STJERNE
ActiveSummary
STJERNE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €622k and a net result of €23k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 32% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability50▼-22
Solvency54▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 3.19 in 2023; short-term debt: 16.3% and cash: 8.4% of total assets), but 70.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-07-2025, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
11 d early
2023
31 d late
2022
211 d late
2021
152 d late
2020
92 d late
2019
120 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€622k▲ 3.8%
2023 · €599k
2018: €204klowest in 7 years
2019: €253k▲ +24.0% vs 2018
2020: €294k▲ +16.2% vs 2019
2021: €321k▲ +9.3% vs 2020
2022: €536k▲ +66.8% vs 2021
2023: €599k▲ +11.8% vs 2022
2024: €622k▲ +3.8% vs 2023highest in 7 years
2018 → 2024
Total assets
€2.13M▼ 1.0%
2023 · €2.15M
2018: €747klowest in 7 years
2019: €826k▲ +10.6% vs 2018
2020: €2.13M▲ +158% vs 2019
2021: €2.14M▲ +0.5% vs 2020
2022: €2.07M▼ -3.1% vs 2021
2023: €2.15M▲ +3.8% vs 2022highest in 7 years
2024: €2.13M▼ -1.0% vs 2023
2018 → 2024
Net result
€23k▼ 63.6%
2023 · €63k
2018: €22k
2019: €49k▲ +124% vs 2018
2020: €41k▼ -16.5% vs 2019
2021: €27k▼ -33.1% vs 2020
2022: €19k▼ -30.7% vs 2021lowest in 7 years
2023: €63k▲ +233% vs 2022highest in 7 years
2024: €23k▼ -63.6% vs 2023
2018 → 2024
Working capital
€668k▲ 0.1%
2023 · €668k
2018: €292k
2019: €405k▲ +38.6% vs 2018
2020: €285k▼ -29.6% vs 2019lowest in 7 years
2021: €435k▲ +52.7% vs 2020
2022: €619k▲ +42.1% vs 2021
2023: €668k▲ +7.9% vs 2022
2024: €668k▲ +0.1% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€294k-€321k▲ 9.3%€536k▲ 66.8%€599k▲ 11.8%€622k▲ 3.8%
2020: €294klowest in 5 years
2021: €321k▲ +9.3% vs 2020
2022: €536k▲ +66.8% vs 2021
2023: €599k▲ +11.8% vs 2022
2024: €622k▲ +3.8% vs 2023highest in 5 years
Operating result€61k-€46k▼ 24.2%€54k▲ 17.0%€96k▲ 77.8%€224k▲ 133%
2020: €61k
2021: €46k▼ -24.2% vs 2020lowest in 5 years
2022: €54k▲ +17.0% vs 2021
2023: €96k▲ +77.8% vs 2022
2024: €224k▲ +133% vs 2023highest in 5 years
Net result€41k-€27k▼ 33.1%€19k▼ 30.7%€63k▲ 233%€23k▼ 63.6%
2020: €41k
2021: €27k▼ -33.1% vs 2020
2022: €19k▼ -30.7% vs 2021lowest in 5 years
2023: €63k▲ +233% vs 2022highest in 5 years
2024: €23k▼ -63.6% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 133% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.13M
Fixed assets
€1.12M ▼ 5.4%
Current assets
€1.01M ▲ 4.3%
Equity and liabilities €2.13M
Equity
€622k ▲ 3.8%
Debt
€1.51M ▼ 2.9%
Debt's share of the balance-sheet total falls from 72.2% to 70.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€288k▲
2023 · €166k
Cash flow
€87k▼
2023 · €134k
Current ratio
2.93▼
2023 · 3.19
Debt to equity
2.42▼
2023 · 2.59
ROE
3.7%▼
2023 · 10.6%
ROA
1.1%▼
2023 · 2.9%
Interest coverage
3.58▼
2023 · 8.14
Debt ≤ 1 year
€346k▲
2023 · €305k
Debt > 1 year
€1.16M▼
2023 · €1.25M
Income taxes
€162k▲
2023 · €40k
Staff costs
€3k▼
2023 · €6k
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 · 2024 against 2023 · 53 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.15M€2.13M▼
Fixed assets21/28€1.18M€1.12M▼
Tangible fixed assets22/27€1.18M€1.12M▼
Land and buildings22€1.18M€1.12M▼
Furniture and vehicles24€3k€0▼
Current assets29/58€972k€1.01M▲
Amounts receivable within one year40/41€888k€743k▼
Trade receivables40€214k€26k▼
Other amounts receivable41€674k€717k▲
Current investments50/53€72k€93k▲
Cash at bank and in hand54/58€12k€179k▲
Deferred charges and accrued income490/1€858€858=
Equity and liabilities
Total equity and liabilities10/49€2.15M€2.13M▼
