STICO
ActiveSTICO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €21k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+4
Solvency70▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.27 in 2024; short-term debt: 23.1% and cash: 27.9% of total assets), and 55.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
44.5%
Return on assets
8.9%
Age of the figures
9 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
19 d late
2023
27 d late
2022
102 d early
2021
52 d early
2020
49 d early
2019
21 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▲ 2.2%
2024 · €100k
2018: €30k
2019: €44k
2020: €59k
2021: €77k
2022: €65k
2023: €86k
2024: €100k
2018 → 2025
Total assets
€229k▲ 2.2%
2024 · €224k
2018: €226k
2019: €222k
2020: €253k
2021: €253k
2022: €237k
2023: €232k
2024: €224k
2018 → 2025
Net result
€21k▲ 51.0%
2024 · €14k
2018: €9k
2019: €14k
2020: €15k
2021: €18k
2022: €23k
2023: €22k
2024: €14k
2018 → 2025
Working capital
€11k▲ 15.0%
2024 · €10k
2018: €-31k
2019: €-33k
2020: €-29k
2021: €-13k
2022: €-23k
2023: €10k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€65k▼ 16.1%€86k▲ 33.6%€100k▲ 15.8%€102k▲ 2.2%
Operating result€25k-€31k▲ 24.8%€35k▲ 13.5%€30k▼ 16.3%€31k▲ 4.7%
Net result€18k-€23k▲ 25.2%€22k▼ 4.2%€14k▼ 37.3%€21k▲ 51.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€165k▼ 7.9%
Current assets
€64k▲ 42.2%
Equity and liabilities €229k
Equity
€102k▲ 2.2%
Debt
€127k▲ 2.1%
The debt ratio stays at 55.5%.
Key figures and ratios
EBITDA
€45k▼
2024 · €50k
Cash flow
€35k▲
2024 · €34k
Solvency
44.5%▲
2024 · 44.5%
Current ratio
1.21▼
2024 · 1.27
Quick ratio
1.21▼
2024 · 1.27
Debt / equity
1.25▼
2024 · 1.25
ROE
20.1%▲
2024 · 13.6%
ROA
8.9%▲
2024 · 6.1%
Interest coverage
11.64▲
2024 · 11.22
Debt
€127k▲
2024 · €125k
Debt ≤ 1 year
€53k▲
2024 · €36k
Debt > 1 year
€74k▼
2024 · €86k
Income taxes
€7k▼
2024 · €12k
Staff costs
€2k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€224k€229k▲
Formation expenses20€0€0=
Fixed assets21/28€179k€165k▼
Tangible fixed assets22/27€179k€165k▼
Land and buildings22€177k€165k▼
Furniture and vehicles24€1k€743▼
Leasing and similar rights25€842-
Current assets29/58€45k€64k▲
Amounts receivable within one year40/41€0€0=
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€45k€64k▲
Equity and liabilities
Total equity and liabilities10/49€224k€229k▲
Equity10/15€100k€102k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€79k€82k▲
Amounts payable17/49€125k€127k▲
Amounts payable after more than one year17€86k€74k▼
Financial debts170/4€86k€74k▼
Amounts payable within one year42/48€36k€53k▲
Current portion of amounts payable after more than one year42€13k€12k▼
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€18k€36k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€14k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€54k€49k▼
Operating profit (loss)9901€30k€31k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€25k€27k▲
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€14k€21k▲
Profit (loss) for the period to be appropriated9905€14k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€100k▲
Profit (loss) brought forward from the previous period14P€66k€79k▲
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Equity above €100kEq €102k ▲2.2%
8 profitable years in a row build equity to €102k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 1.42
Current ratio from 0.54 to 1.42; short-term debt falls from €51k to €23k.
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €23k ▲25.2%
Net result €23k, the highest in the series.
09-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-03
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
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, Zwevegem · 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.
Esserstraat(Z) 88550 ZwevegemGround area
2,567 m²
Building footprint
1,530 m²
Volume, LiDAR
10,450 m³
Parcel 34042A0818/00F000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stico
since 20142.237.536.909
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042A0818/00F000 | Flanders | 2,566 m² | 1 · 1,530 m² | 7.7 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.
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ZJENI
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IMMO DEPAUW
BE 0458.996.377
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CRIS ACCOUNTS
BE 0810.815.773
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ASCENT US
BE 1023.657.430
Grimbergen · Eq €102k
TRADING AND LOGISTICS ADVICE
BE 0844.228.711
Mons · Eq €102k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,562. 40,607 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.