StiPt
ActiveStiPt 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 €201k and a net result of €9k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 19% of 7954 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 7954 sector peers (2025).
NBB · sector comparisonPosition among 7954 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 8 filingsDeviation from the deadline
2025
30 d late
2024
59 d late
2023
7 d late
2022
30 d late
2021
117 d late
2020
80 d late
2019
91 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 monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€201k▲ 4.6%
2024 · €192k
2018: €24k
2019: €10k
2020: €-44k
2021: €104k
2022: €137k
2023: €168k
2024: €192k
2018 → 2025
Net result
€9k▼ 63.5%
2024 · €24k
2018: €5k
2019: €-14k
2020: €-54k
2021: €148k
2022: €34k
2023: €30k
2024: €24k
2018 → 2025
Total assets
€1.49M▼ 5.3%
2024 · €1.57M
2018: €387k
2019: €371k
2020: €799k
2021: €1.69M
2022: €1.65M
2023: €1.63M
2024: €1.57M
2018 → 2025
Solvency
13.5%▲ 1.3pp
2024 · 12.2%
2018: 6.2%
2019: 2.7%
2020: -5.5%
2021: 6.1%
2022: 8.3%
2023: 10.3%
2024: 12.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€137k▲ 32.5%€168k▲ 22.1%€192k▲ 14.5%€201k▲ 4.6%
Operating result€147k-€47k▼ 67.9%€43k▼ 8.3%€37k▼ 15.3%€21k▼ 42.4%
Net result€148k-€34k▼ 77.3%€30k▼ 9.7%€24k▼ 19.8%€9k▼ 63.5%
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 four years in a row; 2025 is 42% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.49M
Fixed assets
€1.43M▼ 3.7%
Current assets
€59k▼ 33.1%
Equity and liabilities €1.49M
Equity
€201k▲ 4.6%
Debt
€1.29M▼ 6.7%
The debt ratio falls from 87.8% to 86.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
13.5%▲
2024 · 12.2%
ROE
4.4%▼
2024 · 12.7%
ROA
0.6%▼
2024 · 1.6%
Debt
€1.29M▼
2024 · €1.38M
Debt ≤ 1 year
€161k▼
2024 · €168k
Debt > 1 year
€1.13M▼
2024 · €1.21M
Income taxes
€2k
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€1.57M€1.49M▼
Fixed assets21/28€1.48M€1.43M▼
Tangible fixed assets22/27€1.48M€1.43M▼
Land and buildings22€1.48M€1.43M▼
Furniture and vehicles24€417€55▼
Current assets29/58€87k€59k▼
Amounts receivable within one year40/41€59k€54k▼
Trade receivables40€5k-
Other amounts receivable41€54k€54k=
Cash at bank and in hand54/58€29k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.49M▼
Equity10/15€192k€201k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€172k€181k▲
Amounts payable17/49€1.38M€1.29M▼
Amounts payable after more than one year17€1.21M€1.13M▼
Financial debts170/4€1.21M€1.13M▼
Amounts payable within one year42/48€168k€161k▼
Current portion of amounts payable after more than one year42€85k€87k▲
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€16k€8k▼
Other amounts payable47/48€60k€63k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€55k=
Other operating charges640/8€10k€10k▲
Gross operating margin9900€102k€87k▼
Operating profit (loss)9901€37k€21k▼
Financial income75/76B€0€10▲
Recurring financial income75€0€10▲
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€24k€10k▼
Income taxes67/77-€2k
Profit (loss) for the period9904€24k€9k▼
Profit (loss) for the period to be appropriated9905€24k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€172k€181k▲
Profit (loss) brought forward from the previous period14P€147k€172k▲
The notes to these accounts (9 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Equity above €200kEq €201k ▲4.6%
5 profitable years in a row build equity to €201k.
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Equity above €150kEq €168k ▲22.1%
3 profitable years in a row build equity to €168k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 117 days late
2021
31-12
Financial
Back to profitnet €148k
Net result €148k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €104k
Equity rises from €-44k to €104k.
19-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 80 days late
2020
31-12
Financial
Weakest financial yearnet €-54k
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 1.16
Current ratio from 0.36 to 1.16; short-term debt falls from €124k to €44k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Genk · 1 establishment unit since 2017
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.
Heeldstraat 533600 GenkGround area
1,208 m²
Building footprint
290 m²
Volume, LiDAR
3,971 m³
Parcel 71303B0794/00N000, Flanders · tallest building 21.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Heeldstraat 53, 3600 Genk
since 20172.263.924.471
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71303B0794/00N000 | Flanders | 1,208 m² | 1 · 290 m² | 21.4 m · 5 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.
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Of 24,641 companies in sector 64210 we hold annual accounts for 19,693. 13,479 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
52100Warehousing and storage
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.