ST-LAW
ActiveSummary
ST-LAW has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €65k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▼-70
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
46 d early
2024
70 d early
2023
12 d early
2022
6 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 95.1%
2024 · €101k
2022: €23k
2023: €62k
2024: €101k
2022 → 2025
Total assets
€99k▼ 18.7%
2024 · €121k
2022: €66k
2023: €93k
2024: €121k
2022 → 2025
Net result
€65k▲ 66.6%
2024 · €39k
2022: €18k
2023: €39k
2024: €39k
2022 → 2025
Working capital
€-3k
2024 · €90k
2022: €13k
2023: €53k
2024: €90k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€23k-€62k▲ 168%€101k▲ 62.7%€5k▼ 95.1%
Operating result€23k-€50k▲ 115%€49k▼ 1.7%€83k▲ 68.7%
Net result€18k-€39k▲ 115%€39k=€65k▲ 66.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 69% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99k
Fixed assets
€15k ▼ 36.1%
Current assets
€83k ▼ 14.5%
Equity and liabilities €99k
Equity
€5k ▼ 95.1%
Debt
€94k ▲ 364%
Debt's share of the balance-sheet total rises from 16.6% to 94.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€90k▲
2024 · €56k
Cash flow
€72k▲
2024 · €46k
Current ratio
0.97▼
2024 · 12.59
Debt to equity
18.74▲
2024 · 0.20
ROA
65.9%▲
2024 · 32.1%
Interest coverage
89.62▼
2024 · 98.18
Debt ≤ 1 year
€86k▲
2024 · €8k
Debt > 1 year
€6k▼
2024 · €12k
Income taxes
€17k▲
2024 · €10k
A ratio outside any meaningful range has been withheld (balance sheet total €99k, equity €5k).
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€121k€99k▼
Fixed assets21/28€24k€15k▼
Tangible fixed assets22/27€20k€13k▼
Furniture and vehicles24€20k€13k▼
Financial fixed assets28€4k€2k▼
Current assets29/58€97k€83k▼
Amounts receivable within one year40/41€32k€10k▼
Trade receivables40€6k€10k▲
Other amounts receivable41€26k-
Cash at bank and in hand54/58€62k€70k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€121k€99k▼
Equity10/15€101k€5k▼
Contributions10/11€5k€5k=
Reserves13€96k€0▼
Distributable reserves133€96k€0▼
Amounts payable17/49€20k€94k▲
Amounts payable after more than one year17€12k€6k▼
Financial debts170/4€12k€6k▼
Amounts payable within one year42/48€8k€86k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48-€77k
Accrued charges and deferred income492/3€34€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€57k€91k▲
Operating profit (loss)9901€49k€83k▲
Financial income75/76B€871€680▼
Recurring financial income75€871€680▼
Financial charges65/66B€573€1k▲
Recurring financial charges65€573€1k▲
Profit (loss) for the period before taxes9903€49k€82k▲
Income taxes67/77€10k€17k▲
Profit (loss) for the period9904€39k€65k▲
Profit (loss) for the period to be appropriated9905€39k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€65k▲
Transfer from equity791/2-€96k
Transfer to equity691/2€39k-
To other reserves6921€39k-
Profit to be distributed694/7-€161k
Return on contributions (dividend)694-€161k
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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2022net €65k ▲66.6%
Operating result €83k, net result €65k, both a record.
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 12.59
Current ratio from 5.49 to 12.59; short-term debt falls from €12k to €8k.
30-06
Financial
Equity above €100kEq €101k ▲62.7%
3 profitable years in a row build equity to €101k.
19-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity triplescurrent ratio 5.49
Current ratio from 1.69 to 5.49; short-term debt falls from €19k to €12k.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Zedelgem · 1 establishment unit since 2022
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.
Rijselsestraat 118210 ZedelgemGround area
1,965 m²
Building footprint
314 m²
Volume, LiDAR
1,744 m³
2 parcels, Flanders · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ST-LAW
since 20222.328.571.706
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31017B0285/00K000 | Flanders | 1,131 m² | 1 · 151 m² | - |
| 31017A0483/00C000 | Flanders | 834 m² | 1 · 163 m² | 13.7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Nikolaas Van Steenkiste
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Advocatenkantoor Margot Rysman
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 3,095 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
Founded21-02-2022
Fiscal year end30-06
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.