STROYTAVAR
ActiveSTROYTAVAR has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-2k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 9.68 against 17.14 in 2024; short-term debt: 10.3% and cash: 99.7% of total assets), and 10.3% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
89.7%
Return on assets
-5.5%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
9 d early
2023
1 d early
2022
3 d early
2021
2 d early
2020
5 d early
2019
2 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▼ 5.8%
2024 · €27k
2018: €16k
2019: €14k
2020: €23k
2021: €21k
2022: €30k
2023: €29k
2024: €27k
2018 → 2025
Total assets
€29k▼ 1.1%
2024 · €29k
2018: €16k
2019: €15k
2020: €25k
2021: €21k
2022: €33k
2023: €31k
2024: €29k
2018 → 2025
Net result
€-2k▼ 19.1%
2024 · €-1k
2018: €-1k
2019: €-1k
2020: €9k
2021: €-2k
2022: €9k
2023: €-2k
2024: €-1k
2018 → 2025
Working capital
€26k▼ 5.8%
2024 · €27k
2019: €14k
2020: €23k
2021: €21k
2022: €30k
2023: €29k
2024: €27k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€30k▲ 42.2%€29k▼ 5.0%€27k▼ 4.7%€26k▼ 5.8%
Operating result€-2k-€10k€-1k€-1k▲ 9.6%€-1k▼ 20.7%
Net result€-2k-€9k€-2k€-1k▲ 10.6%€-2k▼ 19.1%
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 stays negative: a loss of €1k in 2025 against €1k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €29k
Equity
€26k▼ 5.8%
Debt
€3k▲ 75.1%
The debt ratio rises from 5.8% to 10.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
89.7%▼
2024 · 94.2%
Current ratio
9.68▼
2024 · 17.14
Quick ratio
9.68▼
2024 · 17.14
Debt / equity
0.12▲
2024 · 0.06
ROE
-6.2%▼
2024 · -4.9%
ROA
-5.5%▼
2024 · -4.6%
Debt
€3k▲
2024 · €2k
Debt ≤ 1 year
€3k▲
2024 · €2k
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€29k€29k▼
Current assets29/58€29k€29k▼
Amounts receivable within one year40/41€178€80▼
Other amounts receivable41€178€80▼
Cash at bank and in hand54/58€29k€29k▼
Equity and liabilities
Total equity and liabilities10/49€29k€29k▼
Equity10/15€27k€26k▼
Contributions10/11€36k€36k=
Profit (loss) carried forward14€-9k€-10k▼
Amounts payable17/49€2k€3k▲
Amounts payable within one year42/48€2k€3k▲
Trade debts44€0€1k▲
Suppliers440/4€0€1k▲
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€-825€-1k▼
Operating profit (loss)9901€-1k€-1k▼
Financial charges65/66B€129€134▲
Recurring financial charges65€129€134▲
Profit (loss) for the period before taxes9903€-1k€-2k▼
Profit (loss) for the period9904€-1k€-2k▼
Profit (loss) for the period to be appropriated9905€-1k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-10k▼
Profit (loss) brought forward from the previous period14P€-7k€-9k▼
The notes to these accounts (1 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-2k ▼120%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
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, Overijse · 1 establishment unit since 2009
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.
Brabandtlaan 40A3090 OverijseGround area
6,247 m²
Building footprint
281 m²
Volume, LiDAR
1,756 m³
Parcel 23062M0640/00E000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STROYTAVAR
since 20092.182.326.685
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062M0640/00E000 | Flanders | 6,247 m² | 1 · 281 m² | 9.4 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
ALL SOLUTIONS B2B
BE 1014.373.441
Deinze · Eq €26k
SEAVIEW
BE 0471.820.173
Rumst · Eq €26k
T.I.S.
BE 0448.579.765
Sint-Pieters-Leeuw · Eq €26k
AlfaSource
BE 0809.093.529
Enghien · Eq €26k
La Plantation Europe
BE 0537.396.232
Grez-Doiceau · Eq €26k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,569. 1,747 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded03-09-2009
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
46900Non-specialised wholesale trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.