Equity10/15€599k€622k▲
Contributions10/11€6k€6k=
Capital10€6k-
Issued capital100€19k-
Uncalled capital101€12k-
Reserves13€102k€502k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Distributable reserves133€100k€500k▲
Profit (loss) carried forward14€491k€114k▼
Amounts payable17/49€1.55M€1.51M▼
Amounts payable after more than one year17€1.25M€1.16M▼
Financial debts170/4€1.25M€1.16M▼
Amounts payable within one year42/48€305k€346k▲
Current portion of amounts payable after more than one year42€85k€86k▲
Trade debts44€20k€1k▼
Suppliers440/4€20k€1k▼
Advances received on contracts in progress46€40k€36k▼
Taxes, remuneration and social security45€79k€134k▲
Taxes450/3€79k€134k▲
Other amounts payable47/48€81k€90k▲
Accrued charges and deferred income492/3€550€550=
Income statement
Code20232024
Remuneration, social security and pensions62€6k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€64k▼
Other operating charges640/8€10k€11k▲
Gross operating margin9900€182k€302k▲
Operating profit (loss)9901€96k€224k▲
Financial income75/76B€28k€42k▲
Recurring financial income75€28k€42k▲
Financial charges65/66B€20k€81k▲
Recurring financial charges65€20k€81k▲
Profit (loss) for the period before taxes9903€103k€185k▲
Income taxes67/77€40k€162k▲
Profit (loss) for the period9904€63k€23k▼
Profit (loss) for the period to be appropriated9905€63k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€591k€514k▼
Profit (loss) brought forward from the previous period14P€528k€491k▼
Transfer to equity691/2€100k€400k▲
To other reserves6921€100k€400k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €6k | €4k | €6k | €3k | ▼ 50.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27k | €50k | €68k | €70k | €64k | ▼ 9.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €13k | - | - | - | - |
| Other operating charges640/8 | - | €11k | €33k | €10k | €11k | ▲ 7.4% |
| Gross operating margin9900 | €103k | €125k | €160k | €182k | €302k | ▲ 65.5% |
| Operating profit (loss)9901 | €61k | €46k | €54k | €96k | €224k | ▲ 133% |
| Financial income75/76B | - | €32k | €41k | €28k | €42k | ▲ 51.5% |
| Recurring financial income75 | €24k | €32k | €41k | €28k | €42k | ▲ 51.5% |
| Financial charges65/66B | - | €36k | €27k | €20k | €81k | ▲ 293% |
| Recurring financial charges65 | €44k | €36k | €27k | €20k | €81k | ▲ 293% |
| Profit (loss) for the period before taxes9903 | €41k | €42k | €69k | €103k | €185k | ▲ 79.7% |
| Income taxes67/77 | - | €14k | €50k | €40k | €162k | ▲ 306% |
| Profit (loss) for the period9904 | €41k | €27k | €19k | €63k | €23k | ▼ 63.6% |
| Profit (loss) for the period to be appropriated9905 | €41k | €27k | €19k | €63k | €23k | ▼ 63.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.13M | €2.14M | €2.07M | €2.15M | €2.13M | ▼ 1.0% |
| Fixed assets21/28 | €1.53M | €1.31M | €1.25M | €1.18M | €1.12M | ▼ 5.4% |
| Tangible fixed assets22/27 | €1.53M | €1.31M | €1.25M | €1.18M | €1.12M | ▼ 5.4% |
| Land and buildings22 | - | €1.30M | €1.24M | €1.18M | €1.12M | ▼ 5.2% |
| Furniture and vehicles24 | - | €9k | €12k | €3k | €0 | ▼ 100% |
| Current assets29/58 | €604k | €831k | €824k | €972k | €1.01M | ▲ 4.3% |
| Amounts receivable within one year40/41 | €568k | €775k | €660k | €888k | €743k | ▼ 16.4% |
| Trade receivables40 | - | €138k | €12k | €214k | €26k | ▼ 88.1% |
| Other amounts receivable41 | - | €638k | €647k | €674k | €717k | ▲ 6.4% |
| Current investments50/53 | - | €55k | €72k | €72k | €93k | ▲ 29.4% |
| Cash at bank and in hand54/58 | €36k | - | €92k | €12k | €179k | ▲ 1,439% |
