'T STOVEKEN
Active'T STOVEKEN has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130k and a net result of €12k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 13306 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-15
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.92 against 4.89 in 2024; short-term debt: 26.3% and cash: 47.6% of total assets), and 26.4% 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 56
Relative position
BE, all sectors
reference
Sector 56
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
73.6%
Return on assets
6.6%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
31 d early
2023
34 d early
2022
42 d early
2021
47 d early
2020
37 d early
2019
37 d early
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€130k▼ 12.4%
2024 · €148k
2018: €17k
2019: €33k
2020: €63k
2021: €84k
2022: €105k
2023: €126k
2024: €148k
2018 → 2025
Total assets
€176k▲ 2.3%
2024 · €172k
2018: €131k
2019: €134k
2020: €154k
2021: €167k
2022: €169k
2023: €152k
2024: €172k
2018 → 2025
Net result
€12k▼ 64.4%
2024 · €33k
2018: €6k
2019: €21k
2020: €37k
2021: €20k
2022: €21k
2023: €21k
2024: €33k
2018 → 2025
Working capital
€89k▼ 5.4%
2024 · €94k
2018: €-17k
2019: €-16k
2020: €-4
2021: €29k
2022: €63k
2023: €61k
2024: €94k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€105k▲ 25.4%€126k▲ 19.9%€148k▲ 17.7%€130k▼ 12.4%
Operating result€29k-€32k▲ 9.3%€32k▼ 1.5%€46k▲ 44.6%€16k▼ 64.7%
Net result€20k-€21k▲ 4.0%€21k▼ 1.8%€33k▲ 56.8%€12k▼ 64.4%
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 2025; 2025 is 65% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176k
Fixed assets
€41k▼ 24.0%
Current assets
€135k▲ 14.3%
Equity and liabilities €176k
Equity
€130k▼ 12.4%
Debt
€47k▲ 92.4%
The debt ratio rises from 14.1% to 26.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €62k
Cash flow
€27k▼
2024 · €49k
Solvency
73.6%▼
2024 · 85.9%
Current ratio
2.92▼
2024 · 4.89
Quick ratio
2.81▼
2024 · 4.56
Debt / equity
0.36▲
2024 · 0.16
ROE
9.0%▼
2024 · 22.1%
ROA
6.6%▼
2024 · 19.0%
Interest coverage
32.61▼
2024 · 114.94
Debt
€47k▲
2024 · €24k
Debt ≤ 1 year
€46k▲
2024 · €24k
Income taxes
€5k▼
2024 · €13k
Staff costs
€19k▲
2024 · €16k
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€172k€176k▲
Fixed assets21/28€54k€41k▼
Tangible fixed assets22/27€54k€41k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€7k€2k▼
Other tangible fixed assets26€43k€36k▼
Current assets29/58€118k€135k▲
Amounts receivable after more than one year29€37k€37k=
Other amounts receivable291€37k€37k=
Stocks and contracts in progress3€8k€5k▼
Stocks30/36€8k€5k▼
Amounts receivable within one year40/41€85€5k▲
Other amounts receivable41€85€5k▲
Cash at bank and in hand54/58€69k€84k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€172k€176k▲
Equity10/15€148k€130k▼
Contributions10/11€20k€20k=
Reserves13€128k€109k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€128k€109k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€24k€47k▲
Amounts payable within one year42/48€24k€46k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€40€0▼
Credit institutions430/8€40€0▼
Trade debts44€2k€877▼
Suppliers440/4€2k€877▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€9k€7k▼
Remuneration and social security454/9€1k€1k▼
Other amounts payable47/48€12k€37k▲
Accrued charges and deferred income492/3€0€320▲
Income statement
Code20242025
Remuneration, social security and pensions62€16k€19k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€961€941▼
Gross operating margin9900€79k€51k▼
Operating profit (loss)9901€46k€16k▼
Financial income75/76B€667€2k▲
Recurring financial income75€667€2k▲
Financial charges65/66B€538€963▲
Recurring financial charges65€538€963▲
Profit (loss) for the period before taxes9903€46k€17k▼
Income taxes67/77€13k€5k▼
Profit (loss) for the period9904€33k€12k▼
Profit (loss) for the period to be appropriated9905€33k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€12k▼
Transfer from equity791/2€10k€30k▲
Transfer to equity691/2€33k€12k▼
To other reserves6921€33k€12k▼
Profit to be distributed694/7€10k€30k▲
Return on contributions (dividend)694€10k€30k▲
The notes to these accounts (6 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €105k ▲25.4%
5 profitable years in a row build equity to €105k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €37k ▲72.4%
Operating result €46k, net result €37k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Lokeren · 1 establishment unit since 1996
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.
Eksaardsedam 659160 LokerenGround area
285 m²
Building footprint
275 m²
Volume, LiDAR
1,982 m³
Parcel 46007B0227/00P000, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Restaurant Oliver & Co
since 19962.075.042.014
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46007B0227/00P000 | Flanders | 285 m² | 1 · 275 m² | 10.4 m · 3 fl. |
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
Food safety, FASFC
1 siteLokeren2.075.042.014
Legal Entity Identifier
9845007A1AF381EE6D19
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 9,266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-1995
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.