Stuyfbergen is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €378k and a net result of €101k. Equity is growing by ~49.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 5507 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 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 · 10 filingsDeviation from the deadline
2025
5 d late
2024
4 d late
2023
16 d late
2022
2 d late
2021
25 d late
2020
4 d late
2019
26 d late
← 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, abbreviated schema
Equity
€378k▲ 36.3%
2024 · €277k
2019: €42k
2020: €46k
2021: €82k
2022: €108k
2023: €185k
2024: €277k
2019 → 2025
Net result
€101k▲ 9.3%
2024 · €92k
2019: €904
2020: €5k
2021: €36k
2022: €26k
2023: €77k
2024: €92k
2019 → 2025
Total assets
€1.24M▲ 15.4%
2024 · €1.07M
2019: €880k
2020: €843k
2021: €848k
2022: €933k
2023: €928k
2024: €1.07M
2019 → 2025
Solvency
30.5%▲ 4.7pp
2024 · 25.8%
2019: 4.7%
2020: 5.5%
2021: 9.7%
2022: 11.6%
2023: 20.0%
2024: 25.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€108k▲ 31.0%€185k▲ 71.6%€277k▲ 49.7%€378k▲ 36.3%
Operating result€59k-€44k▼ 25.4%€115k▲ 162%€143k▲ 24.1%€172k▲ 20.6%
Net result€36k-€26k▼ 29.1%€77k▲ 203%€92k▲ 19.1%€101k▲ 9.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€1.14M▲ 8.8%
Current assets
€99k▲ 283%
Equity and liabilities €1.24M
Equity
€378k▲ 36.3%
Debt
€861k▲ 8.1%
The debt ratio falls from 74.2% to 69.5%. Equity and debt are higher.
Key figures and ratios
Solvency
30.5%▲
2024 · 25.8%
ROE
26.6%▼
2024 · 33.2%
ROA
8.1%▼
2024 · 8.6%
Debt
€861k▲
2024 · €796k
Debt ≤ 1 year
€500k▲
2024 · €491k
Debt > 1 year
€338k▲
2024 · €299k
Income taxes
€40k▲
2024 · €37k
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€1.07M€1.24M▲
Fixed assets21/28€1.05M€1.14M▲
Tangible fixed assets22/27€608k€700k▲
Land and buildings22€581k€652k▲
Plant, machinery and equipment23€27k€47k▲
Financial fixed assets28€440k€440k=
Current assets29/58€26k€99k▲
Amounts receivable after more than one year29-€63k
Other amounts receivable291-€63k
Amounts receivable within one year40/41€22k€18k▼
Trade receivables40€16k€16k▼
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€2k€14k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.07M€1.24M▲
Equity10/15€277k€378k▲
Contributions10/11€19k€19k=
Reserves13€257k€357k▲
Distributable reserves133€257k€357k▲
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€796k€861k▲
Amounts payable after more than one year17€299k€338k▲
Financial debts170/4€299k€338k▲
Amounts payable within one year42/48€491k€500k▲
Current portion of amounts payable after more than one year42€32k€36k▲
Trade debts44€693€3k▲
Suppliers440/4€693€3k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€12k€16k▲
Other amounts payable47/48€446k€445k▼
Accrued charges and deferred income492/3€6k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€23k▲
Other operating charges640/8€24k€18k▼
Gross operating margin9900€188k€213k▲
Operating profit (loss)9901€143k€172k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€14k€31k▲
Recurring financial charges65€14k€31k▲
Profit (loss) for the period before taxes9903€129k€141k▲
Income taxes67/77€37k€40k▲
Profit (loss) for the period9904€92k€101k▲
Profit (loss) for the period to be appropriated9905€92k€101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€102k▲
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer to equity691/2€92k€101k▲
To other reserves6921€92k€101k▲
The notes to these accounts (13 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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
30-06
Financial
Highest result since 2019net €101k ▲9.3%
Operating result €172k, net result €101k, both a record.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Equity above €200kEq €277k ▲49.7%
6 profitable years in a row build equity to €277k.
16-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
30-06
Financial
Equity above €150kEq €185k ▲71.6%
5 profitable years in a row build equity to €185k.
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
30-06
Financial
Equity above €100kEq €108k ▲31%
4 profitable years in a row build equity to €108k.
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
26-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 5 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 27 days late
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, Hamme (Vl.) · 1 establishment unit since 2014
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.
Baasrodeveerstraat 389220 Hamme (Vl.)Ground area
805 m²
Building footprint
401 m²
Volume, LiDAR
2,063 m³
2 parcels, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STUYFBERGEN
since 20142.238.876.596
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42014C0271/00G000 | Flanders | 519 m² | 1 · 243 m² | 7.3 m · 1 fl. |
| 42014C0538/00M000 | Flanders | 286 m² | 1 · 157 m² | 11.0 m · 3 fl. |
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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,768 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2014
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.