Stijn Viaene
ActiveSummary
Stijn Viaene has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €259k and a net result of €9k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 69% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-10
Solvency99▼-1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 13.94 in 2024; short-term debt: 12.5% and cash: 21.6% of total assets), and 25.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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 dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.1%
Return on assets
2.6%
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
35 d early
2023
47 d early
2022
60 d early
2021
54 d early
2020
57 d early
2019
56 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€259k▼ 11.6%
2024 · €293k
2018: €272k
2019: €313k
2020: €288k
2021: €308k
2022: €300k
2023: €304k
2024: €293k
2018 → 2025
Total assets
€349k▲ 16.2%
2024 · €301k
2018: €483k
2019: €394k
2020: €339k
2021: €347k
2022: €379k
2023: €326k
2024: €301k
2018 → 2025
Net result
€9k▼ 71.4%
2024 · €32k
2018: €43k
2019: €40k
2020: €33k
2021: €36k
2022: €45k
2023: €43k
2024: €32k
2018 → 2025
Working capital
€47k▼ 53.8%
2024 · €102k
2018: €36k
2019: €88k
2020: €66k
2021: €82k
2022: €85k
2023: €91k
2024: €102k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€308k-€300k▼ 2.6%€304k▲ 1.5%€293k▼ 3.8%€259k▼ 11.6%
Operating result€56k-€69k▲ 22.2%€65k▼ 5.9%€48k▼ 26.4%€16k▼ 66.9%
Net result€36k-€45k▲ 24.7%€43k▼ 4.7%€32k▼ 24.3%€9k▼ 71.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 67% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €349k
Fixed assets
€259k ▲ 35.5%
Current assets
€91k ▼ 17.4%
Equity and liabilities €349k
Equity
€259k ▼ 11.6%
Debt
€90k ▲ 1,046%
Debt's share of the balance-sheet total rises from 2.6% to 25.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€58k▼
2024 · €78k
Cash flow
€52k▼
2024 · €63k
Current ratio
2.08▼
2024 · 13.94
Debt to equity
0.35▲
2024 · 0.03
ROE
3.6%▼
2024 · 11.0%
ROA
2.6%▼
2024 · 10.7%
Interest coverage
32.15▼
2024 · 87.88
Debt ≤ 1 year
€44k▲
2024 · €8k
Debt > 1 year
€47k
Income taxes
€5k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€301k€349k▲
Fixed assets21/28€191k€259k▲
Tangible fixed assets22/27€189k€257k▲
Land and buildings22€185k€172k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€83k▲
Financial fixed assets28€1k€1k=
Current assets29/58€110k€91k▼
Amounts receivable within one year40/41€20k€15k▼
Trade receivables40€12k€408▼
Other amounts receivable41€8k€15k▲
Current investments50/53€0-
Cash at bank and in hand54/58€90k€75k▼
Equity and liabilities
Total equity and liabilities10/49€301k€349k▲
Equity10/15€293k€259k▼
Contributions10/11€19k€19k=
Reserves13€274k€240k▼
Distributable reserves133€274k€240k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€8k€90k▲
Amounts payable after more than one year17-€47k
Financial debts170/4-€47k
Amounts payable within one year42/48€8k€44k▲
Current portion of amounts payable after more than one year42€0€17k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€7k€0▼
Taxes450/3€7k€0▼
Other amounts payable47/48€0€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€42k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€80k€60k▼
Operating profit (loss)9901€48k€16k▼
Financial income75/76B€1k€247▼
Recurring financial income75€1k€247▼
Financial charges65/66B€889€2k▲
Recurring financial charges65€889€2k▲
Profit (loss) for the period before taxes9903€48k€14k▼
Income taxes67/77€16k€5k▼
Profit (loss) for the period9904€32k€9k▼
Profit (loss) for the period to be appropriated9905€32k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€9k▼
Transfer from equity791/2€44k€43k▼
Transfer to equity691/2€32k€9k▼
To other reserves6921€32k€9k▼
Profit to be distributed694/7€44k€43k▼
Return on contributions (dividend)694€44k€43k▼
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
Next filing, fiscal year 2026, expected by
2026
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €9k ▼71.4%
Net result drops to €9k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 13.94
Current ratio from 5.18 to 13.94; short-term debt falls from €22k to €8k.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 5.18
Current ratio from 2.17 to 5.18; short-term debt falls from €72k to €22k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €45k ▲24.7%
Net result €45k, the highest in the series.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 3.24
Current ratio from 1.23 to 3.24; short-term debt falls from €157k to €39k.
Show earlier events
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Bertem · 1 establishment unit since 2006
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.
Voerhoek 283061 BertemGround area
1,423 m²
Building footprint
159 m²
Volume, LiDAR
126 m³
Parcel 24061C0222/00K000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stijn Viaene
since 20062.156.526.962
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24061C0222/00K000 | Flanders | 1,423 m² | 1 · 159 m² | 9.6 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
PHIN
BE 0835.423.089
Nazareth-De Pinte · Eq €258,994
Aelterman Consulting
BE 0780.366.384
Gent · Eq €259,016
Mola Mola
BE 0834.121.608
Gavere · Eq €259,017
V&S Consultancy
BE 0784.498.485
Anzegem · Eq €259,024
boîte 71
BE 0860.992.388
Sint-Lambrechts-Woluwe · Eq €258,957
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,792 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2006
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.