STREAMOFIN
ActiveSummary
STREAMOFIN has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €829k and a net result of €45k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 34% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability51▲+2
Solvency61▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity short (current ratio 0.54 against 0.49 in 2024; short-term debt: 16.3% and cash: 4.3% of total assets), and 64.4% of the assets are financed with debt.
Credit check for your own amount and term
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 · 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
35.6%
Return on assets
1.9%
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 29-06-2025 was due by 29-01-2026 and was filed on 16-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
5 d early
2023
63 d early
2022
184 d early
2021
44 d early
2020
1 d early
2019
26 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 29-06-2026 and is due by 29-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
29-06-2026 close25-09-2026 today29-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€829k▲ 5.7%
2024 · €784k
2019: €450klowest in 7 years
2020: €605k▲ +34.4% vs 2019
2021: €699k▲ +15.5% vs 2020
2022: €717k▲ +2.7% vs 2021
2023: €755k▲ +5.2% vs 2022
2024: €784k▲ +3.9% vs 2023
2025: €829k▲ +5.7% vs 2024highest in 7 years
2019 → 2025
Total assets
€2.33M▼ 0.3%
2024 · €2.34M
2019: €2.36M
2020: €2.53M▲ +7.1% vs 2019highest in 7 years
2021: €2.51M▼ -0.9% vs 2020
2022: €2.39M▼ -4.5% vs 2021
2023: €2.34M▼ -2.2% vs 2022
2024: €2.34M▼ -0.1% vs 2023
2025: €2.33M▼ -0.3% vs 2024lowest in 7 years
2019 → 2025
Net result
€45k▲ 50.9%
2024 · €30k
2019: €-35klowest in 7 years
2020: €155k▲ +547% vs 2019highest in 7 years
2021: €94k▼ -39.3% vs 2020
2022: €19k▼ -79.9% vs 2021
2023: €37k▲ +96.8% vs 2022
2024: €30k▼ -19.9% vs 2023
2025: €45k▲ +50.9% vs 2024
2019 → 2025
Working capital
€-175k▼ 1.2%
2024 · €-173k
2019: €-63k
2020: €36k▲ +157% vs 2019
2021: €152k▲ +321% vs 2020highest in 7 years
2022: €66k▼ -56.2% vs 2021
2023: €-70k▼ -206% vs 2022
2024: €-173k▼ -145% vs 2023
2025: €-175k▼ -1.2% vs 2024lowest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€699k-€717k▲ 2.7%€755k▲ 5.2%€784k▲ 3.9%€829k▲ 5.7%
2021: €699klowest in 5 years
2022: €717k▲ +2.7% vs 2021
2023: €755k▲ +5.2% vs 2022
2024: €784k▲ +3.9% vs 2023
2025: €829k▲ +5.7% vs 2024highest in 5 years
Operating result€171k-€74k▼ 56.7%€95k▲ 28.2%€80k▼ 15.8%€82k▲ 2.3%
2021: €171khighest in 5 years
2022: €74k▼ -56.7% vs 2021lowest in 5 years
2023: €95k▲ +28.2% vs 2022
2024: €80k▼ -15.8% vs 2023
2025: €82k▲ +2.3% vs 2024
Net result€94k-€19k▼ 79.9%€37k▲ 96.8%€30k▼ 19.9%€45k▲ 50.9%
2021: €94khighest in 5 years
2022: €19k▼ -79.9% vs 2021lowest in 5 years
2023: €37k▲ +96.8% vs 2022
2024: €30k▼ -19.9% vs 2023
2025: €45k▲ +50.9% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.33M
Fixed assets
€2.13M ▼ 2.1%
Current assets
€206k ▲ 21.8%
Equity and liabilities €2.33M
Equity
€829k ▲ 5.7%
Debt
€1.50M ▼ 3.4%
Debt's share of the balance-sheet total falls from 66.5% to 64.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€132k▲
2024 · €128k
Cash flow
€95k▲
2024 · €78k
Current ratio
0.54▲
2024 · 0.49
Debt to equity
1.81▼
2024 · 1.98
ROE
5.4%▲
2024 · 3.8%
ROA
1.9%▲
2024 · 1.3%
Interest coverage
3.59▲
2024 · 3.40
Debt ≤ 1 year
€380k▲
2024 · €342k
Debt > 1 year
€1.11M▼
2024 · €1.20M
Income taxes
€31k▲
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.34M€2.33M▼
