STO Management
ActiveSTO Management has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €-8k. Equity is shrinking by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 24% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-67
Solvency46▲+1
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.56 in 2024; short-term debt: 60.1% and cash: 0.6% of total assets), and 79.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.8%
Return on assets
-7.4%
Age of the figures
12 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 31697 sector peers (2025).
NBB · sector comparisonPosition among 31697 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
1 d early
2022
30 d early
2021
30 d early
2020
24 d early
2019
160 d late
← 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
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 26.2%
2024 · €30k
2018: €26k
2019: €81k
2020: €72k
2021: €86k
2022: €105k
2023: €35k
2024: €30k
2018 → 2025
Total assets
€106k▼ 30.1%
2024 · €152k
2018: €70k
2019: €122k
2020: €124k
2021: €147k
2022: €171k
2023: €160k
2024: €152k
2018 → 2025
Net result
€-8k
2024 · €25k
2018: €-5k
2019: €54k
2020: €31k
2021: €15k
2022: €12k
2023: €15k
2024: €25k
2018 → 2025
Working capital
€20k▼ 53.1%
2024 · €43k
2018: €22k
2019: €78k
2020: €65k
2021: €64k
2022: €72k
2023: €12k
2024: €43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€105k▲ 21.4%€35k▼ 67.1%€30k▼ 13.5%€22k▼ 26.2%
Operating result€22k-€19k▼ 11.7%€26k▲ 33.6%€41k▲ 60.1%€-2k
Net result€15k-€12k▼ 17.1%€15k▲ 20.1%€25k▲ 72.0%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €41k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€22k▼ 28.8%
Current assets
€84k▼ 30.5%
Equity and liabilities €106k
Equity
€22k▼ 26.2%
Debt
€84k▼ 31.1%
The debt ratio falls from 80.3% to 79.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €47k
Cash flow
€1k▼
2024 · €31k
Solvency
20.8%▲
2024 · 19.7%
Current ratio
1.32▼
2024 · 1.56
Quick ratio
1.32▼
2024 · 1.56
Debt / equity
3.81▼
2024 · 4.08
ROE
-35.5%▼
2024 · 84.9%
ROA
-7.4%▼
2024 · 16.7%
Interest coverage
0.73▼
2024 · 5.15
Debt
€84k▼
2024 · €122k
Debt ≤ 1 year
€64k▼
2024 · €78k
Income taxes
€757▼
2024 · €12k
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€152k€106k▼
Fixed assets21/28€31k€22k▼
Tangible fixed assets22/27€31k€22k▼
Plant, machinery and equipment23€19k€14k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€500€500=
Current assets29/58€121k€84k▼
Amounts receivable within one year40/41€105k€79k▼
Trade receivables40€16k€11k▼
Other amounts receivable41€88k€69k▼
Current investments50/53€300€300=
Cash at bank and in hand54/58€5k€609▼
Deferred charges and accrued income490/1€10k€4k▼
Equity and liabilities
Total equity and liabilities10/49€152k€106k▼
Equity10/15€30k€22k▼
Contributions10/11€19k€19k=
Reserves13€941€941=
Non-distributable reserves130/1€941€941=
Reserves not available under the articles1311€941€941=
Profit (loss) carried forward14€10k€2k▼
Amounts payable17/49€122k€84k▼
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€78k€64k▼
Current portion of amounts payable after more than one year42€10k€12k▲
Financial debts43€9k€11k▲
Credit institutions430/8€9k€11k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€39k€15k▼
Taxes450/3€39k€15k▼
Other amounts payable47/48€18k€18k=
Accrued charges and deferred income492/3€38k€20k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€5k€3k▼
Non-recurring operating charges66A-€14k
Gross operating margin9900€53k€24k▼
Operating profit (loss)9901€41k€-2k▼
Financial income75/76B€6k€4k▼
Recurring financial income75€6k€4k▼
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€38k€-7k▼
Income taxes67/77€12k€757▼
Profit (loss) for the period9904€25k€-8k▼
Profit (loss) for the period to be appropriated9905€25k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€2k▼
Profit (loss) brought forward from the previous period14P€15k€10k▼
Profit to be distributed694/7€30k-
Return on contributions (dividend)694€30k-
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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-8k ▼131%
Net result drops to €-8k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100kEq €105k ▲21.4%
4 profitable years in a row build equity to €105k.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 160 days late
2019
30-09
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 122 days late
2018
08-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-03
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, La Hulpe · 1 establishment unit since 2013
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.
Bois d'Hennessy 2B1310 La HulpeGround area
1,656 m²
Building footprint
247 m²
Volume, LiDAR
1,018 m³
Parcel 25050B0021/00C005, Wallonia · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
STO MANAGEMENT
since 20132.220.853.107
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050B0021/00C005 | Wallonia | 1,656 m² | 1 · 246 m² | 7.5 m · 1 fl. |
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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 31,616 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2013
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.