STF CONSULTING
ActiveSTF CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €431k and a net result of €239k. Equity is growing by ~108.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 9863 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 9863 sector peers (2024).
NBB · sector comparisonPosition among 9863 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
83 d late
2022
101 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€431k▲ 124%
2023 · €192k
2022: €15k
2023: €192k
2022 → 2024
Net result
€239k▲ 34.7%
2023 · €177k
2022: €12k
2023: €177k
2022 → 2024
Total assets
€2.17M▲ 17.5%
2023 · €1.85M
2022: €1.12M
2023: €1.85M
2022 → 2024
Solvency
19.8%▲ 9.4pp
2023 · 10.4%
2022: 1.3%
2023: 10.4%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€15k-€192k▲ 1,210%€431k▲ 124%
Operating result€23k-€277k▲ 1,111%€385k▲ 38.7%
Net result€12k-€177k▲ 1,422%€239k▲ 34.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 39% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.17M
Fixed assets
€1.08M▲ 7.3%
Current assets
€1.09M▲ 29.6%
Equity and liabilities €2.17M
Equity
€431k▲ 124%
Debt
€1.74M▲ 5.1%
The debt ratio falls from 89.6% to 80.2%: equity grows faster than debt.
Key figures and ratios
Solvency
19.8%▲
2023 · 10.4%
ROE
55.4%▼
2023 · 92.4%
ROA
11.0%▲
2023 · 9.6%
Debt
€1.74M▲
2023 · €1.66M
Debt ≤ 1 year
€1.00M▲
2023 · €954k
Debt > 1 year
€738k▲
2023 · €701k
Income taxes
€109k▲
2023 · €83k
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€1.85M€2.17M▲
Fixed assets21/28€1.00M€1.08M▲
Tangible fixed assets22/27€1.00M€1.08M▲
Land and buildings22€986k€1.03M▲
Plant, machinery and equipment23€2k€722▼
Furniture and vehicles24€16k€43k▲
Current assets29/58€843k€1.09M▲
Stocks and contracts in progress3€489k€665k▲
Stocks30/36€489k€665k▲
Amounts receivable within one year40/41€277k€291k▲
Trade receivables40€277k€290k▲
Other amounts receivable41€205€567▲
Cash at bank and in hand54/58€76k€134k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.85M€2.17M▲
Equity10/15€192k€431k▲
Contributions10/11€3k€3k=
Reserves13€189k€428k▲
Distributable reserves133€189k€428k▲
Amounts payable17/49€1.66M€1.74M▲
Amounts payable after more than one year17€701k€738k▲
Financial debts170/4€701k€738k▲
Amounts payable within one year42/48€954k€1.00M▲
Current portion of amounts payable after more than one year42€47k€53k▲
Trade debts44€67k€20k▼
Suppliers440/4€67k€20k▼
Taxes, remuneration and social security45€116k€155k▲
Taxes450/3€116k€155k▲
Other amounts payable47/48€724k€773k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€88k€59k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€368k€447k▲
Operating profit (loss)9901€277k€385k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€17k€37k▲
Recurring financial charges65€17k€37k▲
Profit (loss) for the period before taxes9903€260k€348k▲
Income taxes67/77€83k€109k▲
Profit (loss) for the period9904€177k€239k▲
Profit (loss) for the period to be appropriated9905€177k€239k▲
Appropriation of the result
Profit (loss) to be appropriated9906€177k€239k▲
Transfer to equity691/2€177k€239k▲
To other reserves6921€177k€239k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2022net €239k ▲34.7%
Operating result €385k, net result €239k, both a record.
31-12
Financial
Equity above €200kEq €431k ▲124%
3 profitable years in a row build equity to €431k.
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 83 days late
2023
31-12
Financial
Equity above €150kEq €192k ▲1210%
2 profitable years in a row build equity to €192k.
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 101 days late
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, Beveren-Kruibeke-Zwijndrecht · 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.
Dijkstraat(MEL) 143A9120 Beveren-Kruibeke-ZwijndrechtGround area
550 m²
Building footprint
304 m²
Volume, LiDAR
1,894 m³
Parcel 46016C0901/00T002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STF CONSULTING
since 20222.328.656.135
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46016C0901/00T002 | Flanders | 550 m² | 1 · 304 m² | 9.4 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
CLC Invest
BE 0792.953.818
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CHRISTIMMO
BE 0451.204.507
Wingene · Eq €431k
KAPASA
BE 0541.722.531
Steenokkerzeel · Eq €431k
Hoche Partners Hospitality
BE 0739.827.017
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VINKENHOEK
BE 0800.678.184
Koksijde · Eq €431k
Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,670 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
56210Event catering
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82300Organisation of conventions and trade shows
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.