STERNA
ActiveSummary
The computed 12-month bankruptcy probability of STERNA is 3.7% (moderate). The 2025 annual accounts show equity of €43k and a net result of €24k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 51% of 13305 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency56▲+15
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.87 in 2024; short-term debt: 68.8% and cash: 52.3% of total assets), and 68.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
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
31.2%
Return on assets
17.8%
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 24-08-2026, 24 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 · 8 filingsDeviation from the deadline
2025
24 d late
2024
26 d late
2023
6 d late
2022
23 d late
2021
30 d late
2020
82 d late
2019
18 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
25-09-2026 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
€24k▼ 61.7%
2024 · €63k
2018: €26k
2019: €8k
2020: €53k
2021: €88k
2022: €8k
2023: €-42k
2024: €63k
2018 → 2025
Working capital
€8k
2024 · €-23k
2018: €23k
2019: €-12k
2020: €23k
2021: €28k
2022: €32k
2023: €8k
2024: €-23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€112k▲ 8.2%€70k▼ 37.7%€33k▼ 52.3%€43k▲ 28.0%
Operating result€102k-€21k▼ 79.5%€-40k€75k€33k▼ 55.6%
Net result€88k-€8k▼ 90.3%€-42k€63k€24k▼ 61.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€34k ▼ 39.6%
Current assets
€102k ▼ 33.3%
Equity and liabilities €137k
Equity
€43k ▲ 28.0%
Debt
€94k ▼ 46.9%
Debt's share of the balance-sheet total falls from 84.2% to 68.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▼
2024 · €104k
Cash flow
€51k▼
2024 · €93k
Current ratio
1.08▲
2024 · 0.87
Quick ratio
1.05▲
2024 · 0.84
Debt to equity
2.21▼
2024 · 5.32
ROE
57.1%▼
2024 · 190.7%
ROA
17.8%▼
2024 · 30.2%
Interest coverage
73.94▼
2024 · 183.50
Debt ≤ 1 year
€94k▼
2024 · €176k
Income taxes
€8k▼
2024 · €11k
Staff costs
€107k▲
2024 · €61k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€210k€137k▼
Formation expenses20€744€496▼
Fixed assets21/28€57k€34k▼
Tangible fixed assets22/27€52k€30k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€26k€9k▼
Other tangible fixed assets26€22k€17k▼
Financial fixed assets28€5k€5k=
Current assets29/58€153k€102k▼
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€23k€26k▲
Trade receivables40€376-
Other amounts receivable41€23k€26k▲
Cash at bank and in hand54/58€124k€72k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€210k€137k▼
Equity10/15€33k€43k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€25k€35k▲
Amounts payable17/49€177k€94k▼
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€176k€94k▼
Current portion of amounts payable after more than one year42€12k-
Trade debts44€33k€23k▼
Suppliers440/4€33k€23k▼
Taxes, remuneration and social security45€31k€56k▲
Taxes450/3€19k€26k▲
Remuneration and social security454/9€12k€30k▲
Other amounts payable47/48€100k€15k▼
Income statement
Code20242025
Remuneration, social security and pensions62€61k€107k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€27k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€169k€170k▲
Operating profit (loss)9901€75k€33k▼
Financial income75/76B€318-
Recurring financial income75€318-
Financial charges65/66B€567€813▲
Recurring financial charges65€567€813▲
Profit (loss) for the period before taxes9903€75k€32k▼
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€63k€24k▼
Profit (loss) for the period to be appropriated9905€63k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€125k€50k▼
Profit (loss) brought forward from the previous period14P€62k€25k▼
Profit to be distributed694/7€100k€15k▼
Return on contributions (dividend)694€100k€15k▼
The notes to these accounts (9 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €63k
Net result €63k after one loss-making year.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-12
Financial
Weakest financial yearnet €-42k
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €88k ▲66.9%
Operating result €102k, net result €88k, both a record.
31-12
Financial
Equity above €100kEq €104k ▲85.8%
4 profitable years in a row build equity to €104k.
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 82 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 1.40
Current ratio from 0.52 to 1.40.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Brussel · 2 establishment units since 2015
Ground area
726 m²
Building footprint
437 m²
Volume, LiDAR
3,356 m³
3 parcels, Brussels, Flanders · tallest building 16.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
MYKONOS
since 20152.242.770.058
MYKONOS
since 20192.293.289.044
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0823/00M000 | Flanders | 350 m² | 1 · 226 m² | 10.4 m · 1 fl. |
| 21815D0326/00L005 | Brussels | 287 m² | 1 · 116 m² | 16.9 m · 4 fl. |
| 21562A0285/00T000 | Brussels | 90 m² | 1 · 95 m² | 16.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesSint-Genesius-Rode/Rhode-Saint-Genèse2.293.289.044
Sint-Gillis2.242.770.058
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 9,766 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
Founded08-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
46341Wholesale of wines and spirits
46349Wholesale of beverages, general range
46389Wholesale of other food products
46494Wholesale of non-electrical household articles
47110Non-specialised retail sale with food, beverages or tobacco predominating
47251Retail sale of wines and spirits
47252Retail sale of beverages, general range
47279Other retail sale of food
47553Retail trade
47559Retail sale of other household articles
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.