STYL CREDITS

Active Risk: not assessed

Private limited companyfounded 200817 yrs activeAvenue de la Libération 62, 5660 Couvin, BelgiumKBO/BCE: BE 0807.470.461

Summary

STYL CREDITS 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 €14,457 and a net result of €9,327. Equity is growing by ~57.6% per year across the filed fiscal years. Its solvency ranks better than 34% of 2469 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.

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STYL CREDITSActive

Risk analysis Report Compare

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked 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.

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Signals

1 signal. The signal on the left, the evidence on the right.

○neutral

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

23 d early

2024

25 d late

2023

30 d late

2022

31 d late

2021

64 d late

2020

25 d late

2019

61 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 August (4 of the last 5 filed years within 33 days of that day).

Companies Code · seven months

Position in the running window

30-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

History

STYL CREDITS was incorporated on 30 October 2008.¹ Total assets fell from EUR 101,837 in 2018 to EUR 47,061 in 2025 and headcount from 1 full-time equivalents in 2021 to 1 in 2025.²

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Financials · fiscal year 2025, micro schema

Equity

€14,457▲ 182%

2024 · €5,130

Net result

€9,327▲ 278%

2024 · €2,465

Total assets

€47,061▲ 25.3%

2024 · €37,551

Solvency

30.7%▲ 17.1pp

2024 · 13.7%

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before

favourable unfavourable

Line20212022202320242025

Turnover€166,902▼ 2.6%

Operating result€3,890▼ 65.5%€14,436▲ 271%€8,797▼ 39.1%€5,955▼ 32.3%€15,125▲ 154%

Net result€194▼ 97.0%€9,207▲ 4,643%€1,915▼ 79.2%€2,465▲ 28.7%€9,327▲ 278%

Equity-€8,458▲ 2.2%€750€2,665▲ 255%€5,130▲ 92.5%€14,457▲ 182%

Total assets€36,245▼ 10.4%€39,647▲ 9.4%€45,377▲ 14.5%€37,551▼ 17.2%€47,061▲ 25.3%

Debt€44,702▼ 8.9%€38,897▼ 13.0%€42,712▲ 9.8%€32,421▼ 24.1%€32,604▲ 0.6%

Working capital€12,759▼ 27.3%€18,829▲ 47.6%€16,455▼ 12.6%€13,452▼ 18.2%€16,053▲ 19.3%

Solvency-23.3%▼ 1.9pp1.9%▲ 25.2pp5.9%▲ 4.0pp13.7%▲ 7.8pp30.7%▲ 17.1pp

Current ratio1.62▼ 0.611.97▲ 0.361.59▼ 0.381.58▼ 0.011.70▲ 0.12

Return on assets (ROA)0.5%▼ 15.4pp23.2%▲ 22.7pp4.2%▼ 19.0pp6.6%▲ 2.3pp19.8%▲ 13.3pp

Staff (FTE)11=1=1=1=

above within below the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 154% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €47,061

17.3%

82.7%

Fixed assets €8,159 ▲ 745%

Current assets €38,902 ▲ 6.3%

Equity and liabilities €47,061

30.7%

69.3%

Equity €14,457 ▲ 182%

Debt €32,604 ▲ 0.6%

Debt's share of the balance-sheet total falls from 86.3% to 69.3%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

