STL VISUALS & GRPHX
ActiveSTL VISUALS & GRPHX has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €215k and a net result of €21k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 4.04 against 5.38 in 2024; short-term debt: 17.9% and cash: 62.8% of total assets), and 24.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
75.4%
Return on assets
7.2%
Age of the figures
15 mo
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 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
51 d early
2023
68 d early
2022
1 d early
2021
34 d early
2020
12 d late
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€215k▼ 2.8%
2024 · €221k
2019: €140k
2020: €157k
2021: €165k
2022: €179k
2023: €200k
2024: €221k
2019 → 2025
Total assets
€286k▲ 4.3%
2024 · €274k
2019: €158k
2020: €180k
2021: €193k
2022: €248k
2023: €268k
2024: €274k
2019 → 2025
Net result
€21k▼ 4.7%
2024 · €22k
2019: €27k
2020: €17k
2021: €7k
2022: €14k
2023: €21k
2024: €22k
2019 → 2025
Working capital
€156k▼ 21.8%
2024 · €199k
2019: €118k
2020: €109k
2021: €121k
2022: €148k
2023: €170k
2024: €199k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€179k▲ 8.4%€200k▲ 11.9%€221k▲ 10.8%€215k▼ 2.8%
Operating result€12k-€21k▲ 82.4%€33k▲ 53.5%€32k▼ 1.9%€30k▼ 6.3%
Net result€7k-€14k▲ 87.5%€21k▲ 53.0%€22k▲ 2.0%€21k▼ 4.7%
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 two years in a row; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€79k▲ 171%
Current assets
€207k▼ 15.4%
Equity and liabilities €286k
Equity
€215k▼ 2.8%
Debt
€70k▲ 34.1%
The debt ratio rises from 19.2% to 24.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€53k▲
2024 · €41k
Cash flow
€43k▲
2024 · €31k
Solvency
75.4%▼
2024 · 80.8%
Current ratio
4.04▼
2024 · 5.38
Quick ratio
4.04▼
2024 · 5.38
Debt / equity
0.33▲
2024 · 0.24
ROE
9.6%▼
2024 · 9.8%
ROA
7.2%▼
2024 · 7.9%
Interest coverage
31.94▼
2024 · 49.23
Debt
€70k▲
2024 · €52k
Debt ≤ 1 year
€51k▲
2024 · €46k
Debt > 1 year
€19k▲
2024 · €7k
Income taxes
€8k▼
2024 · €10k
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€274k€286k▲
Fixed assets21/28€29k€79k▲
Tangible fixed assets22/27€29k€79k▲
Plant, machinery and equipment23€13k€8k▼
Furniture and vehicles24€484€57k▲
Other tangible fixed assets26€15k€13k▼
Current assets29/58€245k€207k▼
Amounts receivable within one year40/41€43k€26k▼
Trade receivables40€34k€23k▼
Other amounts receivable41€9k€3k▼
Cash at bank and in hand54/58€200k€179k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€274k€286k▲
Equity10/15€221k€215k▼
Contributions10/11€12k€12k=
Reserves13€110k€104k▼
Distributable reserves133€110k€104k▼
Profit (loss) carried forward14€99k€99k=
Amounts payable17/49€52k€70k▲
Amounts payable after more than one year17€7k€19k▲
Financial debts170/4€7k€19k▲
Amounts payable within one year42/48€46k€51k▲
Current portion of amounts payable after more than one year42€1k€7k▲
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€24k€20k▼
Taxes450/3€24k€14k▼
Remuneration and social security454/9-€6k
Other amounts payable47/48€17k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€23k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€43k€54k▲
Operating profit (loss)9901€32k€30k▼
Financial income75/76B€338€297▼
Recurring financial income75€338€297▼
Financial charges65/66B€835€2k▲
Recurring financial charges65€835€2k▲
Profit (loss) for the period before taxes9903€31k€29k▼
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€22k€21k▼
Profit (loss) for the period to be appropriated9905€22k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€121k€120k▼
Profit (loss) brought forward from the previous period14P€99k€99k=
Transfer from equity791/2-€27k
Transfer to equity691/2€22k€21k▼
To other reserves6921€22k€21k▼
Profit to be distributed694/7-€27k
Return on contributions (dividend)694-€27k
The notes to these accounts (8 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
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Equity above €200kEq €221k ▲10.8%
6 profitable years in a row build equity to €221k.
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €7k ▼57.5%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
12-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
30-06
Financial
Equity above €150kEq €157k ▲12.4%
2 profitable years in a row build equity to €157k.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Destelbergen · 1 establishment unit since 2011
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.
Berenbosdreef(HEU) 89070 DestelbergenGround area
1,640 m²
Building footprint
307 m²
Volume, LiDAR
1,257 m³
2 parcels, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BVBA STL Visuals & GRPHX
since 20112.204.546.813
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028C0576/00F000 | Flanders | 1,532 m² | 1 · 241 m² | 4.8 m · 1 fl. |
| 44363B0351/00E005 | Flanders | 108 m² | 1 · 66 m² | 12.5 m · 3 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.
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Of 9,857 companies in sector 73110 we hold annual accounts for 3,754. 2,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-2011
Fiscal year end30-06
Activities, NACEBEL
73110Advertising agencies
74201Photography, excluding press photography
90201Performing arts by independent artists
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.