StW Group 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 €3.25M and a net result of €480k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 5498 sector peers (fiscal year 2025). The company has been active since 2011 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 31-05-2025 was due by 31-12-2025 and was filed on 28-01-2026, 28 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
28 d late
2024
2 d late
2023
9 d late
2022
31 d late
2021
326 d late
2020
1 d early
2019
155 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close18-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.25M▲ 17.3%
2024 · €2.77M
2019: €1.79M
2020: €2.17M
2021: €2.35M
2022: €2.60M
2023: €3.07M
2024: €2.77M
2019 → 2025
Net result
€480k▲ 29.7%
2024 · €370k
2019: €405k
2020: €378k
2021: €487k
2022: €643k
2023: €470k
2024: €370k
2019 → 2025
Total assets
€3.70M▲ 17.6%
2024 · €3.15M
2019: €2.07M
2020: €2.51M
2021: €3.05M
2022: €2.82M
2023: €3.37M
2024: €3.15M
2019 → 2025
Solvency
87.8%▼ 0.2pp
2024 · 88.0%
2019: 86.2%
2020: 86.3%
2021: 76.8%
2022: 92.2%
2023: 91.2%
2024: 88.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.35M-€2.60M▲ 10.8%€3.07M▲ 18.1%€2.77M▼ 9.8%€3.25M▲ 17.3%
Operating result€3k-€9k▲ 240%€369▼ 95.8%€9k▲ 2,266%€-14k
Net result€487k-€643k▲ 32.2%€470k▼ 27.0%€370k▼ 21.3%€480k▲ 29.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €9k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.70M
Fixed assets
€3.65M▲ 17.7%
Current assets
€53k▲ 9.3%
Equity and liabilities €3.70M
Equity
€3.25M▲ 17.3%
Debt
€453k▲ 19.8%
The debt ratio rises from 12.0% to 12.2%. Equity and debt are higher.
Key figures and ratios
Solvency
87.8%▼
2024 · 88.0%
ROE
14.8%▲
2024 · 13.3%
ROA
13.0%▲
2024 · 11.7%
Debt
€453k▲
2024 · €378k
Debt ≤ 1 year
€453k▲
2024 · €378k
Income taxes
€58k▲
2024 · €54k
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€3.15M€3.70M▲
Fixed assets21/28€3.10M€3.65M▲
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€3.10M€3.65M▲
Current assets29/58€49k€53k▲
Amounts receivable within one year40/41€39k€52k▲
Trade receivables40€0-
Other amounts receivable41€39k€52k▲
Cash at bank and in hand54/58€9k€1k▼
Deferred charges and accrued income490/1€523€0▼
Equity and liabilities
Total equity and liabilities10/49€3.15M€3.70M▲
Equity10/15€2.77M€3.25M▲
Contributions10/11€19k€19k=
Reserves13€2.75M€3.23M▲
Distributable reserves133€2.75M€3.23M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€378k€453k▲
Amounts payable within one year42/48€378k€453k▲
Trade debts44€383€7k▲
Suppliers440/4€383€7k▲
Taxes, remuneration and social security45€54k€58k▲
Taxes450/3€54k€58k▲
Other amounts payable47/48€324k€387k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€571€588▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€11k€-12k▼
Operating profit (loss)9901€9k€-14k▼
Financial income75/76B€421k€561k▲
Recurring financial income75€421k€561k▲
Financial charges65/66B€6k€9k▲
Recurring financial charges65€6k€9k▲
Profit (loss) for the period before taxes9903€424k€538k▲
Income taxes67/77€54k€58k▲
Profit (loss) for the period9904€370k€480k▲
Profit (loss) for the period to be appropriated9905€370k€480k▲
Appropriation of the result
Profit (loss) to be appropriated9906€370k€480k▲
Transfer from equity791/2€670k€0▼
Transfer to equity691/2€370k€480k▲
To other reserves6921€370k€480k▲
Profit to be distributed694/7€670k€0▼
Return on contributions (dividend)694€670k€0▼
The notes to these accounts (11 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 2 days late
2024
31-05
Financial
Weakest financial yearnet €370k ▼21.3%
Net result drops to €370k, the lowest in the series; recovery starts the following year.
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 9 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 326 days late
31-05
Financial
Highest result since 2019net €643k ▲32.2%
Net result €643k, the highest in the series.
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 155 days late
31-05
Financial
Equity above €2MEq €2.17M ▲21.1%
2 profitable years in a row build equity to €2.17M.
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 16 days late
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
29-12
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
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, Wuustwezel · 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.
Valkendreef 622990 WuustwezelGround area
1,970 m²
Building footprint
72 m²
Volume, LiDAR
16 m³
Parcel 11682H0010/00R005, Flanders · tallest building 3.9 m. Linked by address, not a title deed.
1 establishment unit
StW Group
since 20112.207.143.443
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682H0010/00R005 | Flanders | 1,970 m² | 1 · 72 m² | 3.9 m |
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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 9,457 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2011
Fiscal year end31-05
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.