| Deferred charges and accrued income490/1 | - | €840 | €858 | €858 | €858 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.13M | €2.14M | €2.07M | €2.15M | €2.13M | ▼ 1.0% |
| Equity10/15 | €294k | €321k | €536k | €599k | €622k | ▲ 3.8% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Capital10 | - | €6k | - | €6k | - | - |
| Issued capital100 | - | €19k | - | €19k | - | - |
| Uncalled capital101 | - | €12k | - | €12k | - | - |
| Reserves13 | €2k | €2k | €2k | €102k | €502k | ▲ 393% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | - | €2k | - | - |
| Reserves not available under the articles1311 | - | - | €2k | - | €2k | - |
| Distributable reserves133 | - | - | - | €100k | €500k | ▲ 400% |
| Profit (loss) carried forward14 | €286k | €313k | €528k | €491k | €114k | ▼ 76.8% |
| Amounts payable17/49 | €1.84M | €1.82M | €1.54M | €1.55M | €1.51M | ▼ 2.9% |
| Amounts payable after more than one year17 | €1.52M | €1.42M | €1.33M | €1.25M | €1.16M | ▼ 6.9% |
| Financial debts170/4 | - | €1.42M | €1.33M | €1.25M | €1.16M | ▼ 6.9% |
| Amounts payable within one year42/48 | €319k | €396k | €205k | €305k | €346k | ▲ 13.6% |
| Current portion of amounts payable after more than one year42 | - | €242k | €90k | €85k | €86k | ▲ 1.7% |
| Financial debts43 | - | €12 | - | - | - | - |
| Credit institutions430/8 | - | €12 | - | - | - | - |
| Trade debts44 | €5k | €16k | €10k | €20k | €1k | ▼ 94.0% |
| Suppliers440/4 | - | €16k | €10k | €20k | €1k | ▼ 94.0% |
| Advances received on contracts in progress46 | - | €58k | €19k | €40k | €36k | ▼ 11.7% |
| Taxes, remuneration and social security45 | - | €18k | €35k | €79k | €134k | ▲ 69.4% |
| Taxes450/3 | - | €18k | €35k | €79k | €134k | ▲ 69.4% |
| Other amounts payable47/48 | - | €62k | €52k | €81k | €90k | ▲ 11.1% |
| Accrued charges and deferred income492/3 | - | €550 | €550 | €550 | €550 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41k | €27k | €19k | €63k | €23k | ▼ 63.6% |
| + Depreciation and write-downs630 | €27k | €50k | €68k | €70k | €64k | ▼ 9.4% |
| Operating cash flow (approximation) | €68k | €77k | €87k | €134k | €87k | ▼ 35.0% |
| Investment in fixed assets (approximation) | - | €167k | €-10k | €0 | €0 | - |
| Change in cash | - | - | - | €-80k | €167k | ▲ 308% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
20-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 211 days late
2023
31-12
Financial
Highest result since 2018net €63k ▲233%
Net result €63k, the highest in the series.
2022
31-12
Financial
Weakest financial yearnet €19k ▼30.7%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €536k ▲66.8%
5 profitable years in a row build equity to €536k.
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
2020
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 120 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
10-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 253 days late
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Schilde · 1 establishment unit since 2008
Ground area
533 m²
Building footprint
199 m²
Volume, LiDAR
1,228 m³
Parcel 11039D0404/00H000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
STJERNE
since 20082.171.906.511
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0404/00H000 | Flanders | 533 m² | 1 · 199 m² | 10.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900UWOK3OYTHHQ932
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Of 11,218 companies in sector 82100 we hold annual accounts for 3,511. 1,848 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-04-2008
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
Scores and ratios are computed by Checked and are not a credit decision.