STICAPLAST 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 €2.27M and a net result of €427k. Equity is growing by ~38.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 9864 sector peers (fiscal year 2024). The company has been active since 2013 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
Two signals. The signal on the left, the evidence on the right.
○neutral
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 17-06-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
44 d early
2022
49 d early
2021
48 d early
2020
50 d early
2019
46 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€2.27M▲ 18.7%
2023 · €1.92M
2018: €321k
2019: €578k
2020: €681k
2021: €879k
2022: €1.30M
2023: €1.92M
2018 → 2024
Net result
€427k▼ 38.7%
2023 · €697k
2018: €142k
2019: €135k
2020: €103k
2021: €248k
2022: €435k
2023: €697k
2018 → 2024
Total assets
€2.33M▲ 15.1%
2023 · €2.02M
2018: €432k
2019: €712k
2020: €832k
2021: €1.08M
2022: €1.44M
2023: €2.02M
2018 → 2024
Solvency
97.5%▲ 2.9pp
2023 · 94.6%
2018: 74.4%
2019: 81.1%
2020: 81.9%
2021: 81.0%
2022: 90.2%
2023: 94.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€681k-€879k▲ 29.1%€1.30M▲ 47.8%€1.92M▲ 47.5%€2.27M▲ 18.7%
Operating result€147k-€355k▲ 141%€657k▲ 84.8%€781k▲ 19.0%€244k▼ 68.8%
Net result€103k-€248k▲ 140%€435k▲ 75.4%€697k▲ 60.3%€427k▼ 38.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 69% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.33M
Fixed assets
€355k▲ 18.2%
Current assets
€1.98M▲ 14.6%
Equity and liabilities €2.33M
Equity
€2.27M▲ 18.7%
Debt
€58k▼ 46.8%
The debt ratio falls from 5.4% to 2.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
97.5%▲
2023 · 94.6%
ROE
18.8%▼
2023 · 36.4%
ROA
18.3%▼
2023 · 34.4%
Debt
€58k▼
2023 · €109k
Debt ≤ 1 year
€58k▼
2023 · €109k
Income taxes
€103k▼
2023 · €238k
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€2.02M€2.33M▲
Fixed assets21/28€300k€355k▲
Tangible fixed assets22/27-€55k
Furniture and vehicles24-€55k
Financial fixed assets28€300k€300k=
Current assets29/58€1.72M€1.98M▲
Amounts receivable after more than one year29€609k€0▼
Other amounts receivable291€609k€0▼
Amounts receivable within one year40/41€224k€355k▲
Trade receivables40€24k€24k=
Other amounts receivable41€200k€331k▲
Current investments50/53€367k€507k▲
Cash at bank and in hand54/58€510k€1.03M▲
Deferred charges and accrued income490/1€13k€86k▲
Equity and liabilities
Total equity and liabilities10/49€2.02M€2.33M▲
Equity10/15€1.92M€2.27M▲
Contributions10/11€19k€19k=
Reserves13€1.88M€2.23M▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Tax-exempt reserves132€526k€526k=
Distributable reserves133€1.35M€1.71M▲
Profit (loss) carried forward14€21k€21k▲
Amounts payable17/49€109k€58k▼
Amounts payable within one year42/48€109k€58k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€108k€55k▼
Taxes450/3€108k€55k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€4k
Other operating charges640/8€2k€2k▲
Gross operating margin9900€783k€250k▼
Operating profit (loss)9901€781k€244k▼
Financial income75/76B€154k€287k▲
Recurring financial income75€154k€287k▲
Financial charges65/66B€339€448▲
Recurring financial charges65€339€448▲
Profit (loss) for the period before taxes9903€935k€530k▼
Income taxes67/77€238k€103k▼
Profit (loss) for the period9904€697k€427k▼
Transfer from tax-exempt reserves789€0-
Transfer to tax-exempt reserves689€211k€0▼
Profit (loss) for the period to be appropriated9905€486k€427k▼
Appropriation of the result
Profit (loss) to be appropriated9906€507k€448k▼
Profit (loss) brought forward from the previous period14P€21k€21k▲
Transfer from equity791/2€80k€70k▼
Transfer to equity691/2€486k€427k▼
To other reserves6921€486k€427k▼
Profit to be distributed694/7€80k€70k▼
Return on contributions (dividend)694€80k€70k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 34.21
Current ratio from 15.88 to 34.21; short-term debt falls from €109k to €58k.
31-12
Financial
Equity above €2MEq €2.27M ▲18.7%
7 profitable years in a row build equity to €2.27M.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €697k ▲60.3%
Operating result €781k, net result €697k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 8.16
Current ratio from 3.87 to 8.16; short-term debt falls from €203k to €140k.
31-12
Financial
Equity above €1MEq €1.30M ▲47.8%
5 profitable years in a row build equity to €1.30M.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €103k ▼23.7%
Net result drops to €103k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 3.15
Current ratio from 1.13 to 3.15.
31-12
Financial
Equity above €500kEq €578k ▲79.9%
2 profitable years in a row build equity to €578k.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
2016
13-06
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
2 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, Ingelmunster · 1 establishment unit since 2013
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.
Krekelstraat 268770 IngelmunsterGround area
1,455 m²
Building footprint
136 m²
Parcel 36007B1401/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
Sticaplast
since 20132.219.335.353
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007B1401/00C000 | Flanders | 1,455 m² | 1 · 136 m² | - |
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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 10,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:stijn@rcmd.be