STAPS
ActiveSTAPS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €-13k. Equity is shrinking by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-4
Solvency40▼-9
Growth32=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.87 against 0.96 in 2024), and 72.6% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
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
27.4%
Return on assets
-7.8%
Age of the figures
14 mo
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 22-12-2025, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
40 d early
2024
39 d early
2023
44 d early
2022
40 d early
2021
33 d early
2020
27 d early
2019
17 d early
← before the deadline
after the deadline →
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 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▼ 22.2%
2024 · €57k
2019: €79k
2020: €81k
2021: €81k
2022: €57k
2023: €57k
2024: €57k
2019 → 2025
Total assets
€163k▼ 10.2%
2024 · €181k
2019: €208k
2020: €206k
2021: €189k
2022: €169k
2023: €166k
2024: €181k
2019 → 2025
Net result
€-13k
2024 · €430
2019: €593
2020: €1k
2021: €128
2022: €-23k
2023: €-699
2024: €430
2019 → 2025
Working capital
€-14k▼ 194%
2024 · €-5k
2019: €-19k
2020: €-33k
2021: €-18k
2022: €-24k
2023: €-10k
2024: €-5k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81k-€57k▼ 28.9%€57k▼ 1.2%€57k▲ 0.8%€45k▼ 22.2%
Operating result€1k-€-23k€-509▲ 97.7%€708€-12k
Net result€128-€-23k€-699▲ 97.0%€430€-13k
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 €12k after €708 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€71k▼ 4.9%
Current assets
€91k▼ 14.0%
Equity and liabilities €163k
Equity
€45k▼ 22.2%
Debt
€118k▼ 4.7%
The debt ratio rises from 68.4% to 72.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€2k▼
2024 · €16k
Cash flow
€2k▼
2024 · €15k
Solvency
27.4%▼
2024 · 31.6%
Current ratio
0.87▼
2024 · 0.96
Quick ratio
0.87▼
2024 · 0.96
Debt / equity
2.65▲
2024 · 2.16
ROE
-28.6%▼
2024 · 0.8%
ROA
-7.8%▼
2024 · 0.2%
Interest coverage
6.74▼
2024 · 55.89
Debt
€118k▼
2024 · €124k
Debt ≤ 1 year
€105k▼
2024 · €111k
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€181k€163k▼
Fixed assets21/28€75k€71k▼
Tangible fixed assets22/27€75k€71k▼
Land and buildings22€75k€70k▼
Plant, machinery and equipment23-€1k
Financial fixed assets28€239€239=
Current assets29/58€106k€91k▼
Amounts receivable within one year40/41€98k€89k▼
Trade receivables40€5k€5k=
Other amounts receivable41€93k€84k▼
Cash at bank and in hand54/58€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€181k€163k▼
Equity10/15€57k€45k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€19k€19k=
Non-distributable reserves130/1€5k€5k=
Legal reserve130€5k€5k=
Tax-exempt reserves132€5k€5k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€-24k€-36k▼
Amounts payable17/49€124k€118k▼
Amounts payable within one year42/48€111k€105k▼
Trade debts44€9k€5k▼
Suppliers440/4€9k€5k▼
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€100k€100k▼
Accrued charges and deferred income492/3€13k€13k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€18k€4k▼
Operating profit (loss)9901€708€-12k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€278€276▼
Recurring financial charges65€278€276▼
Profit (loss) for the period before taxes9903€430€-13k▼
Profit (loss) for the period9904€430€-13k▼
Profit (loss) for the period to be appropriated9905€430€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-36k▼
Profit (loss) brought forward from the previous period14P€-24k€-24k▲
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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €430
Net result €430 after 2 loss-making years.
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €-23k ▼18436%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
2021
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €1k ▲124%
Net result €1k, the highest in the series.
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-01
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
3 acts for this company are 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, Stekene · 1 establishment unit since 1988
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.
Polken(STE) 309190 StekeneGround area
1,008 m²
Building footprint
164 m²
Volume, LiDAR
1,047 m³
Parcel 46024B0163/00E000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STAPS NV
since 19882.039.847.543
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024B0163/00E000 | Flanders | 1,008 m² | 1 · 164 m² | 8.4 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.
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BE 0597.730.628
Mont-de-l'Enclus · Eq €45k
RVC ROMAN
BE 0800.175.566
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BOD CONSTRUCT
BE 0715.410.434
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GERARDO FORERO
BE 0839.389.597
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Of 3,987 companies in sector 43310 we hold annual accounts for 1,737. 1,505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-07-1988
Fiscal year end30-06
Activities, NACEBEL
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.