STIV
ActiveSTIV has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.26M and a net result of €-144k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 22% of 4501 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-17
Solvency34▼-11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity short (current ratio 0.21 against 0.06 in 2024; short-term debt: 26.1% and cash: 0.3% of total assets), and 91.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 68
Relative position
BE, all sectors
reference
Sector 68
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
8.9%
Return on assets
-0.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 4501 sector peers (2025).
NBB · sector comparisonPosition among 4501 sector peers
Solvency
better than 22%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
16 d early
2024
8 d early
2023
5 d early
2022
14 d early
2021
12 d early
2020
15 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-144k
2024 · €169k
2021: €175k
2022: €232k
2023: €131k
2024: €169k
2021 → 2025
Working capital
€-5.28M▲ 19.0%
2024 · €-6.52M
2021: €672k
2022: €473k
2023: €-986k
2024: €-6.52M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.87M-€2.10M▲ 12.4%€2.24M▲ 6.3%€2.40M▲ 7.6%€2.26M▼ 6.0%
Operating result€271k-€310k▲ 14.3%€268k▼ 13.3%€418k▲ 55.8%€391k▼ 6.4%
Net result€175k-€232k▲ 32.5%€131k▼ 43.4%€169k▲ 28.8%€-144k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25.54M
Fixed assets
€24.16M▲ 113%
Current assets
€1.38M▲ 204%
Equity and liabilities €25.54M
Equity
€2.26M▼ 6.0%
Debt
€23.28M▲ 148%
The debt ratio rises from 79.6% to 91.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€570k▼
2024 · €597k
Cash flow
€34k▼
2024 · €348k
Solvency
8.9%▼
2024 · 20.4%
Current ratio
0.21▲
2024 · 0.06
Quick ratio
0.21▲
2024 · 0.06
Debt / equity
10.30▲
2024 · 3.91
ROE
-6.4%▼
2024 · 7.0%
ROA
-0.6%▼
2024 · 1.4%
Interest coverage
1.03▼
2024 · 2.80
Debt
€23.28M▲
2024 · €9.39M
Debt ≤ 1 year
€6.66M▼
2024 · €6.97M
Debt > 1 year
€16.62M▲
2024 · €2.42M
Income taxes
€0▼
2024 · €59k
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€11.80M€25.54M▲
Fixed assets21/28€11.34M€24.16M▲
Tangible fixed assets22/27€10.86M€22.08M▲
Land and buildings22€4.81M€4.63M▼
Assets under construction and advance payments27€6.05M€17.44M▲
Financial fixed assets28€485k€2.08M▲
Current assets29/58€452k€1.38M▲
Amounts receivable within one year40/41€72k€1.13M▲
Trade receivables40€3k€1.05M▲
Other amounts receivable41€69k€84k▲
Cash at bank and in hand54/58€306k€81k▼
Deferred charges and accrued income490/1€74k€165k▲
Equity and liabilities
Total equity and liabilities10/49€11.80M€25.54M▲
Equity10/15€2.40M€2.26M▼
Contributions10/11€1.01M€1.01M=
Capital10€1.01M€1.01M=
Issued capital100€1.01M€1.01M=
Reserves13€1.23M€1.23M=
Non-distributable reserves130/1€101k€101k=
Legal reserve130€101k€101k=
Distributable reserves133€1.12M€1.12M=
Profit (loss) carried forward14€169k€25k▼
Amounts payable17/49€9.39M€23.28M▲
Amounts payable after more than one year17€2.42M€16.62M▲
Financial debts170/4€2.42M€16.62M▲
Amounts payable within one year42/48€6.97M€6.66M▼
Current portion of amounts payable after more than one year42€330k€848k▲
Financial debts43€1.21M-
Credit institutions430/8€1.21M-
Trade debts44€4.62M€2.82M▼
Suppliers440/4€4.62M€2.82M▼
Taxes, remuneration and social security45€9k€9k=
Taxes450/3€9k€9k=
Other amounts payable47/48€803k€2.98M▲
Accrued charges and deferred income492/3€851-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€179k€178k=
Other operating charges640/8€42k€44k▲
Gross operating margin9900€639k€613k▼
Operating profit (loss)9901€418k€391k▼
Financial income75/76B€24k€20k▼
Recurring financial income75€24k€20k▼
Financial charges65/66B€213k€556k▲
Recurring financial charges65€213k€556k▲
Profit (loss) for the period before taxes9903€229k€-144k▼
Income taxes67/77€59k€0▼
Profit (loss) for the period9904€169k€-144k▼
Profit (loss) for the period to be appropriated9905€169k€-144k▼
Appropriation of the result
Profit (loss) to be appropriated9906€301k€25k▼
Profit (loss) brought forward from the previous period14P€131k€169k▲
Transfer to equity691/2€131k-
To other reserves6921€131k-
The notes to these accounts (16 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-144k ▼185%
Net result drops to €-144k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2021net €232k ▲32.5%
Net result €232k, the highest in the series.
31-12
Financial
Equity above €2MEq €2.10M ▲12.4%
2 profitable years in a row build equity to €2.10M.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
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, Deerlijk
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.
Nijverheidslaan 318540 DeerlijkGround area
1.5 ha
Building footprint
3,607 m²
Parcel 34009B0100/00K000, Flanders. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34009B0100/00K000 | Flanders | 1.5 ha | 1 · 3,607 m² | - |
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
PIESSENS INVEST
BE 0448.552.942
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Vivag Invest
BE 0842.556.351
Kortrijk · Eq €2.28M
CHAMI
BE 0821.476.865
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Algemene Bouwhandels- en Transportkantoor
BE 0403.637.784
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MUNCKBOS
BE 0441.212.616
Zottegem · Eq €2.23M
Of 3,765 companies in sector 68321 we hold annual accounts for 1,390. 623 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-10-2019
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.