STF
ActiveSummary
STF has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €-2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 43% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-72
Solvency66▼-34
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 19.99 in 2024; short-term debt: 17.2% and cash: 39.2% of total assets), but 59% 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 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
41%
Return on assets
-4.4%
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 31-08-2026, 31 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
31 d late
2024
14 d late
2023
16 d late
2022
20 d late
2021
22 d late
2020
23 d late
2019
28 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
€70k
EBIT margin
-1.0%
Net result
€-2k
2024 · €14k
2018: €-1k
2019: €-5k
2020: €-5k
2021: €-7k
2022: €185
2023: €4k
2024: €14k
2018 → 2025
Working capital
€10k▼ 46.0%
2024 · €19k
2018: €5k
2019: €46
2020: €1k
2021: €-4k
2022: €-3k
2023: €5k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€70k
Equity€2k-€2k▲ 10.3%€6k▲ 186%€19k▲ 240%€17k▼ 9.6%
Operating result€-7k-€450€4k▲ 752%€14k▲ 256%€-697
Net result€-7k-€185€4k▲ 1,900%€14k▲ 268%€-2k
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 €697 after €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€25k ▲ 4,238%
Current assets
€17k ▼ 11.5%
Equity and liabilities €42k
Equity
€17k ▼ 9.6%
Debt
€25k ▲ 2,447%
Debt's share of the balance-sheet total rises from 4.9% to 59.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k▼
2024 · €14k
Cash flow
€652▼
2024 · €14k
Current ratio
2.38▼
2024 · 19.99
Debt to equity
1.44▲
2024 · 0.05
ROE
-10.7%▼
2024 · 70.5%
ROA
-4.4%▼
2024 · 67.1%
Interest coverage
1.56▼
2024 · 212.51
Debt ≤ 1 year
€7k▲
2024 · €984
Debt > 1 year
€18k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€42k▲
Fixed assets21/28€578€25k▲
Tangible fixed assets22/27€578€25k▲
Land and buildings22€578€289▼
Plant, machinery and equipment23-€25k
Current assets29/58€20k€17k▼
Amounts receivable within one year40/41€10k€752▼
Trade receivables40€10k€692▼
Other amounts receivable41€623€60▼
Cash at bank and in hand54/58€9k€17k▲
Equity and liabilities
Total equity and liabilities10/49€20k€42k▲
Equity10/15€19k€17k▼
Contributions10/11€12k€12k=
Profit (loss) carried forward14€7k€5k▼
Amounts payable17/49€984€25k▲
Amounts payable after more than one year17-€18k
Financial debts170/4-€18k
Amounts payable within one year42/48€984€7k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44€984€1k▲
Suppliers440/4€984€1k▲
Taxes, remuneration and social security45-€61
Taxes450/3-€61
Other amounts payable47/48-€1k
Income statement
Code20242025
Turnover70-€70k
Goods, raw materials, services and sundry goods60/61-€67k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€289€3k▲
Other operating charges640/8€729€810▲
Gross operating margin9900€15k€3k▼
Operating profit (loss)9901€14k€-697▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€66€1k▲
Recurring financial charges65€66€1k▲
Profit (loss) for the period before taxes9903€14k€-2k▼
Profit (loss) for the period9904€14k€-2k▼
Profit (loss) for the period to be appropriated9905€14k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€5k▼
Profit (loss) brought forward from the previous period14P€-7k€7k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Highest result since 2018net €14k ▲268%
Operating result €14k, net result €14k, both a record.
31-12
Financial
Liquidity times 13current ratio 19.99
Current ratio from 1.58 to 19.99; short-term debt falls from €8k to €984.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
20-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 20 days late
2022
31-12
Financial
Back to profitnet €185
Net result €185 after 4 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
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, Lessines · 1 establishment unit since 2006
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.
Rue Arbre à Limont(W) 57861 LessinesGround area
1,525 m²
Building footprint
188 m²
Volume, LiDAR
1,123 m³
Parcel 55512A0076/00C000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STF
since 20062.151.132.574
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55512A0076/00C000 | Wallonia | 1,525 m² | 1 · 187 m² | 7.8 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.
Similar companies · same sector, comparable size
Pulse Technics
BE 0801.657.686
Houthalen-Helchteren · Eq €17,406
HOUSELEC
BE 0799.719.765
Vorst · Eq €17,410
EDCELEC
BE 0895.002.073
Flémalle · Eq €17,416
Focquaert Niels
BE 1000.539.459
Beernem · Eq €17,395
TECHNI-K
BE 0418.977.741
Rixensart · Eq €17,394
Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 6,903 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 (pre-2019)
Founded24-11-2005
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
43350Other building finishing work
43990Other specialised construction activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.