Stirum 84
ActiveStirum 84 has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €14k and a net result of €19k. Equity is shrinking by ~33.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 24% of 11618 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
86
/ 100
Excellent▲ +65 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency40=
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.81 in 2023), and 74.2% 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+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 71
Relative position
BE, all sectors
reference
Sector 71
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
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 2024Solvency, return and age of the figures
Solvency
25.8%
Return on assets
36.4%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 11618 sector peers (2024).
NBB · sector comparisonPosition among 11618 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
28 d late
2022
28 d late
2021
33 d early
2020
25 d early
2019
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€14k
2023 · €-6k
2018: €9k
2019: €9k
2020: €9k
2021: €399
2022: €-9k
2023: €-6k
2018 → 2024
Total assets
€53k▲ 120%
2023 · €24k
2018: €86k
2019: €22k
2020: €29k
2021: €30k
2022: €30k
2023: €24k
2018 → 2024
Net result
€19k▲ 515%
2023 · €3k
2018: €-17k
2019: €-17k
2020: €-18k
2021: €-8k
2022: €-9k
2023: €3k
2018 → 2024
Working capital
€2k
2023 · €-5k
2018: €8k
2019: €12k
2020: €10k
2021: €399
2022: €-10k
2023: €-5k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€9k-€399▼ 95.4%€-9k€-6k▲ 35.9%€14k
Operating result€-27-€-8k▼ 28,739%€-9k▼ 11.4%€4k€20k▲ 433%
Net result€-18k-€-8k▲ 53.2%€-9k▼ 10.9%€3k€19k▲ 515%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 433% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €53k
Fixed assets
€11k▲ 1,280%
Current assets
€42k▲ 79.0%
Equity and liabilities €53k
Equity
€14k
Debt
€40k
Debt finances 74.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€21k▲
2023 · €4k
Cash flow
€21k▲
2023 · €4k
Solvency
25.8%▲
2023 · -23.2%
Current ratio
1.06▲
2023 · 0.81
Quick ratio
1.06▲
2023 · 0.81
Debt / equity
2.87▲
2023 · -5.32
ROE
140.8%▲
2023 · -56.1%
ROA
36.4%▲
2023 · 13.0%
Interest coverage
97.45▲
2023 · 23.50
Debt
€40k▲
2023 · €30k
Debt ≤ 1 year
€40k▲
2023 · €29k
Income taxes
€249▼
2023 · €391
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€24k€53k▲
Fixed assets21/28€821€11k▲
Tangible fixed assets22/27€821€11k▲
Plant, machinery and equipment23€821€1k▲
Furniture and vehicles24-€10k
Current assets29/58€23k€42k▲
Amounts receivable within one year40/41€20k€37k▲
Trade receivables40€12k€27k▲
Other amounts receivable41€8k€10k▲
Cash at bank and in hand54/58€476€2k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€24k€53k▲
Equity10/15€-6k€14k▲
Contributions10/11€6k€6k=
Reserves13€20k€20k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Tax-exempt reserves132€18k€18k=
Distributable reserves133-€2k
Profit (loss) carried forward14€-32k€-13k▲
Amounts payable17/49€30k€40k▲
Amounts payable within one year42/48€29k€40k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€20k€35k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20232024
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€539€2k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€6k€23k▲
Operating profit (loss)9901€4k€20k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€181€221▲
Recurring financial charges65€181€221▲
Profit (loss) for the period before taxes9903€4k€20k▲
Income taxes67/77€391€249▼
Profit (loss) for the period9904€3k€19k▲
Profit (loss) for the period to be appropriated9905€3k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-13k▲
Profit (loss) brought forward from the previous period14P€-35k€-32k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €19k ▲515%
Operating result €20k, net result €19k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 5 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
VERHASSELT Jan Karel Celestijn
CurrentDirector · since 04-07-2024
04-07-2024
Appointed as Director
Location & real-estate footprint
Registered office, Wemmel · 1 establishment unit since 2016
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.
de Limburg Stirumlaan 841780 WemmelGround area
366 m²
Building footprint
272 m²
Volume, LiDAR
1,649 m³
Parcel 22662B0081/00L003, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Stirum 84
since 20162.272.806.406
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0081/00L003 | Flanders | 366 m² | 1 · 272 m² | 11.6 m · 3 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
6D architectuur
BE 0761.615.096
Mechelen · Eq €14k
BO ARCHITECTURE
BE 0844.756.271
Maasmechelen · Eq €14k
Wouter van Daele Architect
BE 0640.749.732
Ukkel · Eq €14k
CREATUUR, studie- en adviesbureau voor duurzame architectuur
BE 0807.362.474
Puurs-Sint-Amands · Eq €14k
THADEE VAN OOST ARCHITECTURE
BE 0894.765.513
Ottignies-Louvain-la-Neuve · Eq €14k
Of 18,217 companies in sector 71111 we hold annual accounts for 6,258. 3,912 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2004
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.