STK X PRO
ActiveThe computed 12-month bankruptcy probability of STK X PRO is 1.7% (moderate). The 2025 annual accounts show equity of €203k and a net result of €42k. Equity is growing by ~36% per year across the filed fiscal years. Its solvency ranks better than 68% of 7415 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency86▼-8
Growth85=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 3.18 in 2024; short-term debt: 32.6% and cash: 25.3% of total assets), and 39.3% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
60.7%
Return on assets
12.7%
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 18-07-2026, 13 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
13 d early
2024
166 d late
2023
385 d late
2022
759 d late
2021
78 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€875k▲ 138%
2022 · €367k
2021: €150k
2022: €367k
2021 → 2023
EBIT margin
20.0%▲ 1.0pp
2022 · 18.9%
2021: 27.7%
2022: 18.9%
2021 → 2023
Net result
€42k▼ 76.0%
2024 · €176k
2021: €41k
2022: €52k
2023: €143k
2024: €176k
2021 → 2025
Working capital
€82k▼ 68.8%
2024 · €263k
2021: €59k
2022: €97k
2023: €245k
2024: €263k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€150k-€367k▲ 145%€875k▲ 138%
Equity€60k-€111k▲ 86.3%€254k▲ 129%€349k▲ 37.2%€203k▼ 41.8%
Operating result€41k-€69k▲ 67.7%€175k▲ 152%€238k▲ 36.1%€54k▼ 77.4%
Net result€41k-€52k▲ 25.3%€143k▲ 178%€176k▲ 23.0%€42k▼ 76.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 77% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €335k
Fixed assets
€144k▲ 17.8%
Current assets
€191k▼ 50.1%
Equity and liabilities €335k
Equity
€203k▼ 41.8%
Debt
€131k▼ 15.6%
The debt ratio rises from 30.8% to 39.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€67k▼
2024 · €261k
Cash flow
€55k▼
2024 · €199k
Solvency
60.7%▼
2024 · 69.2%
Current ratio
1.75▼
2024 · 3.18
Quick ratio
1.75▼
2024 · 3.18
Debt / equity
0.65▲
2024 · 0.45
ROE
20.8%▼
2024 · 50.5%
ROA
12.7%▼
2024 · 34.9%
Interest coverage
32.67▼
2024 · 39.56
Debt
€131k▼
2024 · €156k
Debt ≤ 1 year
€109k▼
2024 · €120k
Debt > 1 year
€22k▼
2024 · €35k
Income taxes
€11k▼
2024 · €57k
Staff costs
€38k▼
2024 · €52k
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€505k€335k▼
Fixed assets21/28€122k€144k▲
Tangible fixed assets22/27€122k€144k▲
Land and buildings22€19k€18k▼
Furniture and vehicles24€96k€119k▲
Leasing and similar rights25€7k€7k▼
Current assets29/58€383k€191k▼
Amounts receivable within one year40/41€146k€105k▼
Trade receivables40€128k€34k▼
Other amounts receivable41€18k€70k▲
Cash at bank and in hand54/58€237k€85k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€505k€335k▼
Equity10/15€349k€203k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€330k€185k▼
Amounts payable17/49€156k€131k▼
Amounts payable after more than one year17€35k€22k▼
Financial debts170/4€35k€22k▼
Amounts payable within one year42/48€120k€109k▼
Trade debts44€70k€97k▲
Suppliers440/4€70k€97k▲
Taxes, remuneration and social security45€50k€7k▼
Taxes450/3€50k-
Remuneration and social security454/9€239€7k▲
Other amounts payable47/48-€5k
Income statement
Code20242025
Remuneration, social security and pensions62€52k€38k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€13k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€315k€109k▼
Operating profit (loss)9901€238k€54k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€7k€2k▼
Recurring financial charges65€7k€2k▼
Profit (loss) for the period before taxes9903€233k€53k▼
Income taxes67/77€57k€11k▼
Profit (loss) for the period9904€176k€42k▼
Profit (loss) for the period to be appropriated9905€176k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€412k€373k▼
Profit (loss) brought forward from the previous period14P€236k€330k▲
Profit to be distributed694/7€82k€188k▲
Return on contributions (dividend)694€82k€188k▲
The notes to these accounts (6 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 166 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 759 days late
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 385 days late
2024
31-12
Financial
Highest result since 2021net €176k ▲23%
Operating result €238k, net result €176k, both a record.
2023
31-12
Financial
Equity above €200kEq €254k ▲129%
3 profitable years in a row build equity to €254k.
2022
31-12
Financial
Equity above €100kEq €111k ▲86.3%
2 profitable years in a row build equity to €111k.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Dilbeek · 1 establishment unit since 2020
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.
Alfons Gossetlaan 301702 DilbeekGround area
1.9 ha
Building footprint
865 m²
Volume, LiDAR
33,994 m³
2 parcels, Flanders · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
STK X PRO
since 20202.309.148.247
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
| 23026A0154/00H000 | Flanders | 7,689 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
MINIM CONSTRUCTION
BE 0800.830.119
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Imadu
BE 0783.932.521
Deinze · Eq €203k
SPD CONSTRUCT
BE 0476.005.724
Berlaar · Eq €203k
CONTRERAS & STOCKMAN
BE 0803.591.649
Frasnes-lez-Anvaing · Eq €203k
123 Construct
BE 0763.380.397
Gent · Eq €203k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 12,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-11-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43222Installation of electric heating, air conditioning, cooling and ventilation
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:STK.XPRO@GMAIL.COM
Phone:0489579017