STANDING ENGRAVING
ActiveSTANDING ENGRAVING has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €541k and a net result of €37k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 839 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 4.79 against 5.94 in 2023; short-term debt: 17.5% and cash: 12.2% of total assets), and 23.1% 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○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
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 2024Solvency, return and age of the figures
Solvency
76.9%
Return on assets
5.2%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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
not confirmed
2024
71 d late
2023
86 d late
2022
71 d late
2021
122 d late
2020
90 d late
2019
119 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€541k▼ 5.0%
2023 · €570k
2018: €449k
2019: €475k
2020: €500k
2021: €557k
2022: €575k
2023: €570k
2018 → 2024
Total assets
€703k▼ 5.0%
2023 · €740k
2018: €636k
2019: €604k
2020: €596k
2021: €669k
2022: €691k
2023: €740k
2018 → 2024
Net result
€37k▲ 4.1%
2023 · €35k
2018: €65k
2019: €26k
2020: €25k
2021: €57k
2022: €18k
2023: €35k
2018 → 2024
Working capital
€466k▼ 20.5%
2023 · €586k
2018: €379k
2019: €417k
2020: €454k
2021: €526k
2022: €537k
2023: €586k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€500k-€557k▲ 11.4%€575k▲ 3.2%€570k▼ 0.9%€541k▼ 5.0%
Operating result€37k-€92k▲ 152%€29k▼ 68.4%€55k▲ 89.4%€58k▲ 5.2%
Net result€25k-€57k▲ 133%€18k▼ 68.4%€35k▲ 94.3%€37k▲ 4.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 5% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €703k
Fixed assets
€115k▲ 222%
Current assets
€589k▼ 16.5%
Equity and liabilities €703k
Equity
€541k▼ 5.0%
Debt
€162k▼ 4.9%
The debt ratio stays at 23.1%.
Key figures and ratios
EBITDA
€86k▲
2023 · €65k
Cash flow
€64k▲
2023 · €45k
Solvency
76.9%=
2023 · 76.9%
Current ratio
4.79▼
2023 · 5.94
Quick ratio
4.79▼
2023 · 5.94
Debt / equity
0.30▲
2023 · 0.30
ROE
6.8%▲
2023 · 6.2%
ROA
5.2%▲
2023 · 4.7%
Interest coverage
15.54▼
2023 · 26.61
Debt
€162k▼
2023 · €171k
Debt ≤ 1 year
€123k▲
2023 · €119k
Debt > 1 year
€39k▼
2023 · €52k
Income taxes
€16k▼
2023 · €18k
Staff costs
€65k▲
2023 · €51k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€740k€703k▼
Fixed assets21/28€36k€115k▲
Tangible fixed assets22/27€36k€115k▲
Land and buildings22€8k€8k▼
Plant, machinery and equipment23€17k€17k▼
Furniture and vehicles24€10k€91k▲
Current assets29/58€705k€589k▼
Amounts receivable within one year40/41€516k€470k▼
Trade receivables40€200k€205k▲
Other amounts receivable41€316k€265k▼
Current investments50/53€33k€33k▲
Cash at bank and in hand54/58€156k€86k▼
Equity and liabilities
Total equity and liabilities10/49€740k€703k▼
Equity10/15€570k€541k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€508k€479k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€502k€473k▼
Amounts payable17/49€171k€162k▼
Amounts payable after more than one year17€52k€39k▼
Financial debts170/4€52k€39k▼
Amounts payable within one year42/48€119k€123k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€94k€93k▼
Suppliers440/4€94k€93k▼
Taxes, remuneration and social security45€11k€16k▲
Taxes450/3€10k€8k▼
Remuneration and social security454/9€483€8k▲
Income statement
Code20232024
Remuneration, social security and pensions62€51k€65k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€28k▲
Other operating charges640/8€10k€4k▼
Gross operating margin9900€126k€154k▲
Operating profit (loss)9901€55k€58k▲
Financial income75/76B€49€385▲
Recurring financial income75€49€385▲
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€53k€53k▲
Income taxes67/77€18k€16k▼
Profit (loss) for the period9904€35k€37k▲
Profit (loss) for the period to be appropriated9905€35k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€37k▲
Transfer from equity791/2€40k€65k▲
Transfer to equity691/2€35k€37k▲
To other reserves6921€35k€37k▲
Profit to be distributed694/7€40k€65k▲
Return on contributions (dividend)694€40k€65k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 86 days late
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
31-12
Financial
Weakest financial yearnet €18k ▼68.4%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
31-12
Financial
Equity above €500kEq €557k ▲11.4%
4 profitable years in a row build equity to €557k.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 75 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
20-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 173 days late
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, Putte · 1 establishment unit since 1989
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.
Uilevelden 92580 PutteGround area
541 m²
Building footprint
581 m²
Volume, LiDAR
2,586 m³
2 parcels, Flanders · tallest building 13.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
STANDING ENGRAVING
since 19892.041.666.688
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402C0214/00D006 | Flanders | 330 m² | 1 · 340 m² | 13.1 m · 1 fl. |
| 12029C0898/00D000 | Flanders | 210 m² | 1 · 242 m² | 10.6 m · 1 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.
Similar companies · same sector, comparable size
PUBLI LETTRAL
BE 0423.322.351
Ardooie · Eq €535k
GESSO
BE 0401.481.713
Nivelles · Eq €535k
J-P GERARD - SIMON
BE 0448.721.307
Fléron · Eq €503k
ETABLISSEMENTS PIERRE SAMAIN
BE 0456.155.366
Celles (lez-Tournai) · Eq €583k
BERNARD WEBER
BE 0463.170.644
Etterbeek · Eq €499k
Of 916 companies in sector 32990 we hold annual accounts for 163. 105 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-12-1988
Fiscal year end31-12
Activities, NACEBEL
32990Other manufacturing not elsewhere classified
46496Wholesale trade
51476
46900Non-specialised wholesale trade
47789Other retail sale of new goods
51900
52498
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.