Summary
Stiene 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 €9,010 and a net result of €2,104. Equity is growing by ~33% per year across the filed fiscal years. Its solvency ranks better than 74% of 8091 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
4 d early
2023
20 d late
2022
6 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 July (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€9,010▲ 30.5%
2024 · €6,906
Net result
€2,104▲ 187%
2024 · €734
Total assets
€11,734▼ 9.2%
2024 · €12,918
Solvency
76.8%▲ 23.3pp
2024 · 53.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€568-€5,126▲ 803%€1,637▼ 68.1%€3,124▲ 90.8%
Net result€384below the sector's middle half-€3,788within the sector's middle half▲ 887%€734below the sector's middle half▼ 80.6%€2,104below the sector's middle half▲ 187%
Equity€2,384below the sector's middle half-€6,172below the sector's middle half▲ 159%€6,906below the sector's middle half▲ 11.9%€9,010below the sector's middle half▲ 30.5%
Total assets€7,778below the sector's middle half-€17,178below the sector's middle half▲ 121%€12,918below the sector's middle half▼ 24.8%€11,734below the sector's middle half▼ 9.2%
Debt€5,394-€11,005▲ 104%€6,012▼ 45.4%€2,724▼ 54.7%
Working capital€375within the sector's middle half-€4,892within the sector's middle half▲ 1,204%-€30within the sector's middle half€4,043within the sector's middle half
Solvency30.7%within the sector's middle half-35.9%within the sector's middle half▲ 5.3pp53.5%within the sector's middle half▲ 17.5pp76.8%within the sector's middle half▲ 23.3pp
Current ratio1.07within the sector's middle half-1.44within the sector's middle half▲ 0.371.00within the sector's middle half▼ 0.452.48within the sector's middle half▲ 1.49
Return on assets (ROA)4.9%within the sector's middle half-22.1%within the sector's middle half▲ 17.1pp5.7%within the sector's middle half▼ 16.4pp17.9%within the sector's middle half▲ 12.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 91% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11,734
Fixed assets
€4,967 ▼ 28.4%
Current assets
€6,767 ▲ 13.1%
Equity and liabilities €11,734
Equity
€9,010 ▲ 30.5%
Debt
€2,724 ▼ 54.7%
Debt's share of the balance-sheet total falls from 46.5% to 23.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
23.3%▲
2024 · 10.6%
Debt ≤ 1 year
€2,724▼
2024 · €6,012
Income taxes
€842▲
2024 · €710
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €178 | €729 | €1,433 | €1,969 | ▲ 37.3% |
| Gross operating margin9900 | €746 | €5,855 | €3,071 | €5,092 | ▲ 65.8% |
| Operating profit (loss)9901 | €568 | €5,126 | €1,637 | €3,124 | ▲ 90.8% |
| Financial income75/76B | €6 | €6 | €23 | €0 | ▼ 100% |
| Recurring financial income75 | €6 | €6 | €23 | €0 | ▼ 100% |
| Financial charges65/66B | €100 | €167 | €217 | €178 | ▼ 18.0% |
| Recurring financial charges65 | €100 | €167 | €217 | €178 | ▼ 18.0% |
| Profit (loss) for the period before taxes9903 | €474 | €4,965 | €1,444 | €2,946 | ▲ 104% |
| Income taxes67/77 | €90 | €1,177 | €710 | €842 | ▲ 18.6% |
| Profit (loss) for the period9904 | €384 | €3,788 | €734 | €2,104 | ▲ 187% |
| Profit (loss) for the period to be appropriated9905 | €384 | €3,788 | €734 | €2,104 | ▲ 187% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €7,778 | €17,178 | €12,918 | €11,734 | ▼ 9.2% |
| Fixed assets21/28 | €2,009 | €1,280 | €6,936 | €4,967 | ▼ 28.4% |
| Tangible fixed assets22/27 | €2,009 | €1,280 | €6,936 | €4,967 | ▼ 28.4% |
| Plant, machinery and equipment23 | €2,009 | €1,280 | €551 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | - | €6,385 | €4,967 | ▼ 22.2% |
| Current assets29/58 | €5,769 | €15,898 | €5,982 | €6,767 | ▲ 13.1% |
| Amounts receivable within one year40/41 | €3,025 | €8,591 | €786 | €188 | ▼ 76.1% |
| Trade receivables40 | €3,025 | €8,591 | €197 | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | €589 | €188 | ▼ 68.1% |
| Cash at bank and in hand54/58 | €1,933 | €7,038 | €5,088 | €6,498 | ▲ 27.7% |
| Deferred charges and accrued income490/1 | €811 | €269 | €108 | €82 | ▼ 24.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €7,778 | €17,178 | €12,918 | €11,734 | ▼ 9.2% |
| Equity10/15 | €2,384 | €6,172 | €6,906 | €9,010 | ▲ 30.5% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | - | €4,000 | €4,000 | €6,104 | ▲ 52.6% |
| Distributable reserves133 | - | €4,000 | €4,000 | €6,104 | ▲ 52.6% |
| Profit (loss) carried forward14 | €384 | €172 | €906 | €906 | = |
| Amounts payable17/49 | €5,394 | €11,005 | €6,012 | €2,724 | ▼ 54.7% |
| Amounts payable within one year42/48 | €5,394 | €11,005 | €6,012 | €2,724 | ▼ 54.7% |
| Trade debts44 | €317 | €0 | €616 | €258 | ▼ 58.0% |
| Suppliers440/4 | €317 | €0 | €616 | €258 | ▼ 58.0% |
| Taxes, remuneration and social security45 | €4,536 | €6,805 | €4,482 | €1,552 | ▼ 65.4% |
| Taxes450/3 | €2,536 | €6,805 | €4,482 | €1,552 | ▼ 65.4% |
| Remuneration and social security454/9 | €2,000 | €0 | - | - | - |
| Other amounts payable47/48 | €541 | €4,200 | €914 | €914 | = |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €384 | €3,788 | €734 | €2,104 | ▲ 187% |
| + Depreciation and write-downs630 | €178 | €729 | €1,433 | €1,969 | ▲ 37.3% |
| Operating cash flow (approximation) | €562 | €4,517 | €2,167 | €4,072 | ▲ 87.9% |
| Investment in fixed assets (approximation) | - | €0 | -€7,089 | €0 | ▲ 100% |
| Change in cash | - | €5,105 | -€1,950 | €1,409 | ▲ 172% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.48
Current ratio from 1.00 to 2.48; short-term debt falls from €6,012 to €2,724.
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Highest result since 2022net €3,788 ▲887%
Operating result €5,126, net result €3,788, both a record.
25-07
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Frasnes-lez-Anvaing · 1 establishment unit since 2022
Ground area
1,947 m²
Building footprint
162 m²
Volume, LiDAR
1,338 m³
2 parcels, Flanders, Wallonia · tallest building 12.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Stiene
since 20222.330.543.279
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51022B0339/00D000 | Wallonia | 1,900 m² | 1 · 122 m² | 9.8 m · 3 fl. |
| 44816K0807/00W000 | Flanders | 47 m² | 1 · 40 m² | 12.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,020 EUR awarded · 1,020 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,020 EUR | 1,020 EUR |
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 4,754 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68321Property management for co-owned buildings (syndics)
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0784613994
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.