ROE

64.5%▲

2024 · 48.1%

Debt ≤ 1 year

€22,849▼

2024 · €23,134

Debt > 1 year

€7,095▼

2024 · €7,467

Income taxes

€4,763▲

2024 · €2,966

Staff costs

€23,285▲

2024 · €18,915

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines

Balance sheet Code20242025

Assets

Total assets20/58€37,551€47,061▲

Fixed assets21/28€966€8,159▲

Tangible fixed assets22/27€966€8,159▲

Land and buildings22€966€828▼

Furniture and vehicles24-€7,332

Current assets29/58€36,586€38,902▲

Amounts receivable within one year40/41€1,121€1,355▲

Trade receivables40€587€584▼

Other amounts receivable41€534€771▲

Cash at bank and in hand54/58€35,465€37,546▲

Equity and liabilities

Total equity and liabilities10/49€37,551€47,061▲

Equity10/15€5,130€14,457▲

Contributions10/11€6,200€6,200=

Reserves13€1,860€1,860=

Non-distributable reserves130/1€1,860€1,860=

Reserves not available under the articles1311€1,860€1,860=

Profit (loss) carried forward14-€2,930€6,397▲

Amounts payable17/49€32,421€32,604▲

Amounts payable after more than one year17€7,467€7,095▼

Financial debts170/4€7,467€7,095▼

Amounts payable within one year42/48€23,134€22,849▼

Current portion of amounts payable after more than one year42€5,725€7,727▲

Trade debts44€240€673▲

Suppliers440/4€240€673▲

Taxes, remuneration and social security45€6,709€3,838▼

Taxes450/3€2,955-

Remuneration and social security454/9€3,754€3,838▲

Other amounts payable47/48€10,460€10,611▲

Accrued charges and deferred income492/3€1,820€2,660▲

Income statement Code20242025

Remuneration, social security and pensions62€18,915€23,285▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€257€306▲

Other operating charges640/8€1,745€1,641▼

Gross operating margin9900€26,871€40,358▲

Operating profit (loss)9901€5,955€15,125▲

Financial income75/76B€37€0▼

Recurring financial income75€37€0▼

Financial charges65/66B€561€1,036▲

Recurring financial charges65€561€1,036▲

Profit (loss) for the period before taxes9903€5,431€14,090▲

Income taxes67/77€2,966€4,763▲

Profit (loss) for the period9904€2,465€9,327▲

Profit (loss) for the period to be appropriated9905€2,465€9,327▲

Appropriation of the result

Profit (loss) to be appropriated9906-€2,930€6,397▲

Profit (loss) brought forward from the previous period14P-€5,395-€2,930▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2021	2022	2023	2024	2025	Change
Turnover70	€166,902	-	-	-	-	-
Goods, raw materials, services and sundry goods60/61	€145,662	-	-	-	-	-
Remuneration, social security and pensions62	€5,502	€12,029	€20,810	€18,915	€23,285	▲ 23.1%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€7,222	€1,123	€257	€257	€306	▲ 19.4%
Other operating charges640/8	€4,133	€1,295	€1,557	€1,745	€1,641	▼ 6.0%
Non-recurring operating charges66A	€493	-	-	-	-	-
Gross operating margin9900	€21,240	€28,883	€31,421	€26,871	€40,358	▲ 50.2%
Operating profit (loss)9901	€3,890	€14,436	€8,797	€5,955	€15,125	▲ 154%
Financial income75/76B	€1	-	-	€37	€0	▼ 99.5%
Recurring financial income75	€1	-	-	€37	€0	▼ 99.5%
Financial charges65/66B	€1,697	€1,086	€1,972	€561	€1,036	▲ 84.6%
Recurring financial charges65	€1,697	€1,086	€1,972	€561	€1,036	▲ 84.6%
Profit (loss) for the period before taxes9903	€2,194	€13,350	€6,826	€5,431	€14,090	▲ 159%
Income taxes67/77	€2,000	€4,143	€4,910	€2,966	€4,763	▲ 60.6%
Profit (loss) for the period9904	€194	€9,207	€1,915	€2,465	€9,327	▲ 278%
Profit (loss) for the period to be appropriated9905	€194	€9,207	€1,915	€2,465	€9,327	▲ 278%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€36,245	€39,647	€45,377	€37,551	€47,061	▲ 25.3%
Fixed assets21/28	€2,788	€1,479	€1,222	€966	€8,159	▲ 745%
Tangible fixed assets22/27	€2,788	€1,479	€1,222	€966	€8,159	▲ 745%
Land and buildings22	€2,695	€1,479	€1,222	€966	€828	▼ 14.3%
Furniture and vehicles24	€93	-	-	-	€7,332	-
Current assets29/58	€33,457	€38,167	€44,155	€36,586	€38,902	▲ 6.3%
Amounts receivable within one year40/41	€3,162	-	-	€1,121	€1,355	▲ 20.9%
Trade receivables40	-	-	-	€587	€584	▼ 0.4%
Other amounts receivable41	€3,162	-	-	€534	€771	▲ 44.3%
Cash at bank and in hand54/58	€30,294	€38,167	€44,155	€35,465	€37,546	▲ 5.9%
Equity and liabilities
Total equity and liabilities10/49	€36,245	€39,647	€45,377	€37,551	€47,061	▲ 25.3%
Equity10/15	-€8,458	€750	€2,665	€5,130	€14,457	▲ 182%
Contributions10/11	€6,200	€6,200	€6,200	€6,200	€6,200	=
Capital10	€6,200	-	-	-	-	-
Issued capital100	€18,600	-	-	-	-	-
Uncalled capital101	€12,400	-	-	-	-	-
Reserves13	€1,860	€1,860	€1,860	€1,860	€1,860	=
Non-distributable reserves130/1	€1,860	€1,860	€1,860	€1,860	€1,860	=
Legal reserve130	€1,860	-	-	-	-	-
Reserves not available under the articles1311	-	€1,860	€1,860	€1,860	€1,860	=
Profit (loss) carried forward14	-€16,518	-€7,310	-€5,395	-€2,930	€6,397	▲ 318%
Amounts payable17/49	€44,702	€38,897	€42,712	€32,421	€32,604	▲ 0.6%
Amounts payable after more than one year17	€24,005	€18,698	€13,192	€7,467	€7,095	▼ 5.0%
Financial debts170/4	€24,005	€18,698	€13,192	€7,467	€7,095	▼ 5.0%
Amounts payable within one year42/48	€20,697	€19,339	€27,700	€23,134	€22,849	▼ 1.2%
Current portion of amounts payable after more than one year42	€5,527	€5,307	€5,512	€5,725	€7,727	▲ 35.0%
Trade debts44	€7,484	-	€2,972	€240	€673	▲ 180%
Suppliers440/4	€7,484	-	€2,972	€240	€673	▲ 180%
Taxes, remuneration and social security45	€2,509	€5,372	€10,583	€6,709	€3,838	▼ 42.8%
Taxes450/3	€2,000	€3,958	€6,913	€2,955	-	-
Remuneration and social security454/9	€509	€1,414	€3,670	€3,754	€3,838	▲ 2.2%
Other amounts payable47/48	€5,176	€8,660	€8,633	€10,460	€10,611	▲ 1.4%
Accrued charges and deferred income492/3	-	€860	€1,820	€1,820	€2,660	▲ 46.2%

