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STREAMOFIN

Active
Private limited companyfounded 201214 yrs activePannestraat 42, 8630 Veurne, BelgiumKBO/BCE: BE 0846.621.146
Summary

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 2025
Solvency, 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 14 years 0 20 y
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 filings
Deviation 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 months
Position in the running window
29-06-2026 close25-09-2026 today29-01-2027 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
€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
€0€50k€100k€150kOperating result 2021: €171k€171kNet result 2021: €94k€94kOperating result 2022: €74k€74kNet result 2022: €19k€19kOperating result 2023: €95k€95kNet result 2023: €37k€37kOperating result 2024: €80k€80kNet result 2024: €30k€30kOperating result 2025: €82k€82kNet result 2025: €45k€45k20212022202320242025€0€25k€50k€75k€100kOperating result 2023: €95k€95kNet result 2023: €37k€37kOperating result 2024: €80k€80kNet result 2024: €30k€30kOperating result 2025: €82k€82kNet result 2025: €45k€45k202320242025
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
2025 value · change against 2024
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
Line20212022202320242025Change
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%
Line20212022202320242025Change
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=
Line20212022202320242025Change
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.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 29-01-2027
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
seat establishment The establishment unit on the map
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
Pannestraat 42, 8630 VeurneActivities of head offices; management consultancy activities
since 20122.211.419.658
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
38025A0376/00D000
ProtectedTownscape or village viewStadskern VeurneSource ↗
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
live in the LEI register

Similar companies · same sector, comparable size

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.