Fixed assets21/28€2.17M€2.13M▼
Tangible fixed assets22/27€1.28M€1.23M▼
Land and buildings22€1.12M€1.09M▼
Plant, machinery and equipment23€14k€12k▼
Furniture and vehicles24€71k€51k▼
Other tangible fixed assets26€79k€83k▲
Financial fixed assets28€892k€892k=
Current assets29/58€169k€206k▲
Amounts receivable within one year40/41€32k€32k▲
Other amounts receivable41€32k€32k▲
Current investments50/53€44k€67k▲
Cash at bank and in hand54/58€87k€101k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€2.34M€2.33M▼
Equity10/15€784k€829k▲
Contributions10/11€150k€150k=
Reserves13€607k€652k▲
Non-distributable reserves130/1€15k€15k=
Reserves not available under the articles1311€15k€15k=
Distributable reserves133€592k€637k▲
Profit (loss) carried forward14€27k€27k=
Amounts payable17/49€1.56M€1.50M▼
Amounts payable after more than one year17€1.20M€1.11M▼
Financial debts170/4€1.20M€1.11M▼
Amounts payable within one year42/48€342k€380k▲
Current portion of amounts payable after more than one year42€92k€92k=
Trade debts44€10k€11k▲
Suppliers440/4€10k€11k▲
Taxes, remuneration and social security45€65k€75k▲
Taxes450/3€65k€75k▲
Other amounts payable47/48€175k€203k▲
Accrued charges and deferred income492/3€13k€13k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€50k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€134k€138k▲
Operating profit (loss)9901€80k€82k▲
Financial income75/76B€3k€30k▲
Recurring financial income75€3k€30k▲
Financial charges65/66B€38k€37k▼
Recurring financial charges65€38k€37k▼
Profit (loss) for the period before taxes9903€46k€76k▲
Income taxes67/77€16k€31k▲
Profit (loss) for the period9904€30k€45k▲
Profit (loss) for the period to be appropriated9905€30k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€72k▲
Profit (loss) brought forward from the previous period14P€27k€27k=
Transfer to equity691/2€30k€45k▲
To other reserves6921€30k€45k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28k | €26k | €33k | €48k | €50k | ▲ 3.1% |
| Other operating charges640/8 | - | €23k | €7k | €5k | €6k | ▲ 14.9% |
| Gross operating margin9900 | €205k | €123k | €135k | €134k | €138k | ▲ 3.1% |
| Operating profit (loss)9901 | €171k | €74k | €95k | €80k | €82k | ▲ 2.3% |
| Financial income75/76B | - | €9k | €3k | €3k | €30k | ▲ 823% |
| Recurring financial income75 | €6k | €9k | €3k | €3k | €30k | ▲ 823% |
| Financial charges65/66B | - | €43k | €39k | €38k | €37k | ▼ 2.8% |
| Recurring financial charges65 | €43k | €43k | €39k | €38k | €37k | ▼ 2.8% |
| Profit (loss) for the period before taxes9903 | €134k | €40k | €59k | €46k | €76k | ▲ 65.6% |
| Income taxes67/77 | €41k | €21k | €22k | €16k | €31k | ▲ 93.2% |
| Profit (loss) for the period9904 | €94k | €19k | €37k | €30k | €45k | ▲ 50.9% |
| Profit (loss) for the period to be appropriated9905 | €94k | €19k | €37k | €30k | €45k | ▲ 50.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.51M | €2.39M | €2.34M | €2.34M | €2.33M | ▼ 0.3% |
| Fixed assets21/28 | €2.07M | €2.05M | €2.13M | €2.17M | €2.13M | ▼ 2.1% |
| Tangible fixed assets22/27 | €1.18M | €1.16M | €1.24M | €1.28M | €1.23M | ▼ 3.5% |
| Land and buildings22 | - | €1.11M | €1.09M | €1.12M | €1.09M | ▼ 2.6% |
| Plant, machinery and equipment23 | - | - | - | €14k | €12k | ▼ 10.1% |
| Furniture and vehicles24 | - | - | €90k | €71k | €51k | ▼ 27.5% |
| Other tangible fixed assets26 | - | €51k | €55k | €79k | €83k | ▲ 6.2% |
| Financial fixed assets28 | €892k | €892k | €892k | €892k | €892k | = |
