StiBi is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €384k and a net result of €21k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 5498 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four 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 17% of 5498 sector peers (2025).
NBB · sector comparisonPosition among 5498 sector peers
Solvency
better than 17%
← weakest
strongest →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
15 d early
2024
28 d early
2023
35 d early
2022
27 d early
2021
34 d early
2020
11 d early
2019
11 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€384k▲ 0.7%
2024 · €382k
2018: €160k
2019: €197k
2020: €237k
2021: €276k
2022: €303k
2023: €351k
2024: €382k
2018 → 2025
Net result
€21k▼ 31.6%
2024 · €31k
2018: €29k
2019: €37k
2020: €40k
2021: €39k
2022: €27k
2023: €48k
2024: €31k
2018 → 2025
Total assets
€2.58M▲ 140%
2024 · €1.08M
2018: €565k
2019: €532k
2020: €524k
2021: €526k
2022: €985k
2023: €985k
2024: €1.08M
2018 → 2025
Solvency
14.9%▼ 20.6pp
2024 · 35.4%
2018: 28.4%
2019: 37.1%
2020: 45.3%
2021: 52.5%
2022: 30.8%
2023: 35.7%
2024: 35.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€276k-€303k▲ 9.8%€351k▲ 15.9%€382k▲ 8.7%€384k▲ 0.7%
Operating result€61k-€48k▼ 20.5%€95k▲ 95.6%€77k▼ 18.5%€85k▲ 10.4%
Net result€39k-€27k▼ 30.2%€48k▲ 77.5%€31k▼ 36.4%€21k▼ 31.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.58M
Fixed assets
€2.53M▲ 163%
Current assets
€51k▼ 54.9%
Equity and liabilities €2.58M
Equity
€384k▲ 0.7%
Debt
€2.20M▲ 216%
The debt ratio rises from 64.6% to 85.1%. Equity and debt are higher.
Key figures and ratios
Solvency
14.9%▼
2024 · 35.4%
ROE
5.4%▼
2024 · 8.0%
ROA
0.8%▼
2024 · 2.8%
Debt
€2.20M▲
2024 · €696k
Debt ≤ 1 year
€138k▲
2024 · €27k
Debt > 1 year
€2.06M▲
2024 · €669k
Income taxes
€2k▼
2024 · €10k
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€1.08M€2.58M▲
Fixed assets21/28€965k€2.53M▲
Tangible fixed assets22/27€455k€2.02M▲
Land and buildings22€455k€2.02M▲
Financial fixed assets28€510k€510k=
Current assets29/58€113k€51k▼
Amounts receivable within one year40/41€11€10k▲
Other amounts receivable41€11€10k▲
Cash at bank and in hand54/58€112k€39k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.08M€2.58M▲
Equity10/15€382k€384k▲
Contributions10/11€50k€50k=
Reserves13€332k€334k▲
Distributable reserves133€332k€334k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€696k€2.20M▲
Amounts payable after more than one year17€669k€2.06M▲
Financial debts170/4€550k€1.85M▲
Other amounts payable178/9€120k€215k▲
Amounts payable within one year42/48€27k€138k▲
Current portion of amounts payable after more than one year42€5k€84k▲
Financial debts43€6k€3k▼
Credit institutions430/8-€3k
Other loans439€6k€0▼
Trade debts44€15€26k▲
Suppliers440/4€15€26k▲
Taxes, remuneration and social security45€10k€18k▲
Taxes450/3€10k€16k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€6k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€59k
Other operating charges640/8€2k€1k▼
Gross operating margin9900€79k€146k▲
Operating profit (loss)9901€77k€85k▲
Financial income75/76B€9€0▼
Recurring financial income75€9€0▼
Financial charges65/66B€36k€62k▲
Recurring financial charges65€36k€62k▲
Profit (loss) for the period before taxes9903€41k€23k▼
Income taxes67/77€10k€2k▼
Profit (loss) for the period9904€31k€21k▼
Profit (loss) for the period to be appropriated9905€31k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€21k▼
Transfer from equity791/2-€18k
Transfer to equity691/2€31k€21k▼
To other reserves6921€31k€21k▼
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (20 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €21k ▼31.6%
Net result drops to €21k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 4.22
Current ratio from 1.00 to 4.22.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €48k ▲77.5%
Operating result €95k, net result €48k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €237k ▲20.3%
3 profitable years in a row build equity to €237k.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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
Registered office, Wingene · 1 establishment unit since 2016
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.
Kaplotestraat 208750 WingeneGround area
276 m²
Building footprint
94 m²
Volume, LiDAR
535 m³
Parcel 37018D1576/00E005, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Holding SK
since 20162.250.520.457
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37018D1576/00E005 | Flanders | 276 m² | 1 · 94 m² | 8.4 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,764 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.