STIP Consulting
ActiveSTIP Consulting has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €73k. Equity is growing by ~95.9% per year across the filed fiscal years. Its solvency ranks better than 82% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+8
Growth78=
Track record82
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days only on tighter terms
Liquidity ample (current ratio 5.63 against 2.91 in 2024; short-term debt: 17% and cash: 54.4% of total assets), and 17% 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 risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
83%
Return on assets
40.9%
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 27-03-2026, 126 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
126 d early
2024
22 d early
2023
98 d early
← 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 monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€149k▲ 96.9%
2024 · €76k
2023: €4k
2024: €76k
2023 → 2025
Total assets
€180k▲ 59.9%
2024 · €112k
2023: €5k
2024: €112k
2023 → 2025
Net result
€73k▲ 2.1%
2024 · €72k
2023: €-1k
2024: €72k
2023 → 2025
Working capital
€141k▲ 102%
2024 · €70k
2023: €4k
2024: €70k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€4k-€76k▲ 1,868%€149k▲ 96.9%
Operating result€-1k-€92k€94k▲ 1.8%
Net result€-1k-€72k€73k▲ 2.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€8k▲ 40.6%
Current assets
€172k▲ 60.9%
Equity and liabilities €180k
Equity
€149k▲ 96.9%
Debt
€30k▼ 16.8%
The debt ratio falls from 32.6% to 17.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▲
2024 · €93k
Cash flow
€75k▲
2024 · €73k
Solvency
83.0%▲
2024 · 67.4%
Current ratio
5.63▲
2024 · 2.91
Quick ratio
5.63▲
2024 · 2.91
Debt / equity
0.20▼
2024 · 0.48
ROE
49.2%▼
2024 · 94.9%
ROA
40.9%▼
2024 · 64.0%
Interest coverage
60.98▲
2024 · 59.75
Debt
€30k▼
2024 · €37k
Debt ≤ 1 year
€30k▼
2024 · €37k
Income taxes
€20k▲
2024 · €19k
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€112k€180k▲
Fixed assets21/28€6k€8k▲
Tangible fixed assets22/27€6k€8k▲
Plant, machinery and equipment23€4k€4k▲
Furniture and vehicles24€2k€4k▲
Current assets29/58€107k€172k▲
Amounts receivable within one year40/41€37k€70k▲
Trade receivables40€37k€39k▲
Other amounts receivable41€225€31k▲
Cash at bank and in hand54/58€70k€98k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€112k€180k▲
Equity10/15€76k€149k▲
Contributions10/11€5k€5k=
Reserves13€71k€144k▲
Distributable reserves133€71k€144k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€37k€30k▼
Amounts payable within one year42/48€37k€30k▼
Trade debts44€273€2k▲
Suppliers440/4€273€2k▲
Taxes, remuneration and social security45€36k€29k▼
Taxes450/3€36k€29k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€692▼
Gross operating margin9900€94k€96k▲
Operating profit (loss)9901€92k€94k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€91k€94k▲
Income taxes67/77€19k€20k▲
Profit (loss) for the period9904€72k€73k▲
Profit (loss) for the period to be appropriated9905€72k€73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€71k€73k▲
Profit (loss) brought forward from the previous period14P€-1k€0▲
Transfer to equity691/2€71k€73k▲
To other reserves6921€71k€73k▲
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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €73k ▲2.1%
Operating result €94k, net result €73k, both a record.
31-12
Financial
Equity above €100kEq €149k ▲96.9%
2 profitable years in a row build equity to €149k.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €72k
Net result €72k after one loss-making year.
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lokeren · 1 establishment unit since 2023
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.
Voermanstraat 119160 LokerenGround area
222 m²
Building footprint
119 m²
Volume, LiDAR
937 m³
Parcel 46384E0302/00F000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STIP Consulting
since 20232.353.218.317
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46384E0302/00F000 | Flanders | 222 m² | 1 · 118 m² | 11.8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,273 EUR awarded · 2,273 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,273 EUR | 2,273 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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IDJ INVEST
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,127 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2023
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.