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Sté

Active
Franklin Rooseveltlaan 61 ·8790 Waregem, Belgium
KBO/BCE: BE 0805.518.979
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Belgian State Gazette acts: 0 of 1 read
Age2 yrs
Real estate1 parcel · 225 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Sté is 0.4% (very low). The 2025 annual accounts show equity of €445k and a net result of €79k. Its solvency ranks better than 30% of 515 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-03-2026, 134 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 19-03-2026 134 d early 2026-00061190
31-12-2024 31-07-2025 30-06-2025 31 d early 2025-00225903

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€79k-31.4%
Working capital€-11k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 19-03-2026 with the NBB · fiscal year 2025 · verkort
€0€50k€100k€150k€200kOperating result 2024: €190k€190kNet result 2024: €116k€116kOperating result 2025: €131k€131kNet result 2025: €79k€79k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 25.4% 46.0%
better than 30% of 515 sector peers
Net result €79k €55k
better than 59% of 515 sector peers
Equity €445k €216k
better than 65% of 515 sector peers
Gross operating margin €132k €97k
better than 60% of 515 sector peers
Total assets €1.75M €827k
better than 71% of 515 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€131k
-44.9% 24-25
Net profit
€79k
-31.4% 24-25
Cash flow
€79k
-51.5% 24-25
Total assets
€1.75M
+0.3% 24-25
Equity
€445k
+21.7% 24-25
Working capital
€-11k
- 24-25
Income taxes
€31k
-35.6% 24-25
Debt
€1.30M
-5.4% 24-25
Show 9 other metrics
Debt ≤ 1y
€209k
+16.3% 24-25
Debt > 1y
€1.10M
-8.6% 24-25
Current ratio
0.95
-11.6% 24-25
Quick ratio
0.95
-11.6% 24-25
Solvency
25.4%
+21.3% 24-25
Debt / equity
2.93
-22.3% 24-25
ROE
17.8%
-43.6% 24-25
ROA
4.5%
-31.6% 24-25
Interest coverage
5.51
-36.3% 24-25
Figures by fiscal year
Fiscal year2025
Depositverkort
Revenue-
EBITDA€131k
Net profit€79k
Cash flow€79k
Staff costs-
Income taxes€31k
Dividends-
Total assets€1.75M
Equity€445k
Debt€1.30M
of which ≤ 1y€209k
of which > 1y€1.10M
Working capital€-11k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.95
Quick ratio0.95
Working capital ratio-0.6%
Solvency25.4%
Debt / equity2.93
Long-term debt ratio2.46
Interest coverage5.51
Gross margin-
Net margin-
ROA4.5%
ROE17.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€1.75M
Fixed assets 21/28€1.55M
Tangible fixed assets 22/27€0
Financial fixed assets 28€1.55M
Current assets 29/58€198k
Amounts receivable within one year 40/41€188k
Cash & bank 54/58€11k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.75M
Equity 10/15€445k
Contributions / capital 10/11€250k
Reserves 13€195k
Amounts payable 17/49€1.30M
Amounts payable after one year 17€1.10M
Amounts payable within one year 42/48€209k
Trade debts payable within one year 44€15k
Income statement
Gross operating margin 9900€132k
Operating result 9901€131k
Financial income 75€3k
Financial charges 65€24k
Result before taxes 9903€110k
Income taxes 67/77€31k
Net result for the period 9904€79k
Result to be appropriated 9905€79k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
58 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
4 companies at this address See who is registered here

Establishment units

1 location
Sté
Franklin Rooseveltlaan 61, 8790 WaregemHoldings
since 20232.349.817.971
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area225 m²
Buildings1
Building footprint243 m²
Volume (LiDAR)1,809 m³
Tallest building10.4 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34452B0575/00X000 Flanders 224 m² 1 · 243 m² 10.4 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured
Health58Profitability89Solvency37Growth52Stability82
64 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 58
Profitability 89
Solvency 37
Growth 52
Stability 82

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,462 of the 82,116 companies in this sector. 9,496 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL Sté
Registered office
Franklin Rooseveltlaan 61
8790 Waregem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.