STERREBOS
ActiveThe computed 12-month bankruptcy probability of STERREBOS is 1.5% (moderate). The 2025 annual accounts show equity of €547k and a net result of €-677. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 66% of 3674 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▼-27
Solvency70▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.54 in 2024; short-term debt: 47.8% and cash: 0.8% of total assets), and 55% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d late
2023
on the day
2022
on the day
2021
on the day
2020
1 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€547k▼ 0.1%
2024 · €548k
2019: €180k
2020: €318k
2021: €476k
2022: €513k
2023: €541k
2024: €548k
2019 → 2025
Total assets
€1.22M▼ 1.8%
2024 · €1.24M
2019: €938k
2020: €664k
2021: €808k
2022: €1.11M
2023: €1.28M
2024: €1.24M
2019 → 2025
Net result
€-677
2024 · €47k
2019: €-85k
2020: €138k
2021: €158k
2022: €236k
2023: €128k
2024: €47k
2019 → 2025
Working capital
€286k▼ 3.4%
2024 · €296k
2019: €-106k
2020: €130k
2021: €317k
2022: €368k
2023: €279k
2024: €296k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€476k-€513k▲ 7.7%€541k▲ 5.5%€548k▲ 1.3%€547k▼ 0.1%
Operating result€69k-€221k▲ 223%€144k▼ 35.1%€51k▼ 64.7%€24k▼ 52.4%
Net result€158k-€236k▲ 49.3%€128k▼ 45.7%€47k▼ 63.5%€-677
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€349k▼ 12.8%
Current assets
€868k▲ 3.5%
Equity and liabilities €1.22M
Equity
€547k▼ 0.1%
Debt
€670k▼ 3.1%
The debt ratio falls from 55.8% to 55.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€90k▼
2024 · €129k
Cash flow
€65k▼
2024 · €125k
Solvency
45.0%▲
2024 · 44.2%
Current ratio
1.49▼
2024 · 1.54
Quick ratio
1.43▼
2024 · 1.48
Debt / equity
1.22▼
2024 · 1.26
ROE
-0.1%▼
2024 · 8.6%
ROA
-0.1%▼
2024 · 3.8%
Interest coverage
2.91▼
2024 · 5.53
Debt
€670k▼
2024 · €691k
Debt ≤ 1 year
€582k▲
2024 · €543k
Debt > 1 year
€85k▼
2024 · €142k
Income taxes
€10k▲
2024 · €3k
Staff costs
€469k▼
2024 · €527k
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€1.24M€1.22M▼
Fixed assets21/28€400k€349k▼
Tangible fixed assets22/27€399k€348k▼
Land and buildings22€207k€188k▼
Plant, machinery and equipment23€149k€124k▼
Furniture and vehicles24€44k€36k▼
Financial fixed assets28€700€700=
Current assets29/58€839k€868k▲
Stocks and contracts in progress3€33k€38k▲
Stocks30/36€33k€38k▲
Amounts receivable within one year40/41€755k€819k▲
Trade receivables40€54k€59k▲
Other amounts receivable41€701k€760k▲
Cash at bank and in hand54/58€46k€10k▼
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.24M€1.22M▼
Equity10/15€548k€547k▼
Contributions10/11€18k€18k=
Reserves13€392k€392k=
Distributable reserves133€392k€392k=
Profit (loss) carried forward14€138k€137k▼
Amounts payable17/49€691k€670k▼
Amounts payable after more than one year17€142k€85k▼
Financial debts170/4€142k€85k▼
Amounts payable within one year42/48€543k€582k▲
Current portion of amounts payable after more than one year42€127k€138k▲
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€280k€318k▲
Suppliers440/4€280k€318k▲
Advances received on contracts in progress46€6k€5k▼
Taxes, remuneration and social security45€87k€116k▲
Taxes450/3€44k€80k▲
Remuneration and social security454/9€43k€36k▼
Other amounts payable47/48€40k-
Accrued charges and deferred income492/3€6k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€527k€469k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€66k▼
Other operating charges640/8€22k€29k▲
Gross operating margin9900€678k€587k▼
Operating profit (loss)9901€51k€24k▼
Financial income75/76B€22k€16k▼
Recurring financial income75€22k€16k▼
Financial charges65/66B€23k€31k▲
Recurring financial charges65€23k€31k▲
Profit (loss) for the period before taxes9903€50k€9k▼
Income taxes67/77€3k€10k▲
Profit (loss) for the period9904€47k€-677▼
Profit (loss) for the period to be appropriated9905€47k€-677▼
Appropriation of the result
Profit (loss) to be appropriated9906€185k€137k▼
Profit (loss) brought forward from the previous period14P€138k€138k=
Transfer to equity691/2€7k-
To other reserves6921€7k-
Profit to be distributed694/7€40k-
Directors or managers695€40k-
Social balance
Average headcount (FTE)908712.612.6=
The notes to these accounts (11 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 3 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €236k ▲49.3%
Operating result €221k, net result €236k, both a record.
30-06
Financial
Equity above €500kEq €513k ▲7.7%
3 profitable years in a row build equity to €513k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 1 day late
2020
30-06
Financial
Back to profitnet €138k
Net result €138k after one loss-making year.
30-06
Financial
Equity above €200kEq €318k ▲76.8%
Equity rises from €180k to €318k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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
1 establishment unit since 2022
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.
Ground area
2.3 ha
Building footprint
5,824 m²
Volume, LiDAR
54,369 m³
2 parcels, Flanders · tallest building 25.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IV Vespa’z
since 20222.335.586.289
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B1000/00N002 | Flanders | 2.2 ha | 1 · 5,379 m² | 25.3 m · 3 fl. |
| 36015A0939/00Z000 | Flanders | 770 m² | 1 · 444 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2024 · 4 entries · 2,256 EUR awarded · 2,256 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 2 | 756 EUR | 756 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Stagebonus (stopgezet)
Premie kwalificerend werkplekleren
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Food safety, FASFC
1 siteRoeselare2.335.586.289
Dual-learning approval
6 live approvals · 4 endedHulpkelner (vwo)
Hulpkelner duaal (so)
Kelner (vwo)
Keukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Restaurant en keuken duaal (so)
Similar companies · same sector, comparable size
DEHUT
BE 0841.296.638
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DE KIEKENHOEVE
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DE FEZANT
BE 0455.760.933
Dentergem · Eq €543k
MERTENS-MATHY
BE 0424.231.181
Theux · Eq €551k
4 A D
BE 0433.573.370
Diksmuide · Eq €551k
Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 1,899 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2010
Fiscal year end30-06
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.