SRL S.T.I.
ActiveSummary
The computed 12-month bankruptcy probability of SRL S.T.I. is 3.0% (moderate). The annual accounts of SRL S.T.I. for fiscal year 2025 show a net loss of 89% of the equity at the start of that year. The 2025 annual accounts show equity of €906 and a net result of €-8k. Equity is shrinking by ~44.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 20% of 83 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-41
Solvency27▼-24
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.83 against 1.18 in 2024; short-term debt: 41.9% and cash: 1.2% of total assets), and 98.2% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 24
Relative position
BE, all sectors
reference
Sector 24
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
1.8%
Return on assets
-15.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 83 sector peers (2025).
NBB · sector comparisonPosition among 83 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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 · 3 filingsDeviation from the deadline
2025
49 d late
2024
250 d late
2023
17 d early
← 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
€906▼ 89.5%
2024 · €9k
2023: €8k
2024: €9k
2023 → 2025
Total assets
€49k▲ 46.6%
2024 · €34k
2023: €16k
2024: €34k
2023 → 2025
Net result
€-8k
2024 · €759
2023: €8k
2024: €759
2023 → 2025
Working capital
€-3k
2024 · €3k
2023: €3k
2024: €3k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€8k-€9k▲ 9.7%€906▼ 89.5%
Operating result€11k-€2k▼ 78.6%€-5k
Net result€8k-€759▼ 90.3%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€32k ▲ 124%
Current assets
€17k ▼ 10.9%
Equity and liabilities €49k
Equity
€906 ▼ 89.5%
Debt
€48k ▲ 93.7%
Debt's share of the balance-sheet total rises from 74.3% to 98.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€13k▲
2024 · €8k
Cash flow
€10k▲
2024 · €6k
Current ratio
0.83▼
2024 · 1.18
ROA
-15.7%▼
2024 · 2.3%
Interest coverage
3.72▼
2024 · 8.07
Debt ≤ 1 year
€21k▲
2024 · €16k
Debt > 1 year
€28k▲
2024 · €9k
Income taxes
€133▼
2024 · €1k
Staff costs
€44k▲
2024 · €42k
Equity ratios withheld: equity of €906 is too small for a meaningful ratio.
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€34k€49k▲
Fixed assets21/28€14k€32k▲
Tangible fixed assets22/27€14k€32k▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€10k€29k▲
Current assets29/58€19k€17k▼
Amounts receivable within one year40/41€17k€17k▼
Trade receivables40€6k€4k▼
Other amounts receivable41€11k€12k▲
Cash at bank and in hand54/58€2k€598▼
Equity and liabilities
Total equity and liabilities10/49€34k€49k▲
Equity10/15€9k€906▼
Contributions10/11€1€1=
Reserves13€9k€9k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14-€-8k
Amounts payable17/49€25k€48k▲
Amounts payable after more than one year17€9k€28k▲
Financial debts170/4€9k€28k▲
Amounts payable within one year42/48€16k€21k▲
Current portion of amounts payable after more than one year42€4k€7k▲
Trade debts44€931€2k▲
Suppliers440/4€931€2k▲
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€7k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€42k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€18k▲
Other operating charges640/8€199€2k▲
Gross operating margin9900€50k€59k▲
Operating profit (loss)9901€2k€-5k▼
Financial income75/76B€495€477▼
Recurring financial income75€495€477▼
Financial charges65/66B€987€3k▲
Recurring financial charges65€987€3k▲
Profit (loss) for the period before taxes9903€2k€-8k▼
Income taxes67/77€1k€133▼
Profit (loss) for the period9904€759€-8k▼
Profit (loss) for the period to be appropriated9905€759€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€759€-8k▼
Transfer to equity691/2€759-
To other reserves6921€759-
The notes to these accounts (8 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
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 250 days late
2025
31-12
Financial
Weakest financial yearnet €-8k ▼1116%
Net result drops to €-8k, the lowest in the series.
2024
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Bernissart · 1 establishment unit since 2023
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.
Rue de France(POM) 15A7322 BernissartGround area
494 m²
Building footprint
90 m²
Volume, LiDAR
591 m³
Parcel 51049A0165/00K006, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de France(POM) 15A, 7322 Bernissart
since 20232.345.223.636
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51049A0165/00K006 | Wallonia | 493 m² | 1 · 89 m² | 8.2 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
Of 28 companies in sector 24450 we hold annual accounts for 14. 1 is within a factor 10 of this equity. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2023
Fiscal year end31-12
Activities, NACEBEL 2025
24450Manufacture of basic metals
25530Machining of metals
24540Manufacture of basic metals
25510Coating of metals
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.