DRIE STERREN
ActiveDRIE STERREN has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €257k and a net result of €441. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 1543 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+1
Solvency100=
Growth56▼-16
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 3.24 against 3.11 in 2024; short-term debt: 25.4% and cash: 66.1% of total assets), and 25.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 10
Relative position
BE, all sectors
reference
Sector 10
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
74.6%
Return on assets
0.1%
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 31-08-2026, 31 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
31 d late
2024
25 d late
2023
18 d early
2022
16 d early
2021
13 d early
2020
31 d late
2019
73 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.17M▲ 9.6%
2023 · €1.07M
2018: €716k
2019: €678k
2020: €746k
2021: €757k
2022: €964k
2023: €1.07M
2018 → 2024
EBIT margin
3.9%▲ 0.9pp
2023 · 2.9%
2018: 1.6%
2019: 4.1%
2020: 3.4%
2021: 2.8%
2022: 2.8%
2023: 2.9%
2018 → 2024
Net result
€441▼ 98.6%
2024 · €32k
2018: €7k
2019: €3k
2020: €29k
2021: €7k
2022: €23k
2023: €27k
2024: €32k
2018 → 2025
Working capital
€195k▲ 10.9%
2024 · €176k
2018: €103k
2019: €112k
2020: €146k
2021: €132k
2022: €81k
2023: €123k
2024: €176k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€757k-€964k▲ 27.4%€1.07M▲ 10.9%€1.17M▲ 9.6%
Equity€175k-€198k▲ 13.2%€225k▲ 13.5%€257k▲ 14.0%€257k▲ 0.2%
Operating result€22k-€27k▲ 24.8%€32k▲ 17.2%€45k▲ 43.6%€11k▼ 76.1%
Net result€7k-€23k▲ 228%€27k▲ 15.9%€32k▲ 17.8%€441▼ 98.6%
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 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €344k
Fixed assets
€62k▼ 23.3%
Current assets
€283k▲ 8.8%
Equity and liabilities €344k
Equity
€257k▲ 0.2%
Debt
€87k▲ 4.5%
The debt ratio rises from 24.6% to 25.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▼
2024 · €67k
Cash flow
€19k▼
2024 · €53k
Solvency
74.6%▼
2024 · 75.4%
Current ratio
3.24▲
2024 · 3.11
Quick ratio
2.72▼
2024 · 2.74
Debt / equity
0.34▲
2024 · 0.33
ROE
0.2%▼
2024 · 12.3%
ROA
0.1%▼
2024 · 9.3%
Interest coverage
6.49▼
2024 · 87.42
Debt
€87k▲
2024 · €84k
Debt ≤ 1 year
€87k▲
2024 · €84k
Income taxes
€6k▼
2024 · €16k
Staff costs
€102k▲
2024 · €98k
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€340k€344k▲
Fixed assets21/28€81k€62k▼
Tangible fixed assets22/27€77k€59k▼
Plant, machinery and equipment23€46k€40k▼
Furniture and vehicles24€31k€19k▼
Financial fixed assets28€3k€3k=
Current assets29/58€260k€283k▲
Stocks and contracts in progress3€31k€45k▲
Stocks30/36€31k€45k▲
Amounts receivable within one year40/41€7k€10k▲
Trade receivables40€2k€2k=
Other amounts receivable41€5k€8k▲
Cash at bank and in hand54/58€221k€228k▲
Equity and liabilities
Total equity and liabilities10/49€340k€344k▲
Equity10/15€257k€257k▲
Contributions10/11€19k€19k=
Reserves13€65k€65k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€57k€57k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€173k€173k▲
Amounts payable17/49€84k€87k▲
Amounts payable within one year42/48€84k€87k▲
Current portion of amounts payable after more than one year42€17k-
Financial debts43-€6k
Credit institutions430/8-€6k
Trade debts44€33k€44k▲
Suppliers440/4€33k€44k▲
Taxes, remuneration and social security45€30k€34k▲
Taxes450/3€1k-
Remuneration and social security454/9€28k€34k▲
Other amounts payable47/48€4k€4k▲
Income statement
Code20242025
Turnover70€1.17M-
Goods, raw materials, services and sundry goods60/61€1.00M-
Remuneration, social security and pensions62€98k€102k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€19k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€169k€135k▼
Operating profit (loss)9901€45k€11k▼
Financial income75/76B€3k€193▼
Recurring financial income75€183€193▲
Non-recurring financial income76B€3k-
Financial charges65/66B€769€5k▲
Recurring financial charges65€769€5k▲
Profit (loss) for the period before taxes9903€48k€6k▼
Income taxes67/77€16k€6k▼
Profit (loss) for the period9904€32k€441▼
Profit (loss) for the period to be appropriated9905€32k€441▼
Appropriation of the result
Profit (loss) to be appropriated9906€173k€173k▲
Profit (loss) brought forward from the previous period14P€141k€173k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €441 ▼98.6%
Net result drops to €441, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2018net €32k ▲17.8%
Operating result €45k, net result €32k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €225k ▲13.5%
6 profitable years in a row build equity to €225k.
15-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €150kEq €168k ▲20.5%
3 profitable years in a row build equity to €168k.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 73 days late
2019
28-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-06
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
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.
Location & real-estate footprint
Registered office, Antwerpen · 2 establishment units 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.
Dambruggestraat 2462060 AntwerpenGround area
205 m²
Building footprint
205 m²
Volume, LiDAR
2,420 m³
2 parcels, Flanders · tallest building 14.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
DRIE STERREN
since 19962.076.894.021
DRIE STERREN
since 20022.178.711.555
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0212/00A016 | Flanders | 109 m² | 1 · 109 m² | 14.3 m · 5 fl. |
| 11805E0209/00D002 | Flanders | 96 m² | 1 · 96 m² | 11.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2 sitesAntwerpen2.076.894.021
Antwerpen2.178.711.555
Similar companies · same sector, comparable size
Dildar
BE 0636.799.159
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BOULANGERIE HODY
BE 0447.605.906
Fleurus · Eq €257k
BIONAM
BE 0895.940.597
Namur · Eq €256k
Bakkerij Mannaerts
BE 0783.574.116
Lommel · Eq €258k
Bakkerij Goethals - Lippens
BE 0775.778.185
Lochristi · Eq €258k
Of 4,227 companies in sector 10712 we hold annual accounts for 1,871. 1,459 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-1994
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.