| Current assets29/58 | €436k | €343k | €211k | €169k | €206k | ▲ 21.8% |
| Amounts receivable within one year40/41 | €311k | €222k | €92k | €32k | €32k | ▲ 0.4% |
| Trade receivables40 | - | €215k | €85k | - | - | - |
| Other amounts receivable41 | - | €7k | €7k | €32k | €32k | ▲ 0.4% |
| Current investments50/53 | €88k | €38k | €38k | €44k | €67k | ▲ 53.5% |
| Cash at bank and in hand54/58 | €35k | €80k | €76k | €87k | €101k | ▲ 15.3% |
| Deferred charges and accrued income490/1 | - | €4k | €6k | €6k | €6k | ▼ 0.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.51M | €2.39M | €2.34M | €2.34M | €2.33M | ▼ 0.3% |
| Equity10/15 | €699k | €717k | €755k | €784k | €829k | ▲ 5.7% |
| Contributions10/11 | - | €150k | €150k | €150k | €150k | = |
| Reserves13 | €521k | €540k | €577k | €607k | €652k | ▲ 7.4% |
| Non-distributable reserves130/1 | - | €15k | €15k | €15k | €15k | = |
| Reserves not available under the articles1311 | - | €15k | €15k | €15k | €15k | = |
| Distributable reserves133 | - | €525k | €562k | €592k | €637k | ▲ 7.6% |
| Profit (loss) carried forward14 | €27k | €27k | €27k | €27k | €27k | = |
| Amounts payable17/49 | €1.81M | €1.68M | €1.59M | €1.56M | €1.50M | ▼ 3.4% |
| Amounts payable after more than one year17 | €1.51M | €1.38M | €1.29M | €1.20M | €1.11M | ▼ 7.7% |
| Financial debts170/4 | - | €1.38M | €1.29M | €1.20M | €1.11M | ▼ 7.7% |
| Amounts payable within one year42/48 | €284k | €277k | €282k | €342k | €380k | ▲ 11.4% |
| Current portion of amounts payable after more than one year42 | - | €92k | €92k | €92k | €92k | = |
| Trade debts44 | €7k | €3k | €11k | €10k | €11k | ▲ 7.0% |
| Suppliers440/4 | - | €3k | €11k | €10k | €11k | ▲ 7.0% |
| Taxes, remuneration and social security45 | - | €47k | €63k | €65k | €75k | ▲ 16.6% |
| Taxes450/3 | - | €47k | €63k | €65k | €75k | ▲ 16.6% |
| Other amounts payable47/48 | - | €135k | €116k | €175k | €203k | ▲ 15.7% |
| Accrued charges and deferred income492/3 | - | €15k | €13k | €13k | €13k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €94k | €19k | €37k | €30k | €45k | ▲ 50.9% |
| + Depreciation and write-downs630 | €28k | €26k | €33k | €48k | €50k | ▲ 3.1% |
| Operating cash flow (approximation) | €122k | €45k | €70k | €78k | €95k | ▲ 21.3% |
| Investment in fixed assets (approximation) | - | €-6k | €-114k | €-88k | €-5k | ▲ 94.5% |
| Change in cash | - | €45k | €-4k | €11k | €13k | ▲ 21.5% |
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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
Financial
Back to profitnet €155k
Net result €155k after one loss-making year.
29-06
Financial
Equity above €500kEq €605k ▲34.4%
Equity rises from €450k to €605k.
03-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
28-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Veurne · 1 establishment unit since 2012
Ground area
248 m²
Building footprint
248 m²
Volume, LiDAR
1,758 m³
Parcel 38025A0376/00D000, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
STREAMOFIN
since 20122.211.419.658
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025A0376/00D000 | Flanders | 248 m² | 1 · 248 m² | 11.6 m · 3 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Legal Entity Identifier
894500MMTM72ARSA5T93
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 29,844 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
Founded15-06-2012
Fiscal year end29-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.