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StieNett

Active
Private limited companyfounded 200421 yrs activeGruitroderbaan 38, 3670 Oudsbergen, BelgiumKBO/BCE: BE 0870.369.716

StieNett has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103k and a net result of €19k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 3450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
95 / 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 8.9 against 7.67 in 2024; short-term debt: 11.1% and cash: 80.8% of total assets), and 11.1% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 21 years 0 30 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
88.9%
Return on assets
16.5%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
4 d early
2024
3 d early
2023
8 d late
2022
133 d early
2021
16 d early
2020
30 d late
2019
67 d late
← 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 months
Position in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€103k▲ 22.8%
2024 · €84k
2018: €61k 2019: €61k 2020: €56k 2021: €70k 2022: €87k 2023: €76k 2024: €84k
2018 → 2025
Total assets
€116k▲ 20.2%
2024 · €96k
2018: €81k 2019: €68k 2020: €67k 2021: €86k 2022: €93k 2023: €86k 2024: €96k
2018 → 2025
Net result
€19k▲ 1.4%
2024 · €19k
2018: €11k 2019: €289 2020: €-5k 2021: €10k 2022: €17k 2023: €13k 2024: €19k
2018 → 2025
Working capital
€102k▲ 22.4%
2024 · €83k
2018: €55k 2019: €57k 2020: €52k 2021: €69k 2022: €84k 2023: €75k 2024: €83k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€70k-€87k▲ 24.5%€76k▼ 12.5%€84k▲ 10.5%€103k▲ 22.8%
Operating result€15k-€25k▲ 62.5%€20k▼ 17.5%€28k▲ 39.8%€28k▼ 0.5%
Net result€10k-€17k▲ 62.9%€13k▼ 22.6%€19k▲ 42.4%€19k▲ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€10k€20k€30kOperating result 2021: €15k€15kNet result 2021: €10k€10kOperating result 2022: €25k€25kNet result 2022: €17k€17kOperating result 2023: €20k€20kNet result 2023: €13k€13kOperating result 2024: €28k€28kNet result 2024: €19k€19kOperating result 2025: €28k€28kNet result 2025: €19k€19k20212022202320242025
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets €1k▲ 70.9%
Current assets €115k▲ 19.9%
Equity and liabilities €116k
Equity €103k▲ 22.8%
Debt €13k▲ 3.4%
The debt ratio falls from 13.0% to 11.1%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€29k
2024 · €29k
Cash flow
€20k
2024 · €19k
Solvency
88.9%
2024 · 87.0%
Current ratio
8.90
2024 · 7.67
Quick ratio
8.90
2024 · 7.67
Debt / equity
0.13
2024 · 0.15
ROE
18.5%
2024 · 22.4%
ROA
16.5%
2024 · 19.5%
Interest coverage
122.32
2024 · 132.71
Debt
€13k
2024 · €12k
Debt ≤ 1 year
€13k
2024 · €12k
Income taxes
€9k
2024 · €9k
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€96k€116k
Fixed assets21/28€598€1k
Tangible fixed assets22/27€598€1k
Furniture and vehicles24€598€1k
Current assets29/58€96k€115k
Amounts receivable within one year40/41€483€19k
Trade receivables40-€18k
Other amounts receivable41€483€662
Cash at bank and in hand54/58€93k€94k
Deferred charges and accrued income490/1€2k€2k
Equity and liabilities
Total equity and liabilities10/49€96k€116k
Equity10/15€84k€103k
Contributions10/11€19k€19k=
Reserves13€65k€84k
Distributable reserves133€65k€84k
Profit (loss) carried forward14€0€0=
Amounts payable17/49€12k€13k
Amounts payable within one year42/48€12k€13k
Financial debts43€3€6
Credit institutions430/8€3€6
Trade debts44€2k€3k
Suppliers440/4€2k€3k
Taxes, remuneration and social security45€8k€8k
Taxes450/3€8k€8k
Other amounts payable47/48€3k€1k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€655€733
Other operating charges640/8€637€654
Gross operating margin9900€30k€30k
Operating profit (loss)9901€28k€28k
Financial income75/76B€93€480
Recurring financial income75€93€480
Financial charges65/66B€219€237
Recurring financial charges65€219€237
Profit (loss) for the period before taxes9903€28k€28k
Income taxes67/77€9k€9k
Profit (loss) for the period9904€19k€19k
Profit (loss) for the period to be appropriated9905€19k€19k
Appropriation of the result
Profit (loss) to be appropriated9906€19k€19k
Transfer from equity791/2€11k€0
Transfer to equity691/2€19k€19k
To other reserves6921€19k€19k
Profit to be distributed694/7€11k€0
Return on contributions (dividend)694€11k€0

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
27-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Highest result since 2018net €19k ▲1.4%
Net result €19k, the highest in the series.
31-12
Financial Equity above €100kEq €103k ▲22.8%
5 profitable years in a row build equity to €103k.
28-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
08-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
20-03
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Liquidity triplescurrent ratio 15.05
Current ratio from 5.37 to 15.05; short-term debt falls from €16k to €6k.
15-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial Back to profitnet €10k
Net result €10k after one loss-making year.
30-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial Weakest financial yearnet €-5k ▼1988%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
06-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
31-12
Financial Liquidity doublescurrent ratio 9.40
Current ratio from 3.79 to 9.40; short-term debt falls from €20k to €7k.
19-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
25-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
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, Oudsbergen · 1 establishment unit since 2005
establishment The establishment unit on the map
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.

Gruitroderbaan 383670 Oudsbergen
Ground area
832 m²
Building footprint
173 m²
Volume, LiDAR
1,040 m³
Parcel 72022B0558/00L000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
StieNett
Gruitroderbaan 38, 3670 OudsbergenFinancial service activities, except insurance and pension funding
since 20052.143.992.285
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72022B0558/00L000 Flanders 832 m² 1 · 173 m² 8.6 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

Of 886 companies in sector 74991 we hold annual accounts for 315. 240 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded03-12-2004
Fiscal year end31-12
Activities, NACEBEL
74901Other professional, scientific and technical activities
74991Agents and managers of artists, athletes and other public figures
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.