STUMA
ActiveSTUMA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €635k and a net result of €65k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 95% of 11614 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-3
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 21.08 against 46.48 in 2023; short-term debt: 4.3% and cash: 13.4% of total assets), and 5.4% 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
94.6%
Return on assets
9.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
34 d early
2022
38 d early
2021
33 d early
2020
33 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€635k▼ 8.6%
2023 · €695k
2018: €555k
2019: €632k
2020: €684k
2021: €708k
2022: €691k
2023: €695k
2018 → 2024
Total assets
€672k▼ 7.5%
2023 · €726k
2018: €599k
2019: €675k
2020: €736k
2021: €757k
2022: €734k
2023: €726k
2018 → 2024
Net result
€65k▼ 28.4%
2023 · €91k
2018: €125k
2019: €77k
2020: €123k
2021: €164k
2022: €115k
2023: €91k
2018 → 2024
Working capital
€586k▼ 7.6%
2023 · €634k
2018: €491k
2019: €580k
2020: €580k
2021: €599k
2022: €606k
2023: €634k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€684k-€708k▲ 3.5%€691k▼ 2.4%€695k▲ 0.6%€635k▼ 8.6%
Operating result€175k-€234k▲ 33.7%€165k▼ 29.8%€129k▼ 21.5%€91k▼ 29.7%
Net result€123k-€164k▲ 32.9%€115k▼ 30.1%€91k▼ 20.2%€65k▼ 28.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 30% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €672k
Fixed assets
€57k▼ 27.8%
Current assets
€615k▼ 5.1%
Equity and liabilities €672k
Equity
€635k▼ 8.6%
Provisions
€0▼ 100%
Debt
€36k▲ 94.3%
The debt ratio rises from 2.6% to 5.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€117k▼
2023 · €156k
Cash flow
€92k▼
2023 · €119k
Solvency
94.6%▼
2023 · 95.7%
Current ratio
21.08▼
2023 · 46.48
Quick ratio
21.08▼
2023 · 46.48
Debt / equity
0.06▲
2023 · 0.03
ROE
10.3%▼
2023 · 13.1%
ROA
9.7%▼
2023 · 12.6%
Interest coverage
1800.16▼
2023 · 2706.44
Debt
€36k▲
2023 · €19k
Debt ≤ 1 year
€29k▲
2023 · €14k
Income taxes
€27k▼
2023 · €40k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€726k€672k▼
Fixed assets21/28€79k€57k▼
Tangible fixed assets22/27€79k€57k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€38k€22k▼
Other tangible fixed assets26€40k€33k▼
Current assets29/58€648k€615k▼
Amounts receivable within one year40/41€18k€27k▲
Trade receivables40€17k€5k▼
Other amounts receivable41€902€21k▲
Current investments50/53-€495k
Cash at bank and in hand54/58€627k€90k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€726k€672k▼
Equity10/15€695k€635k▼
Reserves13€695k€635k▼
Distributable reserves133€695k€635k▼
Provisions and deferred taxes16€13k-
Provisions for liabilities and charges160/5€13k-
Environmental obligations163€13k-
Amounts payable17/49€19k€36k▲
Amounts payable within one year42/48€14k€29k▲
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€6k€22k▲
Taxes450/3€3k€16k▲
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48€587€2k▲
Accrued charges and deferred income492/3€5k€7k▲
Income statement
Code20232024
Non-recurring operating income76A-€272
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€27k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€-13k
Other operating charges640/8€967€862▼
Non-recurring operating charges66A-€270
Gross operating margin9900€157k€106k▼
Operating profit (loss)9901€129k€91k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€58€65▲
Recurring financial charges65€58€65▲
Profit (loss) for the period before taxes9903€131k€93k▼
Income taxes67/77€40k€27k▼
Profit (loss) for the period9904€91k€65k▼
Profit (loss) for the period to be appropriated9905€91k€65k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€65k▼
Transfer from equity791/2€87k€125k▲
Transfer to equity691/2€91k€65k▼
To other reserves6921€91k€65k▼
Profit to be distributed694/7€87k€125k▲
Return on contributions (dividend)694€87k€125k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €65k ▼28.4%
Net result drops to €65k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €164k ▲32.9%
Operating result €234k, net result €164k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 58.68
Current ratio from 16.81 to 58.68; short-term debt falls from €31k to €10k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
29-06
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.
Directors · office · real estate
Directors
6 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, Heers · 1 establishment unit since 2011
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.
Suskesstraat(Vechm.) 193870 HeersGround area
1,637 m²
Building footprint
154 m²
Volume, LiDAR
1,002 m³
Parcel 73087A0132/00D000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stuma
since 20112.203.592.550
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73087A0132/00D000 | Flanders | 1,637 m² | 1 · 154 m² | 10.0 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
MATADOR, Société d'Architectes
BE 0453.882.497
Ukkel · Eq €633k
CISTUS
BE 0807.155.509
Oudenburg · Eq €640k
Multiprofessionele architectenvennootschap Studio Roma
BE 0823.347.678
Leuven · Eq €651k
OOSTKAAI DESIGN & BUILD
BE 0508.452.620
Kapellen · Eq €666k
Erik De Waele
BE 0821.653.544
Zwevegem · Eq €600k
Of 2,264 companies in sector 71113 we hold annual accounts for 658. 322 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2011
Fiscal year end31-12
Activities, NACEBEL
71113Urban planning and landscape architecture
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.