STT
ActiveSTT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €231k and a net result of €70k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 14.2 against 12.54 in 2024; short-term debt: 6.9% and cash: 89.6% of total assets), and 6.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
Sector 70
lower
← 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
93.1%
Return on assets
28.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
33 d early
2022
32 d late
2021
24 d late
2020
40 d early
2019
47 d late
← 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
€231k▲ 0.8%
2024 · €229k
2018: €52k
2019: €106k
2020: €175k
2021: €254k
2022: €161k
2023: €162k
2024: €229k
2018 → 2025
Total assets
€248k▼ 0.2%
2024 · €249k
2018: €71k
2019: €140k
2020: €230k
2021: €299k
2022: €325k
2023: €249k
2024: €249k
2018 → 2025
Net result
€70k▲ 4.0%
2024 · €68k
2018: €40k
2019: €55k
2020: €70k
2021: €79k
2022: €65k
2023: €74k
2024: €68k
2018 → 2025
Working capital
€227k▲ 0.7%
2024 · €225k
2018: €23k
2019: €84k
2020: €160k
2021: €247k
2022: €161k
2023: €159k
2024: €225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€254k-€161k▼ 36.6%€162k▲ 0.2%€229k▲ 41.9%€231k▲ 0.8%
Operating result€101k-€84k▼ 17.3%€92k▲ 9.8%€83k▼ 9.2%€88k▲ 5.6%
Net result€79k-€65k▼ 18.5%€74k▲ 14.2%€68k▼ 8.2%€70k▲ 4.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€5k▲ 8.2%
Current assets
€244k▼ 0.3%
Equity and liabilities €248k
Equity
€231k▲ 0.8%
Debt
€17k▼ 12.0%
The debt ratio falls from 7.8% to 6.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▲
2024 · €84k
Cash flow
€71k▲
2024 · €68k
Solvency
93.1%▲
2024 · 92.2%
Current ratio
14.20▲
2024 · 12.54
Quick ratio
14.20▲
2024 · 12.54
Debt / equity
0.07▼
2024 · 0.09
ROE
30.5%▲
2024 · 29.5%
ROA
28.4%▲
2024 · 27.2%
Interest coverage
553.88▼
2024 · 605.65
Debt
€17k▼
2024 · €20k
Debt ≤ 1 year
€17k▼
2024 · €20k
Income taxes
€19k▲
2024 · €18k
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€249k€248k▼
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€487€1k▲
Current assets29/58€245k€244k▼
Amounts receivable after more than one year29€67k€0▼
Other amounts receivable291€67k€0▼
Amounts receivable within one year40/41€27k€20k▼
Trade receivables40€21k€1k▼
Other amounts receivable41€6k€19k▲
Cash at bank and in hand54/58€150k€222k▲
Deferred charges and accrued income490/1€846€1k▲
Equity and liabilities
Total equity and liabilities10/49€249k€248k▼
Equity10/15€229k€231k▲
Contributions10/11€1k€1k=
Reserves13€161k€161k=
Distributable reserves133€161k€161k=
Profit (loss) carried forward14€68k€70k▲
Amounts payable17/49€20k€17k▼
Amounts payable within one year42/48€20k€17k▼
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€11k€15k▲
Taxes450/3€10k€14k▲
Remuneration and social security454/9€432€683▲
Income statement
Code20242025
Non-recurring operating income76A-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€676€892▲
Other operating charges640/8€966€669▼
Gross operating margin9900€85k€90k▲
Operating profit (loss)9901€83k€88k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€139€160▲
Recurring financial charges65€139€160▲
Profit (loss) for the period before taxes9903€86k€89k▲
Income taxes67/77€18k€19k▲
Profit (loss) for the period9904€68k€70k▲
Profit (loss) for the period to be appropriated9905€68k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€138k▲
Profit (loss) brought forward from the previous period14P€0€68k▲
Profit to be distributed694/7-€69k
Return on contributions (dividend)694-€69k
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 12.54
Current ratio from 2.85 to 12.54; short-term debt falls from €86k to €20k.
31-12
Financial
Equity above €200kEq €229k ▲41.9%
7 profitable years in a row build equity to €229k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Highest result since 2018net €79k ▲14%
Operating result €101k, net result €79k, both a record.
31-12
Financial
Equity above €200kEq €254k ▲45.3%
4 profitable years in a row build equity to €254k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €175k ▲64.8%
3 profitable years in a row build equity to €175k.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
31-12
Financial
Equity above €100kEq €106k ▲104%
2 profitable years in a row build equity to €106k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bertem · 1 establishment unit since 2018
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.
Dorpstraat 292A3061 BertemGround area
185 m²
Building footprint
56 m²
Volume, LiDAR
474 m³
Parcel 24061C0372/00C005, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STT
since 20182.270.930.742
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24061C0372/00C005 | Flanders | 185 m² | 1 · 56 m² | 10.6 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 421 EUR awarded · 421 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 122 EUR | 122 EUR |
| 2024 | 1 | 117 EUR | 117 EUR |
| 2023 | 1 | 113 EUR | 113 EUR |
| 2022 | 1 | 69 EUR | 69 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
PAV Advisory
BE 0761.563.529
Hove · Eq €231k
MarVan Consulting
BE 0783.419.411
Sint-Jans-Molenbeek · Eq €231k
J.M. Management
BE 0835.039.544
Sint-Martens-Latem · Eq €231k
PL ADVISORY SERVICES
BE 0698.636.758
Kraainem · Eq €231k
Alcevan
BE 1005.333.536
Kortrijk · Eq €231k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,246 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.