STECA
ActiveSummary
STECA has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €103k. Equity is shrinking by ~20.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 61% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency69▼-28
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.7 in 2024; short-term debt: 56.4% and cash: 23.3% of total assets), and 56.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
43.6%
Return on assets
66.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
26 d late
2023
30 d late
2022
30 d late
2021
10 d late
2020
30 d late
2019
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€103k▲ 30.6%
2024 · €79k
2018: €32k
2019: €10k
2020: €130k
2021: €27k
2022: €19k
2023: €79k
2024: €79k
2018 → 2025
Working capital
€-3k▲ 64.3%
2024 · €-8k
2018: €255k
2019: €262k
2020: €261k
2021: €198k
2022: €137k
2023: €-13k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€288k-€221k▼ 23.1%€67k▼ 69.7%€67k▲ 0.2%€67k▲ 0.5%
Operating result€36k-€25k▼ 30.3%€105k▲ 322%€105k▼ 0.6%€132k▲ 25.9%
Net result€27k-€19k▼ 30.3%€79k▲ 323%€79k▲ 0.6%€103k▲ 30.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€70k ▼ 6.2%
Current assets
€85k ▲ 364%
Equity and liabilities €155k
Equity
€67k ▲ 0.5%
Debt
€87k ▲ 237%
Debt's share of the balance-sheet total rises from 27.9% to 56.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€136k▲
2024 · €109k
Cash flow
€108k▲
2024 · €84k
Current ratio
0.97▲
2024 · 0.70
Debt to equity
1.29▲
2024 · 0.39
ROE
153.3%▲
2024 · 118.0%
ROA
66.8%▼
2024 · 85.1%
Interest coverage
3410.35▲
2024 · 2429.53
Debt ≤ 1 year
€87k▲
2024 · €26k
Income taxes
€36k▲
2024 · €27k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€93k€155k▲
Fixed assets21/28€75k€70k▼
Tangible fixed assets22/27€75k€70k▼
Land and buildings22€75k€70k▼
Financial fixed assets28€210€210=
Current assets29/58€18k€85k▲
Amounts receivable within one year40/41€16k€49k▲
Trade receivables40€16k€0▼
Other amounts receivable41-€49k
Cash at bank and in hand54/58€3k€36k▲
Equity and liabilities
Total equity and liabilities10/49€93k€155k▲
Equity10/15€67k€67k▲
Contributions10/11€56k€56k=
Reserves13€11k€11k=
Non-distributable reserves130/1€11k€11k=
Reserves not available under the articles1311€11k€11k=
Profit (loss) carried forward14€153€473▲
Amounts payable17/49€26k€87k▲
Amounts payable within one year42/48€26k€87k▲
Trade debts44€61-
Suppliers440/4€61-
Taxes, remuneration and social security45€20k€45k▲
Taxes450/3€20k€45k▲
Other amounts payable47/48€6k€42k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€489€0▼
Gross operating margin9900€112k€139k▲
Operating profit (loss)9901€105k€132k▲
Financial income75/76B€1k€7k▲
Recurring financial income75€1k€7k▲
Non-recurring financial income76B-€7k
Financial charges65/66B€45€40▼
Recurring financial charges65€45€40▼
Profit (loss) for the period before taxes9903€106k€139k▲
Income taxes67/77€27k€36k▲
Profit (loss) for the period9904€79k€103k▲
Profit (loss) for the period to be appropriated9905€79k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€103k▲
Profit (loss) brought forward from the previous period14P€16€153▲
Profit to be distributed694/7€79k€103k▲
Return on contributions (dividend)694€79k€103k▲
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 10 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 2.80
Current ratio from 1.34 to 2.80; short-term debt falls from €772k to €110k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €130k ▲1231%
Operating result €195k, net result €130k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet €10k ▼70%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Mouscron · 1 establishment unit since 2002
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.
Gustave Fachedreef(L) 17700 MouscronGround area
4,973 m²
Building footprint
571 m²
Parcel 54006N0215/00G002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Gustave Fachedreef(L) 1, 7700 Mouscron
since 20022.112.293.774
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54006N0215/00G002 | Wallonia | 4,973 m² | 1 · 571 m² | - |
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.
Similar companies · same sector, comparable size
WoonConcept Vastgoed
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BUILDING4YOU
BE 0537.508.771
Ottignies-Louvain-la-Neuve · Eq €67,290
FRED AND CO
BE 0663.582.938
Elsene · Eq €67,279
Battersea
BE 0428.463.153
Brugge · Eq €67,560
Pauly Invest & Management Consulting
BE 0819.119.369
Riemst · Eq €67,210
Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 3,426 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
Founded18-01-1991
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.