STOOMTECHNIEK
ActiveSTOOMTECHNIEK has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €239k and a net result of €29k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 24% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
63
/ 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
Profitability53▲+15
Solvency48▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.32 in 2024; short-term debt: 11.3% and cash: 1.2% of total assets), and 77.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
22.8%
Return on assets
2.8%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 27450 sector peers (2025).
NBB · sector comparisonPosition among 27450 sector peers
Solvency
better than 24%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €239k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-02-2026, 1 day 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
1 d late
2024
2 d late
2023
101 d early
2022
84 d early
2021
77 d early
2020
4 d late
2019
94 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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€239k▲ 13.8%
2024 · €210k
2019: €187k
2020: €220k
2021: €268k
2022: €292k
2023: €202k
2024: €210k
2019 → 2025
Total assets
€1.05M▲ 10.3%
2024 · €953k
2019: €279k
2020: €363k
2021: €396k
2022: €424k
2023: €966k
2024: €953k
2019 → 2025
Net result
€29k▲ 202%
2024 · €10k
2019: €14k
2020: €34k
2021: €50k
2022: €25k
2023: €-90k
2024: €10k
2019 → 2025
Working capital
€27k▼ 17.5%
2024 · €33k
2019: €55k
2020: €96k
2021: €96k
2022: €76k
2023: €-134k
2024: €33k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€292k▲ 8.9%€202k▼ 30.7%€210k▲ 3.9%€239k▲ 13.8%
Operating result€69k-€31k▼ 55.2%€-76k€48k€59k▲ 22.7%
Net result€50k-€25k▼ 48.8%€-90k€10k€29k▲ 202%
Turnover and EBIT margin not published: the 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 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€905k▲ 10.8%
Current assets
€146k▲ 7.1%
Equity and liabilities €1.05M
Equity
€239k▲ 13.8%
Debt
€812k▲ 9.3%
The debt ratio falls from 77.9% to 77.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€98k▲
2024 · €81k
Cash flow
€68k▲
2024 · €43k
Solvency
22.8%▲
2024 · 22.1%
Current ratio
1.23▼
2024 · 1.32
Quick ratio
0.62▼
2024 · 0.76
Debt / equity
3.40▼
2024 · 3.53
ROE
12.1%▲
2024 · 4.6%
ROA
2.8%▲
2024 · 1.0%
Interest coverage
3.68▲
2024 · 2.14
Debt
€812k▲
2024 · €743k
Debt ≤ 1 year
€119k▲
2024 · €103k
Debt > 1 year
€693k▲
2024 · €639k
Income taxes
€3k▲
2024 · €220
Staff costs
€72k▲
2024 · €66k
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€953k€1.05M▲
Fixed assets21/28€816k€905k▲
Tangible fixed assets22/27€816k€905k▲
Land and buildings22€797k€886k▲
Plant, machinery and equipment23€14k€13k▼
Furniture and vehicles24€6k€5k▼
Financial fixed assets28€62€257▲
Current assets29/58€136k€146k▲
Stocks and contracts in progress3€57k€72k▲
Stocks30/36€57k€72k▲
Amounts receivable within one year40/41€67k€55k▼
Trade receivables40€42k€47k▲
Other amounts receivable41€25k€8k▼
Cash at bank and in hand54/58€6k€13k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€953k€1.05M▲
Equity10/15€210k€239k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€146k€175k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€144k€173k▲
Profit (loss) carried forward14€45k€45k=
Amounts payable17/49€743k€812k▲
Amounts payable after more than one year17€639k€693k▲
Financial debts170/4€639k€693k▲
Amounts payable within one year42/48€103k€119k▲
Current portion of amounts payable after more than one year42€35k€25k▼
Trade debts44€51k€54k▲
Suppliers440/4€51k€54k▲
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€3k€3k▲
Remuneration and social security454/9€14k€5k▼
Other amounts payable47/48€1k€32k▲
Accrued charges and deferred income492/3€572€225▼
Income statement
Code20242025
Remuneration, social security and pensions62€66k€72k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€39k▲
Other operating charges640/8€6k€7k▲
Non-recurring operating charges66A-€7
Gross operating margin9900€154k€177k▲
Operating profit (loss)9901€48k€59k▲
Financial income75/76B€58€0▼
Recurring financial income75€58€0▼
Financial charges65/66B€38k€27k▼
Recurring financial charges65€38k€27k▼
Non-recurring financial charges66B€65€0▼
Profit (loss) for the period before taxes9903€10k€32k▲
Income taxes67/77€220€3k▲
Profit (loss) for the period9904€10k€29k▲
Profit (loss) for the period to be appropriated9905€10k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€74k▲
Profit (loss) brought forward from the previous period14P€37k€45k▲
Transfer to equity691/2-€29k
To other reserves6921-€29k
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (10 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
01-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
02-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
2024
30-06
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 1.32
Current ratio from 0.55 to 1.32; short-term debt falls from €297k to €103k.
2023
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-90k ▼452%
Net result drops to €-90k, the lowest in the series; recovery starts the following year.
2022
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €50k ▲47.1%
Operating result €69k, net result €50k, both a record.
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
30-06
Financial
Equity above €200kEq €220k ▲17.7%
2 profitable years in a row build equity to €220k.
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
08-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-10
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
1 act for this company is 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, Zulte · 1 establishment unit since 1985
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.
Oudenaardestraat 1559870 ZulteGround area
769 m²
Building footprint
163 m²
Volume, LiDAR
953 m³
Parcel 44050B0542/00F000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oudenaardestraat 155, 9870 Zulte
since 19852.028.567.235
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44050B0542/00F000 | Flanders | 769 m² | 1 · 163 m² | 7.7 m · 2 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.
Similar companies · same sector, comparable size
D-DECO
BE 0876.436.768
Ledegem · Eq €239k
INTERIEUR D. MESTDAGH
BE 0453.750.360
Wevelgem · Eq €240k
DIMITRI PEELMAN
BE 0884.054.238
Hamme (Vl.) · Eq €240k
RESINA SOLUTION
BE 0736.957.993
Evere · Eq €238k
NOVACONI INVEST
BE 0884.031.868
Ganshoren · Eq €240k
Of 7,292 companies in sector 43350 we hold annual accounts for 2,359. 1,715 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-1985
Fiscal year end30-06
Activities, NACEBEL
43350Other building finishing work
46643Wholesale of electrical equipment, including installation materials
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.