STRETCH & MORE
ActiveThe computed 12-month bankruptcy probability of STRETCH & MORE is 2.1% (moderate). The 2025 annual accounts show equity of €34k and a net result of €1k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 15% of 27711 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-15
Solvency37▲+2
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.9 against 1.08 in 2024; short-term debt: 77.8% and cash: 18.2% of total assets), and 88% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
12%
Return on assets
0.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 15%
← weakest
strongest →
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 09-07-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
45 d early
2023
29 d late
2022
66 d late
2021
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 monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 3.5%
2024 · €33k
2021: €17k
2022: €19k
2023: €21k
2024: €33k
2021 → 2025
Total assets
€281k▼ 11.7%
2024 · €318k
2021: €74k
2022: €440k
2023: €280k
2024: €318k
2021 → 2025
Net result
€1k▼ 90.6%
2024 · €12k
2021: €12k
2022: €3k
2023: €1k
2024: €12k
2021 → 2025
Working capital
€-21k
2024 · €17k
2021: €5k
2022: €-34k
2023: €31k
2024: €17k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€19k▲ 15.2%€21k▲ 7.6%€33k▲ 58.7%€34k▲ 3.5%
Operating result€16k-€5k▼ 68.7%€11k▲ 115%€25k▲ 138%€11k▼ 57.4%
Net result€12k-€3k▼ 78.3%€1k▼ 41.9%€12k▲ 726%€1k▼ 90.6%
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 falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €281k
Fixed assets
€83k▲ 7.6%
Current assets
€197k▼ 17.9%
Equity and liabilities €281k
Equity
€34k▲ 3.5%
Debt
€247k▼ 13.4%
The debt ratio falls from 89.7% to 88.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€40k▼
2024 · €53k
Cash flow
€31k▼
2024 · €40k
Solvency
12.0%▲
2024 · 10.3%
Current ratio
0.90▼
2024 · 1.08
Quick ratio
0.85▼
2024 · 0.97
Debt / equity
7.31▼
2024 · 8.74
ROE
3.4%▼
2024 · 37.0%
ROA
0.4%▼
2024 · 3.8%
Interest coverage
4.64▼
2024 · 6.30
Debt
€247k▼
2024 · €285k
Debt ≤ 1 year
€218k▼
2024 · €223k
Debt > 1 year
€29k▼
2024 · €62k
Income taxes
€4k▼
2024 · €6k
Staff costs
€48k▼
2024 · €52k
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€318k€281k▼
Fixed assets21/28€77k€83k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€74k€80k▲
Plant, machinery and equipment23€56k€37k▼
Furniture and vehicles24€9k€32k▲
Leasing and similar rights25€9k€6k▼
Other tangible fixed assets26-€4k
Financial fixed assets28€3k€3k=
Current assets29/58€240k€197k▼
Amounts receivable after more than one year29€11k€11k=
Other amounts receivable291€11k€11k=
Stocks and contracts in progress3€24k€13k▼
Stocks30/36€24k€13k▼
Amounts receivable within one year40/41€147k€112k▼
Trade receivables40€133k€83k▼
Other amounts receivable41€15k€29k▲
Cash at bank and in hand54/58€44k€51k▲
Deferred charges and accrued income490/1€14k€11k▼
Equity and liabilities
Total equity and liabilities10/49€318k€281k▼
Equity10/15€33k€34k▲
Contributions10/11€5k€5k=
Reserves13€28k€29k▲
Distributable reserves133€28k€29k▲
Amounts payable17/49€285k€247k▼
Amounts payable after more than one year17€62k€29k▼
Financial debts170/4€62k€29k▼
Amounts payable within one year42/48€223k€218k▼
Current portion of amounts payable after more than one year42€40k€37k▼
Financial debts43€52k€52k▲
Credit institutions430/8€50k€50k=
Other loans439€2k€2k▲
Trade debts44€93k€88k▼
Suppliers440/4€93k€88k▼
Taxes, remuneration and social security45€21k€23k▲
Taxes450/3€7k€10k▲
Remuneration and social security454/9€14k€13k▼
Other amounts payable47/48€18k€19k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€1k€0▼
Remuneration, social security and pensions62€52k€48k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€29k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€108k€91k▼
Operating profit (loss)9901€25k€11k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€18k€5k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€12k€1k▼
Profit (loss) for the period to be appropriated9905€12k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€1k▼
Transfer to equity691/2€12k€1k▼
To other reserves6921€12k€1k▼
The notes to these accounts (15 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €1k ▼90.6%
Net result drops to €1k, the lowest in the series.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €12k ▲726%
Operating result €25k, net result €12k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 66 days late
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Tielt · 1 establishment unit since 2021
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.
Vanderheerenlaan 21A8760 TieltGround area
5,284 m²
Building footprint
189 m²
Parcel 37322B0629/00Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
STRETCH & MORE
since 20212.311.233.351
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37322B0629/00Y000 | Flanders | 5,284 m² | 1 · 189 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 945 EUR awarded · 945 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 780 EUR | 780 EUR |
| 2023 | 1 | 165 EUR | 165 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 6,947 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
43211General electrical installation work
47559Retail sale of other household articles
47599Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.