loss) to be appropriated9906€206k€444k▲
Profit (loss) brought forward from the previous period14P-€206k
Profit to be distributed694/7-€444k
Return on contributions (dividend)694-€444k
The notes to these accounts (8 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €238k ▲15.2%
Operating result €313k, net result €238k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.73
Current ratio from 1.28 to 2.73; short-term debt falls from €229k to €187k.
31-12
Financial
Equity above €500kEq €556k ▲59.1%
3 profitable years in a row build equity to €556k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €147k ▼25.6%
Net result drops to €147k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oudergem · 1 establishment unit since 2021
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.
Paul Emile Lessirestraat 61160 OudergemGround area
582 m²
Building footprint
108 m²
Volume, LiDAR
856 m³
Parcel 21332E0033/00T058, Brussels · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STÉROCLÉ
since 20212.325.566.882
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332E0033/00T058 | Brussels | 581 m² | 1 · 108 m² | 11.0 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
IATREION
BE 0474.603.083
Gent · Eq €350k
Dr. Kim De Muynck, huisarts
BE 0795.349.520
Kaprijke · Eq €349k
SIDI MEDICAL
BE 0897.572.375
Lessines · Eq €350k
SIRINA MEDICAL
BE 0898.849.213
Evere · Eq €349k
DOKTER GOEMAERE BART HUISARTSPRAKTIJK
BE 0878.619.763
Kaprijke · Eq €350k
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,149 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2021
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:coolsstephane@yahoo.fr
Phone:0473/889188