STYDEL
ActiveSTYDEL has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €113k and a net result of €85k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 24% of 37968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability92▲+10
Solvency50▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.45 against 0.73 in 2023; short-term debt: 37% and cash: 3.7% of total assets), and 75.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 37968 sector peers (2024).
NBB · sector comparisonPosition among 37968 sector peers
Solvency
better than 24%
← weakest
strongest →
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 27-03-2025, 126 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
126 d early
2023
113 d early
2022
47 d early
2021
47 d early
2020
43 d early
2019
51 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€113k▼ 8.9%
2023 · €124k
2018: €51k
2019: €62k
2020: €68k
2021: €82k
2022: €91k
2023: €124k
2018 → 2024
Total assets
€455k▲ 11.0%
2023 · €410k
2018: €111k
2019: €114k
2020: €110k
2021: €116k
2022: €267k
2023: €410k
2018 → 2024
Net result
€85k▲ 94.2%
2023 · €44k
2018: €11k
2019: €11k
2020: €6k
2021: €14k
2022: €25k
2023: €44k
2018 → 2024
Working capital
€-93k▼ 294%
2023 · €-24k
2018: €-3k
2019: €5k
2020: €17k
2021: €12k
2022: €-16k
2023: €-24k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€68k-€82k▲ 21.0%€91k▲ 10.7%€124k▲ 36.6%€113k▼ 8.9%
Operating result€11k-€29k▲ 155%€12k▼ 60.1%€75k▲ 546%€65k▼ 13.5%
Net result€6k-€14k▲ 132%€25k▲ 74.1%€44k▲ 75.5%€85k▲ 94.2%
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 2024; 2024 is 13% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €455k
Fixed assets
€379k▲ 9.2%
Current assets
€75k▲ 20.9%
Equity and liabilities €455k
Equity
€113k▼ 8.9%
Debt
€341k▲ 19.6%
The debt ratio rises from 69.6% to 75.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€89k▼
2023 · €130k
Cash flow
€108k▲
2023 · €98k
Solvency
24.9%▼
2023 · 30.4%
Current ratio
0.45▼
2023 · 0.73
Quick ratio
0.45▼
2023 · 0.73
Debt / equity
3.01▲
2023 · 2.29
ROE
74.8%▲
2023 · 35.1%
ROA
18.7%▲
2023 · 10.7%
Interest coverage
7.78▼
2023 · 10.89
Debt
€341k▲
2023 · €285k
Debt ≤ 1 year
€168k▲
2023 · €86k
Debt > 1 year
€173k▼
2023 · €199k
Income taxes
€26k▲
2023 · €20k
Staff costs
€4k▼
2023 · €12k
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€410k€455k▲
Fixed assets21/28€347k€379k▲
Tangible fixed assets22/27€333k€365k▲
Land and buildings22€300k€330k▲
Plant, machinery and equipment23€461€110▼
Furniture and vehicles24€7k€8k▲
Other tangible fixed assets26€25k€28k▲
Financial fixed assets28€14k€14k=
Current assets29/58€62k€75k▲
Amounts receivable within one year40/41€59k€55k▼
Trade receivables40€58k€24k▼
Other amounts receivable41€631€31k▲
Cash at bank and in hand54/58€321€17k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€410k€455k▲
Equity10/15€124k€113k▼
Contributions10/11€19k€19k=
Reserves13€106k€95k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€104k€93k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€285k€341k▲
Amounts payable after more than one year17€199k€173k▼
Financial debts170/4€199k€173k▼
Amounts payable within one year42/48€86k€168k▲
Current portion of amounts payable after more than one year42€33k€33k=
Financial debts43€3k€0▼
Credit institutions430/8€3k€0▼
Trade debts44€11k€11k▼
Suppliers440/4€11k€11k▼
Taxes, remuneration and social security45€24k€56k▲
Taxes450/3€20k€56k▲
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€14k€68k▲
Income statement
Code20232024
Remuneration, social security and pensions62€12k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€23k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€144k€97k▼
Operating profit (loss)9901€75k€65k▼
Financial income75/76B€0€57k▲
Recurring financial income75€0€50k▲
Non-recurring financial income76B-€8k
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€64k€111k▲
Income taxes67/77€20k€26k▲
Profit (loss) for the period9904€44k€85k▲
Profit (loss) for the period to be appropriated9905€44k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€85k▲
Transfer from equity791/2€10k€11k▲
Transfer to equity691/2€43k€0▼
To other reserves6921€43k€0▼
Profit to be distributed694/7€10k€96k▲
Return on contributions (dividend)694€10k€96k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €85k ▲94.2%
Net result €85k, the highest in the series.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €124k ▲36.6%
6 profitable years in a row build equity to €124k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €6k ▼44.6%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
06-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
08-12-2023
Resigned as Director
Location & real-estate footprint
Registered office, Assesse · 1 establishment unit since 2008
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.
Rue du Puits Saint Martin 175330 AssesseGround area
2,171 m²
Building footprint
222 m²
Parcel 92006D0320/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
STYDEL
since 20082.173.557.588
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92006D0320/00F000 | Wallonia | 2,171 m² | 1 · 222 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
9845003DE660F7B44E35
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PALO NATAL
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Brand Compliance België
BE 0735.675.516
Antwerpen · Eq €113k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,782 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
71121Engineering and related technical consultancy, excluding land surveyors
80090Investigation and security activities
86909Human health activities
86995Nutrition and dietetics services
93130Fitness centres
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.
Contact details
1 entryE-mail:pgrisardbe@gmail.com