STINO
ActiveSTINO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 76% of 7912 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.91 against 1.82 in 2024), and 29% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
71%
Return on assets
15.3%
Age of the figures
14 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €84k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-02-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
25 d late
2023
16 d early
2022
on the day
2021
on the day
2020
3 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€84k▲ 27.4%
2024 · €66k
2019: €490
2020: €-13k
2021: €-12k
2022: €-6k
2023: €7k
2024: €66k
2019 → 2025
Total assets
€119k▼ 9.0%
2024 · €130k
2019: €238k
2020: €214k
2021: €193k
2022: €184k
2023: €184k
2024: €130k
2019 → 2025
Net result
€18k▼ 69.4%
2024 · €59k
2019: €1k
2020: €-13k
2021: €970
2022: €7k
2023: €12k
2024: €59k
2019 → 2025
Working capital
€86k▲ 113%
2024 · €40k
2019: €8k
2020: €1k
2021: €-539
2022: €10k
2023: €28k
2024: €40k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-12k-€-6k▲ 54.1%€7k€66k▲ 855%€84k▲ 27.4%
Operating result€5k-€11k▲ 118%€19k▲ 66.5%€101k▲ 439%€27k▼ 73.4%
Net result€970-€7k▲ 570%€12k▲ 91.3%€59k▲ 375%€18k▼ 69.4%
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 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€3k▼ 92.8%
Current assets
€116k▲ 28.8%
Equity and liabilities €119k
Equity
€84k▲ 27.4%
Debt
€34k▼ 46.5%
The debt ratio falls from 49.3% to 29.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k▼
2024 · €107k
Cash flow
€19k▼
2024 · €65k
Solvency
71.0%▲
2024 · 50.7%
Current ratio
3.91▲
2024 · 1.82
Quick ratio
3.91▲
2024 · 1.82
Debt / equity
0.41▼
2024 · 0.97
ROE
21.5%▼
2024 · 89.5%
ROA
15.3%▼
2024 · 45.4%
Interest coverage
23.93▲
2024 · 8.04
Debt
€34k▼
2024 · €64k
Debt ≤ 1 year
€30k▼
2024 · €49k
Debt > 1 year
€4k▼
2024 · €15k
Income taxes
€8k▼
2024 · €29k
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€130k€119k▼
Fixed assets21/28€40k€3k▼
Tangible fixed assets22/27€40k€3k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€37k€0▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€90k€116k▲
Amounts receivable within one year40/41€48k€58k▲
Trade receivables40€43k€33k▼
Other amounts receivable41€5k€25k▲
Cash at bank and in hand54/58€41k€57k▲
Deferred charges and accrued income490/1€829€497▼
Equity and liabilities
Total equity and liabilities10/49€130k€119k▼
Equity10/15€66k€84k▲
Contributions10/11€18k€18k=
Reserves13€48k€67k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€48k€67k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€64k€34k▼
Amounts payable after more than one year17€15k€4k▼
Financial debts170/4€15k€4k▼
Amounts payable within one year42/48€49k€30k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€7k€1k▼
Suppliers440/4€7k€1k▼
Taxes, remuneration and social security45€33k€18k▼
Taxes450/3€33k€18k▼
Remuneration and social security454/9€0-
Accrued charges and deferred income492/3€154€417▲
Income statement
Code20242025
Non-recurring operating income76A€69k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€734▼
Other operating charges640/8€33k€575▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€139k€32k▼
Operating profit (loss)9901€101k€27k▼
Financial income75/76B€312€643▲
Recurring financial income75€312€643▲
Financial charges65/66B€13k€1k▼
Recurring financial charges65€13k€1k▼
Profit (loss) for the period before taxes9903€88k€26k▼
Income taxes67/77€29k€8k▼
Profit (loss) for the period9904€59k€18k▼
Profit (loss) for the period to be appropriated9905€59k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€18k▼
Profit (loss) brought forward from the previous period14P€-13k€0▲
Transfer from equity791/2€0-
Transfer to equity691/2€47k€18k▼
To other reserves6921€47k€18k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (22 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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
30-06
Financial
Liquidity doublescurrent ratio 3.91
Current ratio from 1.82 to 3.91; short-term debt falls from €49k to €30k.
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
30-06
Financial
Highest result since 2019net €59k ▲375%
Operating result €101k, net result €59k, both a record.
15-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €970
Net result €970 after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-13k ▼1343%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Zwevegem · 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.
Kwatanestraat(M) 18552 ZwevegemGround area
3,995 m²
Building footprint
299 m²
Volume, LiDAR
1,635 m³
Parcel 34028A0144/00D000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STINO
since 20062.157.174.684
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34028A0144/00D000 | Flanders | 3,995 m² | 1 · 299 m² | 9.1 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
Sattri Europe
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M-AUTOMATION
BE 0541.349.080
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Herbosch
BE 0728.762.483
Schilde · Eq €84k
TEMPLAB
BE 0820.973.257
Trooz · Eq €83k
DB-S
BE 0756.644.342
Tielt-Winge · Eq €83k
Of 1,070 companies in sector 46140 we hold annual accounts for 640. 487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2006
Fiscal year end30-06
Activities, NACEBEL
46140Agents in the wholesale of industrial machinery, ships and aircraft
46190Agents in non-specialised wholesale trade
47551Retail sale of household furniture
47591Retail trade
52441
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.