WIM STERCKX
ActiveWIM STERCKX has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €462k and a net result of €172k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 65% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+11
Solvency83▲+11
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 1.5 in 2024; short-term debt: 25.2% and cash: 47.3% of total assets), and 42.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
57.9%
Return on assets
21.6%
Age of the figures
9 mo
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
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
37 d early
2023
47 d early
2022
11 d early
2021
5 d early
2020
1 d early
2019
15 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€462k▲ 16.9%
2024 · €395k
2018: €365k
2019: €401k
2020: €401k
2021: €387k
2022: €427k
2023: €492k
2024: €395k
2018 → 2025
Total assets
€797k▼ 4.8%
2024 · €837k
2018: €633k
2019: €665k
2020: €615k
2021: €603k
2022: €736k
2023: €849k
2024: €837k
2018 → 2025
Net result
€172k▲ 58.6%
2024 · €108k
2018: €144k
2019: €37k
2020: €69k
2021: €41k
2022: €40k
2023: €65k
2024: €108k
2018 → 2025
Working capital
€315k▲ 113%
2024 · €148k
2018: €320k
2019: €373k
2020: €390k
2021: €362k
2022: €281k
2023: €198k
2024: €148k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€387k-€427k▲ 10.3%€492k▲ 15.3%€395k▼ 19.8%€462k▲ 16.9%
Operating result€58k-€64k▲ 9.1%€104k▲ 62.9%€159k▲ 52.7%€120k▼ 24.2%
Net result€41k-€40k▼ 2.5%€65k▲ 64.2%€108k▲ 65.3%€172k▲ 58.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €797k
Fixed assets
€281k▼ 28.1%
Current assets
€516k▲ 15.5%
Equity and liabilities €797k
Equity
€462k▲ 16.9%
Debt
€335k▼ 24.2%
The debt ratio falls from 52.8% to 42.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€130k▼
2024 · €168k
Cash flow
€181k▲
2024 · €118k
Solvency
57.9%▲
2024 · 47.2%
Current ratio
2.57▲
2024 · 1.50
Quick ratio
2.57▲
2024 · 1.50
Debt / equity
0.73▼
2024 · 1.12
ROE
37.2%▲
2024 · 27.4%
ROA
21.6%▲
2024 · 12.9%
Interest coverage
32.10▼
2024 · 39.13
Debt
€335k▼
2024 · €442k
Debt ≤ 1 year
€201k▼
2024 · €298k
Debt > 1 year
€133k▼
2024 · €144k
Income taxes
€47k▼
2024 · €51k
Staff costs
€1k▼
2024 · €2k
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€837k€797k▼
Fixed assets21/28€391k€281k▼
Tangible fixed assets22/27€221k€212k▼
Land and buildings22€221k€212k▼
Plant, machinery and equipment23€410€100▼
Financial fixed assets28€169k€69k▼
Current assets29/58€446k€516k▲
Amounts receivable within one year40/41€132k€137k▲
Trade receivables40€65k€65k▼
Other amounts receivable41€67k€72k▲
Cash at bank and in hand54/58€315k€377k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€837k€797k▼
Equity10/15€395k€462k▲
Contributions10/11€19k€19k=
Reserves13€362k€428k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€360k€426k▲
Profit (loss) carried forward14€15k€15k=
Amounts payable17/49€442k€335k▼
Amounts payable after more than one year17€144k€133k▼
Financial debts170/4€144k€133k▼
Amounts payable within one year42/48€298k€201k▼
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€28k€24k▼
Suppliers440/4€28k€24k▼
Taxes, remuneration and social security45€54k€27k▼
Taxes450/3€54k€27k▼
Other amounts payable47/48€206k€139k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A€3k€500▼
Remuneration, social security and pensions62€2k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€172k€133k▼
Operating profit (loss)9901€159k€120k▼
Financial income75/76B€5k€103k▲
Recurring financial income75€5k€103k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€159k€219k▲
Income taxes67/77€51k€47k▼
Profit (loss) for the period9904€108k€172k▲
Profit (loss) for the period to be appropriated9905€108k€172k▲
Appropriation of the result
Profit (loss) to be appropriated9906€123k€186k▲
Profit (loss) brought forward from the previous period14P€15k€15k=
Transfer from equity791/2€206k€105k▼
Transfer to equity691/2€108k€172k▲
To other reserves6921€108k€172k▲
Profit to be distributed694/7€206k€105k▼
Return on contributions (dividend)694€206k€105k▼
The notes to these accounts (9 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €172k ▲58.6%
Net result €172k, the highest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €37k ▼74.6%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Geel · 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.
Grotweg 172440 GeelGround area
849 m²
Building footprint
124 m²
Volume, LiDAR
738 m³
Parcel 13372B0667/00X002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WIM STERCKX
since 20082.174.405.250
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13372B0667/00X002 | Flanders | 849 m² | 1 · 124 m² | 11.0 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.
Similar companies · same sector, comparable size
ALGEMEEN BOUWBEDRIJF M. GOVAERTS
BE 0403.720.136
Schoten · Eq €461k
TRAGECO BAT
BE 0426.669.841
Waimes · Eq €461k
SACCOL EN VAN LOOY VASTGOED
BE 0441.240.825
Turnhout · Eq €461k
StG
BE 0898.970.363
Zwalm · Eq €461k
QUATRIBO
BE 0628.864.361
Puurs-Sint-Amands · Eq €460k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 9,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2008
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.