Veerle Stals
ActiveSummary
Veerle Stals has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €6k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+72
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.12 against 3.39 in 2024; short-term debt: 13.1% and cash: 32.4% of total assets), and 13.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
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
86.9%
Return on assets
6.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
24 d late
2023
30 d late
2022
30 d late
2021
26 d late
2020
27 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€82k▲ 7.8%
2024 · €76k
2018: €32k
2019: €39k
2020: €57k
2021: €68k
2022: €79k
2023: €86k
2024: €76k
2018 → 2025
Total assets
€94k▲ 7.1%
2024 · €88k
2018: €43k
2019: €52k
2020: €74k
2021: €78k
2022: €94k
2023: €97k
2024: €88k
2018 → 2025
Net result
€6k
2024 · €-10k
2018: €2k
2019: €7k
2020: €17k
2021: €12k
2022: €11k
2023: €7k
2024: €-10k
2018 → 2025
Working capital
€39k▲ 57.1%
2024 · €25k
2018: €28k
2019: €36k
2020: €41k
2021: €51k
2022: €63k
2023: €68k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€79k▲ 15.7%€86k▲ 8.2%€76k▼ 11.3%€82k▲ 7.8%
Operating result€17k-€17k▲ 0.2%€9k▼ 44.9%€-10k€6k
Net result€12k-€11k▼ 8.4%€7k▼ 39.5%€-10k€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€43k ▼ 18.6%
Current assets
€51k ▲ 46.3%
Equity and liabilities €94k
Equity
€82k ▲ 7.8%
Debt
€12k ▲ 2.5%
Debt's share of the balance-sheet total falls from 13.7% to 13.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €-2k
Cash flow
€16k▲
2024 · €-2k
Current ratio
4.12▲
2024 · 3.39
Debt to equity
0.15▼
2024 · 0.16
ROE
7.3%▲
2024 · -12.7%
ROA
6.3%▲
2024 · -11.0%
Interest coverage
60.71▲
2024 · -6.35
Debt ≤ 1 year
€12k▲
2024 · €10k
Income taxes
€0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€88k€94k▲
Fixed assets21/28€53k€43k▼
Tangible fixed assets22/27€53k€43k▼
Furniture and vehicles24€30k€24k▼
Other tangible fixed assets26€24k€19k▼
Current assets29/58€35k€51k▲
Amounts receivable within one year40/41€13k€20k▲
Trade receivables40€6k€12k▲
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€21k€31k▲
Deferred charges and accrued income490/1€701€809▲
Equity and liabilities
Total equity and liabilities10/49€88k€94k▲
Equity10/15€76k€82k▲
Contributions10/11€12k€12k=
Reserves13€68k€69k▲
Distributable reserves133€68k€69k▲
Profit (loss) carried forward14€-4k-
Amounts payable17/49€12k€12k▲
Amounts payable within one year42/48€10k€12k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€229€4k▲
Taxes450/3€229€4k▲
Other amounts payable47/48€7k€7k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Other operating charges640/8€921€951▲
Gross operating margin9900€-908€17k▲
Operating profit (loss)9901€-10k€6k▲
Financial income75/76B€483€175▼
Recurring financial income75€483€175▼
Financial charges65/66B€288€262▼
Recurring financial charges65€288€262▼
Profit (loss) for the period before taxes9903€-10k€6k▲
Income taxes67/77-€0
Profit (loss) for the period9904€-10k€6k▲
Profit (loss) for the period to be appropriated9905€-10k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€1k▲
Profit (loss) brought forward from the previous period14P€5k€-4k▼
Transfer to equity691/2-€1k
To other reserves6921-€1k
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
31-12
Financial
Weakest financial yearnet €-10k ▼248%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Highest result since 2018net €17k ▲135%
Operating result €24k, net result €17k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Rotselaar · 1 establishment unit since 2009
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.
Aarschotsesteenweg 3003111 RotselaarGround area
1,198 m²
Building footprint
113 m²
Volume, LiDAR
647 m³
Parcel 24123B0150/00P000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Aarschotsesteenweg 300, 3111 Rotselaar
since 20092.175.848.273
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24123B0150/00P000 | Flanders | 1,198 m² | 1 · 113 m² | 7.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,325 EUR awarded · 1,325 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,325 EUR | 1,325 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,074 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2009
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
74130Interior design
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:veerle.stals@telenet.be