STAM
ActiveSTAM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €320. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (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
Profitability70▲+7
Solvency73▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.19 in 2024; short-term debt: 45.7% and cash: 22.4% of total assets), and 52.1% 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
47.9%
Return on assets
0.7%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
31 d late
2021
31 d late
2020
30 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 1.4%
2024 · €22k
2020: €-7k
2021: €25k
2022: €16k
2023: €25k
2024: €22k
2020 → 2025
Total assets
€48k▼ 1.9%
2024 · €48k
2020: €52k
2021: €61k
2022: €52k
2023: €49k
2024: €48k
2020 → 2025
Net result
€320
2024 · €-2k
2020: €-13k
2021: €32k
2022: €-9k
2023: €9k
2024: €-2k
2020 → 2025
Working capital
€2k▼ 45.9%
2024 · €4k
2020: €-24k
2021: €25k
2022: €19k
2023: €11k
2024: €4k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€16k▼ 35.9%€25k▲ 54.4%€22k▼ 9.7%€23k▲ 1.4%
Operating result€38k-€-9k€9k€-2k€475
Net result€32k-€-9k€9k€-2k€320
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: €475 after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€24k▲ 1.5%
Current assets
€24k▼ 5.1%
Equity and liabilities €48k
Equity
€23k▲ 1.4%
Debt
€25k▼ 4.8%
The debt ratio falls from 53.7% to 52.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2024 · €7k
Cash flow
€9k▲
2024 · €7k
Solvency
47.9%▲
2024 · 46.3%
Current ratio
1.10▼
2024 · 1.19
Quick ratio
1.03▲
2024 · 0.92
Debt / equity
1.09▼
2024 · 1.16
ROE
1.4%▲
2024 · -10.7%
ROA
0.7%▲
2024 · -5.0%
Interest coverage
58.25▼
2024 · 60.67
Debt
€25k▼
2024 · €26k
Debt ≤ 1 year
€22k▲
2024 · €21k
Debt > 1 year
€2k▼
2024 · €4k
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€48k€48k▼
Fixed assets21/28€23k€24k▲
Tangible fixed assets22/27€23k€24k▲
Plant, machinery and equipment23€20k€19k▼
Furniture and vehicles24€4k€5k▲
Financial fixed assets28€5€5=
Current assets29/58€25k€24k▼
Amounts receivable after more than one year29€11k€9k▼
Other amounts receivable291€11k€9k▼
Stocks and contracts in progress3€6k€2k▼
Stocks30/36€6k€2k▼
Amounts receivable within one year40/41€5k€1k▼
Trade receivables40€2k€273▼
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€3k€11k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€48k€48k▼
Equity10/15€22k€23k▲
Contributions10/11€6k€6k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€-3k€-2k▲
Amounts payable17/49€26k€25k▼
Amounts payable after more than one year17€4k€2k▼
Financial debts170/4€4k€2k▼
Amounts payable within one year42/48€21k€22k▲
Trade debts44€4k€331▼
Suppliers440/4€4k€331▼
Taxes, remuneration and social security45-€4k
Taxes450/3-€3k
Remuneration and social security454/9-€1k
Other amounts payable47/48€17k€17k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€621€626▲
Non-recurring operating charges66A€314€1k▲
Gross operating margin9900€8k€11k▲
Operating profit (loss)9901€-2k€475▲
Financial income75/76B€8€0▼
Recurring financial income75€8€0▼
Financial charges65/66B€121€155▲
Recurring financial charges65€121€155▲
Profit (loss) for the period before taxes9903€-2k€320▲
Profit (loss) for the period9904€-2k€320▲
Profit (loss) for the period to be appropriated9905€-2k€320▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-2k▲
Profit (loss) brought forward from the previous period14P€-264€-3k▼
The notes to these accounts (7 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €320
Net result €320 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 2.63
Current ratio from 0.58 to 2.63; short-term debt falls from €58k to €15k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
07-01-2025
STALLAERT Andy: Resigned as Director
12-11-2020
Martens Liesbeth: Resigned as Director
16-03-2020
STALLAERT Davy: Resigned as Manager
Location & real-estate footprint
Registered office, Oudenaarde · 1 establishment unit since 2019
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.
Kerkgate 359700 OudenaardeGround area
1,983 m²
Building footprint
400 m²
Volume, LiDAR
2,048 m³
Parcel 45021A1218/00E000, Flanders · tallest building 15.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
STAM
since 20192.287.162.109
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45021A1218/00E000 | Flanders | 1,982 m² | 1 · 400 m² | 15.9 m · 1 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.
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 4,199 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2019
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
68122Development of non-residential building projects
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
1 entryPhone:000000000