STUYCK
ActiveSTUYCK has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €543k and a net result of €23k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+3
Solvency83▲+4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.37 against 3.49 in 2024; short-term debt: 15.7% and cash: 6.3% of total assets), and 41.9% 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 · 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 · 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 2025Solvency, return and age of the figures
Solvency
58.1%
Return on assets
2.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
on the day
2023
22 d early
2022
on the day
2021
on the day
2020
2 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€543k▲ 4.4%
2024 · €520k
2019: €583k
2020: €616k
2021: €676k
2022: €712k
2023: €735k
2024: €520k
2019 → 2025
Total assets
€935k▼ 2.3%
2024 · €957k
2019: €773k
2020: €772k
2021: €1.15M
2022: €1.10M
2023: €1.11M
2024: €957k
2019 → 2025
Net result
€23k▼ 17.7%
2024 · €27k
2019: €52k
2020: €34k
2021: €60k
2022: €35k
2023: €23k
2024: €27k
2019 → 2025
Working capital
€494k▲ 3.4%
2024 · €478k
2019: €550k
2020: €594k
2021: €632k
2022: €672k
2023: €696k
2024: €478k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€676k-€712k▲ 5.2%€735k▲ 3.3%€520k▼ 29.2%€543k▲ 4.4%
Operating result€72k-€50k▼ 30.1%€46k▼ 8.0%€54k▲ 16.4%€46k▼ 14.6%
Net result€60k-€35k▼ 41.1%€23k▼ 33.6%€27k▲ 17.6%€23k▼ 17.7%
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 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €935k
Fixed assets
€294k▲ 2.3%
Current assets
€641k▼ 4.3%
Equity and liabilities €935k
Equity
€543k▲ 4.4%
Debt
€392k▼ 10.3%
The debt ratio falls from 45.6% to 41.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▼
2024 · €76k
Cash flow
€47k▼
2024 · €49k
Solvency
58.1%▲
2024 · 54.4%
Current ratio
4.37▲
2024 · 3.49
Quick ratio
4.31▲
2024 · 3.45
Debt / equity
0.72▼
2024 · 0.84
ROE
4.2%▼
2024 · 5.3%
ROA
2.4%▼
2024 · 2.9%
Interest coverage
6.26▲
2024 · 5.59
Debt
€392k▼
2024 · €437k
Debt ≤ 1 year
€147k▼
2024 · €192k
Debt > 1 year
€245k▲
2024 · €245k
Income taxes
€12k▼
2024 · €13k
Staff costs
€30k▼
2024 · €67k
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€957k€935k▼
Fixed assets21/28€288k€294k▲
Tangible fixed assets22/27€288k€294k▲
Land and buildings22€282k€265k▼
Plant, machinery and equipment23€493€0▼
Furniture and vehicles24€5k€29k▲
Current assets29/58€669k€641k▼
Stocks and contracts in progress3€8k€9k▲
Stocks30/36€8k€9k▲
Amounts receivable within one year40/41€602k€572k▼
Trade receivables40€586k€550k▼
Other amounts receivable41€15k€22k▲
Current investments50/53€469-
Cash at bank and in hand54/58€58k€59k▲
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€957k€935k▼
Equity10/15€520k€543k▲
Contributions10/11€19k€19k=
Reserves13€501k€524k▲
Distributable reserves133€501k€524k▲
Amounts payable17/49€437k€392k▼
Amounts payable after more than one year17€245k€245k▲
Financial debts170/4€245k€245k▲
Amounts payable within one year42/48€192k€147k▼
Current portion of amounts payable after more than one year42€26k€28k▲
Trade debts44€39k€49k▲
Suppliers440/4€39k€49k▲
Advances received on contracts in progress46€15k€27k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€85€58▼
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€108k€39k▼
Income statement
Code20242025
Non-recurring operating income76A-€500
Remuneration, social security and pensions62€67k€30k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€25k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€71k€-10k▼
Other operating charges640/8€4k€6k▲
Gross operating margin9900€218k€97k▼
Operating profit (loss)9901€54k€46k▼
Financial income75/76B€321€104▼
Recurring financial income75€321€104▼
Financial charges65/66B€14k€11k▼
Recurring financial charges65€14k€11k▼
Profit (loss) for the period before taxes9903€41k€35k▼
Income taxes67/77€13k€12k▼
Profit (loss) for the period9904€27k€23k▼
Profit (loss) for the period to be appropriated9905€27k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€23k▼
Transfer to equity691/2€27k€23k▼
To other reserves6921€27k€23k▼
The notes to these accounts (14 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €23k ▼17.7%
Net result drops to €23k, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Highest result since 2019net €60k ▲77.4%
Net result €60k, the highest in the series.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kampenhout · 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.
Vekestraat 29 C1910 KampenhoutGround area
1.7 ha
Building footprint
5,745 m²
Volume, LiDAR
1 m³
2 parcels, Flanders · tallest building 0.3 m. Linked by address, not a title deed.
1 establishment unit
Vekestraat 29C, 1910 Kampenhout
since 20092.175.986.251
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23038A0436/00A000 | Flanders | 1.3 ha | 1 · 3,502 m² | 0.1 m |
| 23038A0008/00E002 | Flanders | 3,554 m² | 1 · 2,243 m² | 0.2 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 2 entries · 4,202 EUR awarded · 4,202 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 2 | 4,202 EUR | 4,202 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
4 live approvals · 1 endedSanitaire en verwarmingsinstallaties duaal (so)
Technicus installatietechnieken (vwo)
Technicus installatietechnieken duaal (so)
Vakman installatietechnieken (vwo)
Similar companies · same sector, comparable size
VAN HOOF & co
BE 0473.044.650
Mol · Eq €543k
VANDIJCK
BE 0435.448.539
Peer · Eq €542k
CENTRA HEAT
BE 0700.876.171
Brasschaat · Eq €544k
ROSENBERG BELGIUM
BE 0438.682.104
Ninove · Eq €544k
GEBROEDERS PENDERS
BE 0834.461.603
Maasmechelen · Eq €542k
Of 9,528 companies in sector 43222 we hold annual accounts for 5,659. 3,906 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2008
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
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.