STÔME
ActiveSummary
STÔME has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.51M and a net result of €97k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability41▼-3
Solvency65▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 2.04 against 2.1 in 2024; short-term debt: 23.5% and cash: 3.3% of total assets), but 60.2% of the assets are financed with debt.
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Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% 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
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
39.8%
Return on assets
1.5%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
on the day
2023
2 d late
2022
25 d early
2021
2 d late
2020
9 d early
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, abbreviated schema
Equity
€2.51M▲ 4.0%
2024 · €2.42M
Total assets
€6.31M▼ 11.0%
2024 · €7.09M
Net result
€97k▼ 82.9%
2024 · €566k
Working capital
€1.55M▼ 20.2%
2024 · €1.94M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€247k▼ 73.7%€181k▼ 26.6%€69k▼ 61.7%€181k▲ 161%€257k▲ 42.2%
Net result€276k▼ 59.4%€380k▲ 37.6%€24k▼ 93.8%€566k▲ 2,289%€97k▼ 82.9%
Equity€1.45M▲ 23.6%€1.83M▲ 26.3%€1.85M▲ 1.3%€2.42M▲ 30.6%€2.51M▲ 4.0%
Total assets€4.86M▲ 16.5%€4.55M▼ 6.5%€6.35M▲ 39.6%€7.09M▲ 11.7%€6.31M▼ 11.0%
Debt€3.34M▲ 14.4%€2.65M▼ 20.6%€4.43M▲ 67.4%€4.62M▲ 4.1%€3.75M▼ 18.8%
Working capital€2.60M▲ 49.0%€2.12M▼ 18.6%€1.75M▼ 17.2%€1.94M▲ 10.7%€1.55M▼ 20.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.31M
Fixed assets
€3.28M ▼ 3.1%
Current assets
€3.03M ▼ 18.2%
Equity and liabilities €6.31M
Equity
€2.51M ▲ 4.0%
Provisions
€53k ▼ 11.6%
Debt
€3.75M ▼ 18.8%
Debt's share of the balance-sheet total falls from 65.1% to 59.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€372k▲
2024 · €296k
Cash flow
€211k▼
2024 · €682k
Current ratio
2.04▼
2024 · 2.10
Quick ratio
0.94▲
2024 · 0.79
Debt to equity
1.49▼
2024 · 1.91
ROE
3.9%▼
2024 · 23.4%
ROA
1.5%▼
2024 · 8.0%
Interest coverage
2.43▲
2024 · 1.82
Debt ≤ 1 year
€1.48M▼
2024 · €1.76M
Debt > 1 year
€2.26M▼
2024 · €2.65M
Income taxes
€32k▼
2024 · €34k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €2k | €2k | €2k | €2k | €2k | = |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €58k | €100k | €102k | €115k | €114k | ▼ 0.9% |
| Other operating charges640/8 | €8k | €9k | €11k | €15k | €15k | ▲ 1.6% |
| Gross operating margin9900 | €312k | €289k | €182k | €311k | €387k | ▲ 24.3% |
| Operating profit (loss)9901 | €247k | €181k | €69k | €181k | €257k | ▲ 42.2% |
| Financial income75/76B | €434k | €312k | €82k | €576k | €18k | ▼ 96.9% |
| Recurring financial income75 | €434k | €312k | €82k | €576k | €18k | ▼ 96.9% |
| Financial charges65/66B | €348k | €80k | €124k | €163k | €153k | ▼ 6.1% |
| Recurring financial charges65 | €348k | €80k | €124k | €163k | €153k | ▼ 6.1% |
| Profit (loss) for the period before taxes9903 | €332k | €413k | €28k | €594k | €122k | ▼ 79.4% |
| Transfer from deferred taxes780 | €5k | €6k | €7k | €7k | €7k | = |
| Income taxes67/77 | €61k | €40k | €11k | €34k | €32k | ▼ 5.9% |
| Profit (loss) for the period9904 | €276k | €380k | €24k | €566k | €97k | ▼ 82.9% |
| Transfer from tax-exempt reserves789 | €10k | €13k | €16k | €16k | €16k | = |
| Transfer to tax-exempt reserves689 | €147k | €84k | - | €135k | €55k | ▼ 59.4% |
| Profit (loss) for the period to be appropriated9905 | €139k | €309k | €39k | €447k | €58k | ▼ 87.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.86M | €4.55M | €6.35M | €7.09M | €6.31M | ▼ 11.0% |
| Fixed assets21/28 | €1.88M | €1.94M | €3.39M | €3.39M | €3.28M | ▼ 3.1% |
| Tangible fixed assets22/27 | €740k | €1.02M | €2.57M | €2.46M | €2.34M | ▼ 4.7% |
| Land and buildings22 | €729k | €1.02M | €2.57M | €2.46M | €2.34M | ▼ 4.7% |
| Furniture and vehicles24 | €11k | €5k | - | - | - | - |
| Financial fixed assets28 | €1.14M | €920k | €820k | €931k | €939k | ▲ 0.9% |
| Current assets29/58 | €2.99M | €2.60M | €2.95M | €3.70M | €3.03M | ▼ 18.2% |
| Amounts receivable after more than one year29 | - | - | €100k | €100k | €100k | = |
| Other amounts receivable291 | - | - | €100k | €100k | €100k | = |
