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STOS

Active
Private limited companyfounded 200223 yrs activeHoogstraat 54, 1861 Meise, BelgiumKBO/BCE: BE 0479.050.435

STOS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €-32k. Equity is shrinking by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
71 / 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
Profitability0=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.69 against 66.58 in 2024; short-term debt: 20.5% and cash: 89.4% of total assets), and 20.5% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 23 years 0 30 y
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year €-32k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
34 d early
2023
30 d early
2022
25 d early
2021
60 d early
2020
38 d early
2019
53 d early
← before the deadline after the deadline →
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 months
Position in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€157k▼ 16.7%
2024 · €189k
2018: €230k 2019: €254k 2020: €261k 2021: €262k 2022: €233k 2023: €249k 2024: €189k
2018 → 2025
Total assets
€198k▼ 10.1%
2024 · €220k
2018: €246k 2019: €258k 2020: €275k 2021: €279k 2022: €287k 2023: €261k 2024: €220k
2018 → 2025
Net result
€-32k▲ 46.9%
2024 · €-60k
2018: €30k 2019: €24k 2020: €7k 2021: €1k 2022: €-29k 2023: €15k 2024: €-60k
2018 → 2025
Working capital
€150k▼ 26.9%
2024 · €205k
2018: €214k 2019: €241k 2020: €252k 2021: €257k 2022: €211k 2023: €232k 2024: €205k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€262k-€233k▼ 11.1%€249k▲ 6.6%€189k▼ 24.0%€157k▼ 16.7%
Operating result€3k-€-29k€17k€-60k€-33k▲ 45.2%
Net result€1k-€-29k€15k€-60k€-32k▲ 46.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-60k€-40k€-20k€0€20kOperating result 2021: €3k€3kNet result 2021: €1k€1kOperating result 2022: €-29k€-29kNet result 2022: €-29k€-29kOperating result 2023: €17k€17kNet result 2023: €15k€15kOperating result 2024: €-60k€-60kNet result 2024: €-60k€-60kOperating result 2025: €-33k€-33kNet result 2025: €-32k€-32k20212022202320242025
The operating result stays negative: a loss of €33k in 2025 against €60k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198k
Fixed assets €8k▼ 37.7%
Current assets €190k▼ 8.5%
Equity and liabilities €198k
Equity €157k▼ 16.7%
Debt €41k▲ 30.1%
The debt ratio rises from 14.2% to 20.5%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€-28k
2024 · €-55k
Cash flow
€-27k
2024 · €-55k
Solvency
79.5%
2024 · 85.8%
Current ratio
4.69
2024 · 66.58
Quick ratio
4.69
2024 · 66.58
Debt / equity
0.26
2024 · 0.17
ROE
-20.1%
2024 · -31.6%
ROA
-16.0%
2024 · -27.1%
Interest coverage
-584.87
2024 · -500.79
Debt
€41k
2024 · €31k
Debt ≤ 1 year
€41k
2024 · €3k
Income taxes
€250=
2024 · €250
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€220k€198k
Fixed assets21/28€12k€8k
Tangible fixed assets22/27€12k€8k
Furniture and vehicles24€12k€8k
Current assets29/58€208k€190k
Amounts receivable within one year40/41€13k€9k
Trade receivables40-€8k
Other amounts receivable41€13k€225
Cash at bank and in hand54/58€190k€177k
Deferred charges and accrued income490/1€5k€5k
Equity and liabilities
Total equity and liabilities10/49€220k€198k
Equity10/15€189k€157k
Contributions10/11€7k€7k=
Reserves13€24k€24k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€158k€126k
Amounts payable17/49€31k€41k
Amounts payable within one year42/48€3k€41k
Financial debts43-€550
Credit institutions430/8-€550
Trade debts44€3k€813
Suppliers440/4€3k€813
Taxes, remuneration and social security45-€4k
Taxes450/3-€4k
Other amounts payable47/48-€35k
Accrued charges and deferred income492/3€28k-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€874€821
Gross operating margin9900€-54k€-27k
Operating profit (loss)9901€-60k€-33k
Financial income75/76B€611€1k
Recurring financial income75€611€1k
Financial charges65/66B€110€48
Recurring financial charges65€110€48
Profit (loss) for the period before taxes9903€-59k€-31k
Income taxes67/77€250€250=
Profit (loss) for the period9904€-60k€-32k
Profit (loss) for the period to be appropriated9905€-60k€-32k
Appropriation of the result
Profit (loss) to be appropriated9906€158k€126k
Profit (loss) brought forward from the previous period14P€218k€158k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
30-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet €-60k ▼486%
Net result drops to €-60k, the lowest in the series; recovery starts the following year.
31-12
Financial Liquidity triplescurrent ratio 66.58
Current ratio from 20.28 to 66.58; short-term debt falls from €12k to €3k.
01-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial Liquidity quadruplescurrent ratio 20.28
Current ratio from 4.90 to 20.28; short-term debt falls from €54k to €12k.
06-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
01-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Liquidity quadruplescurrent ratio 60.92
Current ratio from 14.65 to 60.92; short-term debt falls from €16k to €4k.
26-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
14-06
NBB filing Annual accounts filed
fiscal year 2016 · micro 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, Meise · 1 establishment unit since 2003
establishment The establishment unit on the map
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.

Hoogstraat 541861 Meise
Ground area
483 m²
Building footprint
110 m²
Volume, LiDAR
648 m³
Parcel 23093F0404/00K005, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hoogstraat 54, 1861 Meise
NACE 71330
since 20032.127.163.181
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23093F0404/00K005 Flanders 483 m² 1 · 109 m² 10.1 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

Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,752 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded24-12-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.