STL & Co
ActiveSTL & Co has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €490k and a net result of €264. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 26% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+1
Solvency51▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 3.25 in 2024; short-term debt: 9.1% and cash: 5.9% of total assets), but 73.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
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
26.1%
Return on assets
0%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-05-2026, 11 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 · 10 filingsDeviation from the deadline
2025
11 d late
2024
20 d late
2023
on the day
2022
25 d late
2021
17 d late
2020
28 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€490k▲ 0.1%
2024 · €490k
2018: €488k
2019: €495k
2020: €496k
2021: €482k
2022: €485k
2023: €485k
2024: €490k
2018 → 2025
Total assets
€1.88M▲ 14.5%
2024 · €1.64M
2018: €1.37M
2019: €1.41M
2020: €1.40M
2021: €1.72M
2022: €1.71M
2023: €1.65M
2024: €1.64M
2018 → 2025
Net result
€264▼ 94.7%
2024 · €5k
2018: €311
2019: €347
2020: €426
2021: €-14k
2022: €96
2023: €128
2024: €5k
2018 → 2025
Working capital
€132k▼ 56.9%
2024 · €307k
2018: €368k
2019: €353k
2020: €379k
2021: €350k
2022: €327k
2023: €312k
2024: €307k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€482k-€485k▲ 0.6%€485k=€490k▲ 1.0%€490k▲ 0.1%
Operating result€9k-€24k▲ 184%€32k▲ 31.2%€39k▲ 24.0%€38k▼ 3.3%
Net result€-14k-€96€128▲ 34.0%€5k▲ 3,743%€264▼ 94.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.88M
Fixed assets
€1.57M▲ 31.5%
Current assets
€302k▼ 31.7%
Equity and liabilities €1.88M
Equity
€490k▲ 0.1%
Debt
€1.39M▲ 20.6%
The debt ratio rises from 70.1% to 73.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€117k▲
2024 · €96k
Cash flow
€79k▲
2024 · €61k
Solvency
26.1%▼
2024 · 29.9%
Current ratio
1.78▼
2024 · 3.25
Quick ratio
1.78▼
2024 · 3.25
Debt / equity
2.83▲
2024 · 2.35
ROE
0.1%▼
2024 · 1.0%
ROA
0.0%▼
2024 · 0.3%
Interest coverage
2.82▲
2024 · 2.66
Debt
€1.39M▲
2024 · €1.15M
Debt ≤ 1 year
€170k▲
2024 · €136k
Debt > 1 year
€1.18M▲
2024 · €994k
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€1.64M€1.88M▲
Fixed assets21/28€1.20M€1.57M▲
Tangible fixed assets22/27€1.20M€1.57M▲
Land and buildings22€1.18M€1.56M▲
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€5k€4k▼
Financial fixed assets28€550€550=
Current assets29/58€443k€302k▼
Amounts receivable within one year40/41€151k€92k▼
Trade receivables40€149k€91k▼
Other amounts receivable41€2k€398▼
Current investments50/53€141k€97k▼
Cash at bank and in hand54/58€136k€110k▼
Deferred charges and accrued income490/1€15k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.64M€1.88M▲
Equity10/15€490k€490k▲
Contributions10/11€350k€350k=
Revaluation surpluses12€17k€17k=
Reserves13€77k€77k=
Tax-exempt reserves132€174€174▼
Distributable reserves133€77k€77k=
Profit (loss) carried forward14€45k€45k▲
Amounts payable17/49€1.15M€1.39M▲
Amounts payable after more than one year17€994k€1.18M▲
Financial debts170/4€994k€1.18M▲
Other amounts payable178/9€800€800=
Amounts payable within one year42/48€136k€170k▲
Current portion of amounts payable after more than one year42€61k€61k=
Trade debts44€9k€36k▲
Suppliers440/4€9k€36k▲
Taxes, remuneration and social security45€14k€2k▼
Taxes450/3€14k€2k▼
Other amounts payable47/48€53k€71k▲
Accrued charges and deferred income492/3€19k€33k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€79k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€102k€123k▲
Operating profit (loss)9901€39k€38k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€36k€41k▲
Recurring financial charges65€36k€41k▲
Profit (loss) for the period before taxes9903€5k€264▼
Profit (loss) for the period9904€5k€264▼
Profit (loss) for the period to be appropriated9905€5k€264▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€45k▲
Profit (loss) brought forward from the previous period14P€40k€45k▲
The notes to these accounts (13 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
30-09
Financial
Highest result since 2018net €5k ▲3743%
Operating result €39k, net result €5k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
30-09
Financial
Back to profitnet €96
Net result €96 after one loss-making year.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
30-09
Financial
Weakest financial yearnet €-14k ▼3498%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 28 days late
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 18 days late
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Merelbeke-Melle · 2 establishment units since 2006
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.
Baron Arthur Verhaegenlaan 79820 Merelbeke-MelleGround area
2,042 m²
Building footprint
1,526 m²
Volume, LiDAR
37,007 m³
2 parcels, Brussels, Flanders · tallest building 34.2 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
STL & CO
since 20062.233.628.995
STL & CO
since 20142.236.106.752
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B1653/00D000 | Brussels | 1,736 m² | 1 · 1,302 m² | 34.2 m · 9 fl. |
| 44043A0666/00Z021 | Flanders | 306 m² | 1 · 224 m² | 9.0 m · 2 fl. |
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
Goesaert Architect
BE 0680.712.841
Kortrijk · Eq €490k
MJOSE VAN HEE ARCHITECTEN
BE 0841.797.969
Gent · Eq €490k
BUREAU D'ARCHITECTE HENRI DUMONT
BE 0472.299.433
Mons · Eq €489k
DIATEC
BE 0477.809.825
Gembloux · Eq €489k
Planet Interior
BE 0466.564.159
Herentals · Eq €489k
Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 4,031 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2006
Fiscal year end30-09
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.