| Stocks and contracts in progress3 | €2.60M | €1.67M | €2.07M | €2.31M | €1.64M | ▼ 29.1% |
| Stocks30/36 | €2.60M | €1.67M | €2.07M | €2.31M | €1.64M | ▼ 29.1% |
| Amounts receivable within one year40/41 | €158k | €639k | €688k | €992k | €1.06M | ▲ 6.9% |
| Trade receivables40 | €6k | €88k | €165k | €27k | €27k | = |
| Other amounts receivable41 | €152k | €552k | €523k | €965k | €1.03M | ▲ 7.1% |
| Current investments50/53 | €20k | €20k | €20k | €20k | €20k | = |
| Cash at bank and in hand54/58 | €203k | €272k | €78k | €278k | €208k | ▼ 25.3% |
| Deferred charges and accrued income490/1 | - | - | - | - | €495 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.86M | €4.55M | €6.35M | €7.09M | €6.31M | ▼ 11.0% |
| Equity10/15 | €1.45M | €1.83M | €1.85M | €2.42M | €2.51M | ▲ 4.0% |
| Contributions10/11 | €197k | €197k | €197k | €197k | €197k | = |
| Reserves13 | €1.25M | €1.63M | €1.65M | €2.22M | €2.32M | ▲ 4.4% |
| Non-distributable reserves130/1 | €7k | €7k | €7k | €7k | €7k | = |
| Reserves not available under the articles1311 | €7k | €7k | €7k | €7k | €7k | = |
| Tax-exempt reserves132 | €628k | €699k | €683k | €803k | €421k | ▼ 47.6% |
| Distributable reserves133 | €615k | €924k | €963k | €1.41M | €1.89M | ▲ 33.9% |
| Provisions and deferred taxes16 | €80k | €74k | €67k | €60k | €53k | ▼ 11.6% |
| Deferred taxes168 | €80k | €74k | €67k | €60k | €53k | ▼ 11.6% |
| Amounts payable17/49 | €3.34M | €2.65M | €4.43M | €4.62M | €3.75M | ▼ 18.8% |
| Amounts payable after more than one year17 | €2.92M | €1.87M | €2.85M | €2.65M | €2.26M | ▼ 14.5% |
| Financial debts170/4 | €2.26M | €1.21M | €1.86M | €1.61M | €1.22M | ▼ 24.3% |
| Other amounts payable178/9 | €660k | €660k | €985k | €1.04M | €1.05M | ▲ 0.7% |
| Amounts payable within one year42/48 | €384k | €487k | €1.20M | €1.76M | €1.48M | ▼ 15.9% |
| Current portion of amounts payable after more than one year42 | €75k | €92k | €157k | €154k | €106k | ▼ 31.2% |
| Financial debts43 | - | - | €570k | €1.10M | €1.00M | ▼ 9.1% |
| Credit institutions430/8 | - | - | €570k | €1.10M | €1.00M | ▼ 9.1% |
| Trade debts44 | €483 | €24k | €94k | €88k | €6k | ▼ 93.7% |
| Suppliers440/4 | €483 | €24k | €94k | €88k | €6k | ▼ 93.7% |
| Taxes, remuneration and social security45 | €158k | €123k | €59k | €90k | €107k | ▲ 18.9% |
| Taxes450/3 | €158k | €123k | €59k | €90k | €107k | ▲ 18.9% |
| Other amounts payable47/48 | €151k | €249k | €324k | €331k | €264k | ▼ 20.3% |
| Accrued charges and deferred income492/3 | €35k | €295k | €381k | €204k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €276k | €380k | €24k | €566k | €97k | ▼ 82.9% |
| + Depreciation and write-downs630 | €58k | €100k | €102k | €115k | €114k | ▼ 0.9% |
| Operating cash flow (approximation) | €334k | €479k | €126k | €682k | €211k | ▼ 69.0% |
| Investment in fixed assets (approximation) | - | €-166k | €-1.55M | €-111k | €-9k | ▲ 92.0% |
| Change in cash | - | €69k | €-193k | €199k | €-70k | ▼ 135% |
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
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €2MEq €2.42M ▲30.6%
5 profitable years in a row build equity to €2.42M.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 2 days late
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €680k
Net result €680k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.17M ▲139%
Equity rises from €491k to €1.17M.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Mechelen · 1 establishment unit since 2015
Ground area
579 m²
Building footprint
190 m²
Volume, LiDAR
947 m³
Parcel 12402B0443/00S002, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
14
companies at this address
See who is registered here
1 establishment unit
DNF Adviesco
since 20152.239.426.924
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402B0443/00S002 | Flanders | 579 m² | 1 · 190 m² | 10.1 m · 1 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.
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,587. 17,613 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
Founded21-04-1988
Fiscal year end31-12
Trade name NL
ADVIESCO
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.