STE
ActiveSummary
STE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €64k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 53% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency75▲+25
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 1.21 in 2024; short-term debt: 50.4% and cash: 8.7% of total assets), but 50.4% of the assets are financed with debt.
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
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 · 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
49.6%
Return on assets
36.3%
Age of the figures
15 mo
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
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 17-12-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
45 d early
2023
11 d early
2022
50 d early
2021
33 d early
2020
23 d early
2019
12 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
€87k▲ 37.3%
2024 · €63k
2019: €32k
2020: €33k
2021: €43k
2022: €47k
2023: €48k
2024: €63k
2019 → 2025
Total assets
€175k▼ 30.7%
2024 · €253k
2019: €138k
2020: €187k
2021: €215k
2022: €164k
2023: €192k
2024: €253k
2019 → 2025
Net result
€64k▼ 33.1%
2024 · €95k
2019: €18k
2020: €14k
2021: €39k
2022: €43k
2023: €34k
2024: €95k
2019 → 2025
Working capital
€70k▲ 78.5%
2024 · €39k
2019: €26k
2020: €64k
2021: €24k
2022: €43k
2023: €37k
2024: €39k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€47k▲ 8.0%€48k▲ 3.7%€63k▲ 31.2%€87k▲ 37.3%
Operating result€54k-€58k▲ 8.7%€57k▼ 2.2%€121k▲ 111%€82k▼ 31.6%
Net result€39k-€43k▲ 11.8%€34k▼ 22.4%€95k▲ 182%€64k▼ 33.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175k
Fixed assets
€17k ▼ 29.8%
Current assets
€158k ▼ 30.8%
Equity and liabilities €175k
Equity
€87k ▲ 37.3%
Debt
€88k ▼ 53.4%
Debt's share of the balance-sheet total falls from 75.0% to 50.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92k▼
2024 · €129k
Cash flow
€73k▼
2024 · €103k
Current ratio
1.79▲
2024 · 1.21
Debt to equity
1.02▼
2024 · 3.00
ROE
73.2%▼
2024 · 150.1%
ROA
36.3%▼
2024 · 37.6%
Interest coverage
19.46▼
2024 · 67.32
Debt ≤ 1 year
€88k▼
2024 · €190k
Income taxes
€17k▼
2024 · €20k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€253k€175k▼
Fixed assets21/28€24k€17k▼
Tangible fixed assets22/27€24k€17k▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€11k€7k▼
Other tangible fixed assets26€719-
Financial fixed assets28€194€194=
Current assets29/58€229k€158k▼
Amounts receivable within one year40/41€154k€136k▼
Trade receivables40€83k€76k▼
Other amounts receivable41€71k€60k▼
Cash at bank and in hand54/58€70k€15k▼
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€253k€175k▼
Equity10/15€63k€87k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€43k€67k▲
Amounts payable17/49€190k€88k▼
Amounts payable within one year42/48€190k€88k▼
Trade debts44€110k€48k▼
Suppliers440/4€110k€48k▼
Taxes, remuneration and social security45€60-
Taxes450/3€60-
Other amounts payable47/48€80k€40k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€6k€4k▼
Gross operating margin9900€135k€96k▼
Operating profit (loss)9901€121k€82k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€8k€5k▼
Recurring financial charges65€2k€5k▲
Non-recurring financial charges66B€6k-
Profit (loss) for the period before taxes9903€115k€81k▼
Income taxes67/77€20k€17k▼
Profit (loss) for the period9904€95k€64k▼
Profit (loss) for the period to be appropriated9905€95k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123k€107k▼
Profit (loss) brought forward from the previous period14P€28k€43k▲
Profit to be distributed694/7€80k€40k▼
Return on contributions (dividend)694€80k€40k▼
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
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2019net €95k ▲182%
Operating result €121k, net result €95k, both a record.
20-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €14k ▼23.5%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
19-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-01
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
8 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, Hamme (Vl.) · 1 establishment unit since 2014
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.
Neerstraat 59220 Hamme (Vl.)Ground area
1,411 m²
Building footprint
761 m²
Volume, LiDAR
3,916 m³
2 parcels, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Noordstraat 82, 9220 Hamme (Vl.)
since 20142.233.751.929
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A1534/00K002 | Flanders | 1,237 m² | 1 · 690 m² | 5.7 m · 2 fl. |
| 42008A1761/00M004 | Flanders | 174 m² | 1 · 71 m² | 11.7 m · 2 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
BAMECO BELGIË
BE 0844.211.586
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Mr. Sholy
BE 0506.757.296
Genk · Eq €87,117
ISOTRA
BE 0425.995.393
Fleurus · Eq €87,187
ECOFOAM
BE 0752.839.269
Brussel · Eq €86,488
ONKELINX AFWERKING
BE 0550.534.980
Gingelom · Eq €86,305
Of 4,271 companies in sector 43230 we hold annual accounts for 1,241. 1,045 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
Founded10-07-2014
Fiscal year end30-06
Activities, NACEBEL 2025
43230Insulation installation
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.