STUCCARTE
ActiveThe computed 12-month bankruptcy probability of STUCCARTE is 1.8% (moderate). The 2025 annual accounts show equity of €120k and a net result of €4k. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 27676 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
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-17
Solvency94▲+11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.81 against 3.08 in 2024; short-term debt: 14.9% and cash: 10.9% of total assets), and 30.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
69.4%
Return on assets
2.4%
Age of the figures
9 mo
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 10-06-2026, 51 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
51 d early
2024
77 d early
2023
71 d early
2022
1 d late
2021
54 d early
2020
61 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€120k▲ 3.6%
2024 · €116k
2020: €39k
2021: €50k
2022: €56k
2023: €83k
2024: €116k
2020 → 2025
Total assets
€172k▼ 13.5%
2024 · €199k
2020: €54k
2021: €69k
2022: €80k
2023: €135k
2024: €199k
2020 → 2025
Net result
€4k▼ 87.2%
2024 · €32k
2020: €18k
2021: €12k
2022: €6k
2023: €27k
2024: €32k
2020 → 2025
Working capital
€98k▲ 7.8%
2024 · €91k
2020: €39k
2021: €50k
2022: €53k
2023: €70k
2024: €91k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€56k▲ 11.6%€83k▲ 48.7%€116k▲ 38.8%€120k▲ 3.6%
Operating result€16k-€8k▼ 50.4%€39k▲ 387%€48k▲ 23.9%€8k▼ 82.9%
Net result€12k-€6k▼ 49.5%€27k▲ 369%€32k▲ 18.4%€4k▼ 87.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€48k▼ 24.7%
Current assets
€124k▼ 8.1%
Equity and liabilities €172k
Equity
€120k▲ 3.6%
Debt
€53k▼ 37.0%
The debt ratio falls from 42.0% to 30.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €58k
Cash flow
€20k▼
2024 · €42k
Solvency
69.4%▲
2024 · 58.0%
Current ratio
4.81▲
2024 · 3.08
Quick ratio
4.22▲
2024 · 3.04
Debt / equity
0.44▼
2024 · 0.72
ROE
3.4%▼
2024 · 27.9%
ROA
2.4%▼
2024 · 16.2%
Interest coverage
10.65▼
2024 · 32.86
Debt
€53k▼
2024 · €84k
Debt ≤ 1 year
€26k▼
2024 · €44k
Debt > 1 year
€27k▼
2024 · €40k
Income taxes
€2k▼
2024 · €14k
Staff costs
€100k▼
2024 · €106k
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€199k€172k▼
Fixed assets21/28€64k€48k▼
Tangible fixed assets22/27€64k€48k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25€52k€39k▼
Current assets29/58€135k€124k▼
Stocks and contracts in progress3€2k€15k▲
Stocks30/36€2k€13k▲
Contracts in progress37-€3k
Amounts receivable within one year40/41€93k€89k▼
Trade receivables40€90k€74k▼
Other amounts receivable41€3k€16k▲
Cash at bank and in hand54/58€38k€19k▼
Deferred charges and accrued income490/1€2k€673▼
Equity and liabilities
Total equity and liabilities10/49€199k€172k▼
Equity10/15€116k€120k▲
Contributions10/11€21k€21k=
Reserves13€93k€97k▲
Distributable reserves133€93k€97k▲
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€84k€53k▼
Amounts payable after more than one year17€40k€27k▼
Financial debts170/4€40k€27k▼
Amounts payable within one year42/48€44k€26k▼
Current portion of amounts payable after more than one year42€19k€13k▼
Trade debts44€10k€8k▼
Suppliers440/4€10k€8k▼
Taxes, remuneration and social security45€14k€5k▼
Taxes450/3€9k€2k▼
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48€100€100=
Income statement
Code20242025
Non-recurring operating income76A€86-
Remuneration, social security and pensions62€106k€100k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€16k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€165k€126k▼
Operating profit (loss)9901€48k€8k▼
Financial income75/76B€743€707▼
Recurring financial income75€743€707▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€47k€7k▼
Income taxes67/77€14k€2k▼
Profit (loss) for the period9904€32k€4k▼
Profit (loss) for the period to be appropriated9905€32k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€6k▼
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer to equity691/2€32k€4k▼
To other reserves6921€32k€4k▼
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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €4k ▼87.2%
Net result drops to €4k, the lowest in the series.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €32k ▲18.4%
Operating result €48k, net result €32k, both a record.
31-12
Financial
Equity above €100kEq €116k ▲38.8%
5 profitable years in a row build equity to €116k.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 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, Antwerpen · 1 establishment unit since 2020
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.
Borsbeeksesteenweg 422100 AntwerpenGround area
1,112 m²
Building footprint
134 m²
Volume, LiDAR
942 m³
Parcel 11346B0638/00X025, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STUCCARTE
since 20202.298.776.967
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11346B0638/00X025 | Flanders | 1,112 m² | 1 · 133 m² | 8.5 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
PLEISTERWERKEN DIDIER RAES
BE 0454.876.550
Ronse · Eq €120k
Compleo
BE 0420.119.866
Ciney · Eq €119k
Mark Dejaegher
BE 0821.679.971
Brugge · Eq €120k
PLEISTERWERKEN ANGELO DE WITTE
BE 0760.871.958
Wingene · Eq €120k
PROMOVEO
BE 0819.937.535
Brussel · Eq €119k
Of 4,013 companies in sector 43310 we hold annual accounts for 1,745. 1,483 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2020
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
2 entriesE-mail:pieter@montagyp.be
Phone:03/230.98.44