Summary
STME is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €286k and a net result of €60k. Equity is shrinking by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 59% of 8023 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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
28 d late
2023
92 d late
2022
70 d late
2021
19 d early
2020
39 d early
2019
22 d early
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€286k▲ 2.2%
2024 · €280k
2018: €568k
2019: €606k
2020: €606k
2021: €493k
2022: €380k
2023: €316k
2024: €280k
2018 → 2025
Net result
€60k▼ 9.6%
2024 · €66k
2018: €116k
2019: €38k
2020: €54k
2021: €43k
2022: €48k
2023: €51k
2024: €66k
2018 → 2025
Total assets
€462k▲ 9.1%
2024 · €423k
2018: €669k
2019: €713k
2020: €746k
2021: €642k
2022: €621k
2023: €343k
2024: €423k
2018 → 2025
Solvency
61.9%▼ 4.2pp
2024 · 66.1%
2018: 84.9%
2019: 85.0%
2020: 81.2%
2021: 76.7%
2022: 61.2%
2023: 92.0%
2024: 66.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€493k-€380k▼ 22.9%€316k▼ 16.9%€280k▼ 11.4%€286k▲ 2.2%
Operating result€64k-€69k▲ 8.0%€74k▲ 6.5%€94k▲ 27.5%€81k▼ 13.4%
Net result€43k-€48k▲ 9.6%€51k▲ 8.2%€66k▲ 29.0%€60k▼ 9.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €462k
Fixed assets
€74k ▼ 24.3%
Current assets
€388k ▲ 19.1%
Equity and liabilities €462k
Equity
€286k ▲ 2.2%
Debt
€176k ▲ 22.5%
Debt's share of the balance-sheet total rises from 33.9% to 38.1%. Equity and debt are higher.
Key figures and ratios
ROE
21.0%▼
2024 · 23.7%
ROA
13.0%▼
2024 · 15.7%
Debt ≤ 1 year
€176k▲
2024 · €144k
Income taxes
€25k▼
2024 · €31k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€423k€462k▲
Fixed assets21/28€97k€74k▼
Tangible fixed assets22/27€97k€74k▼
Land and buildings22€24k€19k▼
Furniture and vehicles24€74k€55k▼
Current assets29/58€326k€388k▲
Amounts receivable after more than one year29€17k€17k=
Other amounts receivable291€17k€17k=
Amounts receivable within one year40/41€213k€218k▲
Trade receivables40€16k€16k▼
Other amounts receivable41€197k€202k▲
Cash at bank and in hand54/58€41k€61k▲
Deferred charges and accrued income490/1€55k€92k▲
Equity and liabilities
Total equity and liabilities10/49€423k€462k▲
Equity10/15€280k€286k▲
Contributions10/11€13k€13k=
Reserves13€267k€273k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€1k€1k=
Distributable reserves133€264k€270k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€144k€176k▲
Amounts payable within one year42/48€144k€176k▲
Trade debts44€2k€725▼
Suppliers440/4€2k€725▼
Taxes, remuneration and social security45€18k€12k▼
Taxes450/3€18k€12k▼
Other amounts payable47/48€124k€163k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€24k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€115k€106k▼
Operating profit (loss)9901€94k€81k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€859€860▲
Recurring financial charges65€859€860▲
Profit (loss) for the period before taxes9903€97k€85k▼
Income taxes67/77€31k€25k▼
Profit (loss) for the period9904€66k€60k▼
Profit (loss) for the period to be appropriated9905€66k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€60k▼
Transfer from equity791/2€102k€54k▼
Transfer to equity691/2€66k€60k▼
To other reserves6921€66k€60k▼
Profit to be distributed694/7€102k€54k▼
Return on contributions (dividend)694€102k€54k▼
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
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 10.96
Current ratio from 2.87 to 10.96; short-term debt falls from €201k to €27k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €38k ▼66.9%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lievegem · 1 establishment unit since 2012
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.
Stoktevijver 469930 LievegemGround area
2,106 m²
Building footprint
186 m²
Volume, LiDAR
1,082 m³
Parcel 44080A0306/00M000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STME
since 20122.221.337.117
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080A0306/00M000 | Flanders | 2,106 m² | 1 · 186 m² | 8.8 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
Hoctus Boctus
BE 0660.777.757
Lokeren · Eq €285,968
EBUCON
BE 0543.993.816
Damme · Eq €286,049
TCS Consult
BE 0808.031.774
Waregem · Eq €286,079
KRIS DE KORT
BE 0808.832.718
Antwerpen · Eq €286,095
GLORICE
BE 0465.093.323
Oud-Turnhout · Eq €285,856
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,742 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)
Founded19-12-2007
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.