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	€194	€9,207	€1,915	€2,465	€9,327	▲ 278%
+ Depreciation and write-downs630	€7,222	€1,123	€257	€257	€306	▲ 19.4%
Operating cash flow (approximation)	€7,416	€10,331	€2,172	€2,722	€9,633	▲ 254%
Investment in fixed assets (approximation)	-	€186	€0	€0	-€7,500	-
Change in cash	-	€7,873	€5,987	-€8,690	€2,082	▲ 124%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

08-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2018net €9,327 ▲278%

Operating result €15,125, net result €9,327, both a record.

25-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 25 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

03-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 64 days late

2021

25-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 25 days late

2020

31-12

Financial Back to profitnet €6,464

Net result €6,464 after 2 loss-making years.

30-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 61 days late

2019

31-12

Financial Weakest financial yearnet -€11,307

Net result drops to -€11,307, the lowest in the series; recovery starts the following year.

28-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 28 days late

2018

19-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

20-07

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Couvin · 1 establishment unit since 2008

seat establishment The establishment unit on the map

Ground area

1,015 m²

Building footprint

143 m²

Parcel 93014A0180/00E007, Wallonia. Linked by address, not a title deed.

1 establishment unit

STYL CREDITS

Avenue de la Libération 62, 5660 CouvinFinancial service activities, except insurance and pension funding

since 20082.174.929.050

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
93014A0180/00E007	Wallonia	1,015 m²	1 · 143 m²	-

Linked by address, not proof of ownership

Good to know

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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Identification & contact

Identification

Legal formPrivate limited company

Founded30-10-2008

Fiscal year end31-12

Activities, NACEBEL 2025

66220Insurance agents and brokers

Contact

Phone 060/313233Couvin

E-invoicing

Reachable via Peppol

Peppol ID 0208:0807470461

Also 9925:BE0807470461

Registered 09-09-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Scores and ratios are computed by Checked and are not a credit decision.