STOLNA
ActiveSTOLNA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €532k and a net result of €133k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 53% of 16491 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-1
Solvency91▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 5.22 against 5.32 in 2024; short-term debt: 8.7% and cash: 17.5% of total assets), and 34% 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 86
Relative position
BE, all sectors
reference
Sector 86
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
66%
Return on assets
16.5%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
52 d early
2023
51 d early
2022
41 d early
2021
58 d early
2020
24 d early
2019
46 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€532k▲ 18.9%
2024 · €448k
2018: €193k
2019: €241k
2020: €306k
2021: €347k
2022: €410k
2023: €379k
2024: €448k
2018 → 2025
Total assets
€807k▲ 17.1%
2024 · €689k
2018: €559k
2019: €585k
2020: €621k
2021: €698k
2022: €720k
2023: €652k
2024: €689k
2018 → 2025
Net result
€133k▲ 16.0%
2024 · €115k
2018: €32k
2019: €48k
2020: €64k
2021: €69k
2022: €63k
2023: €75k
2024: €115k
2018 → 2025
Working capital
€297k▲ 9.2%
2024 · €272k
2018: €80k
2019: €129k
2020: €184k
2021: €204k
2022: €257k
2023: €220k
2024: €272k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€347k-€410k▲ 18.0%€379k▼ 7.5%€448k▲ 18.0%€532k▲ 18.9%
Operating result€100k-€92k▼ 7.4%€109k▲ 18.3%€167k▲ 52.5%€192k▲ 15.0%
Net result€69k-€63k▼ 8.9%€75k▲ 19.2%€115k▲ 53.4%€133k▲ 16.0%
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 three years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €807k
Fixed assets
€439k▲ 24.2%
Current assets
€368k▲ 9.6%
Equity and liabilities €807k
Equity
€532k▲ 18.9%
Debt
€274k▲ 13.8%
The debt ratio falls from 35.0% to 34.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€220k▲
2024 · €192k
Cash flow
€161k▲
2024 · €139k
Solvency
66.0%▲
2024 · 65.0%
Current ratio
5.22▼
2024 · 5.32
Quick ratio
5.22▼
2024 · 5.32
Debt / equity
0.52▼
2024 · 0.54
ROE
25.0%▼
2024 · 25.6%
ROA
16.5%▼
2024 · 16.6%
Interest coverage
39.50▲
2024 · 32.19
Debt
€274k▲
2024 · €241k
Debt ≤ 1 year
€70k▲
2024 · €63k
Debt > 1 year
€202k▲
2024 · €178k
Income taxes
€56k▲
2024 · €48k
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€689k€807k▲
Fixed assets21/28€353k€439k▲
Tangible fixed assets22/27€353k€439k▲
Land and buildings22€325k€313k▼
Plant, machinery and equipment23€13k€37k▲
Furniture and vehicles24€16k€89k▲
Current assets29/58€335k€368k▲
Amounts receivable within one year40/41€286€4k▲
Other amounts receivable41€286€4k▲
Current investments50/53€78k€177k▲
Cash at bank and in hand54/58€209k€141k▼
Deferred charges and accrued income490/1€48k€46k▼
Equity and liabilities
Total equity and liabilities10/49€689k€807k▲
Equity10/15€448k€532k▲
Contributions10/11€12k€12k=
Reserves13€435k€520k▲
Distributable reserves133€435k€520k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€241k€274k▲
Amounts payable after more than one year17€178k€202k▲
Financial debts170/4€177k€201k▲
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€63k€70k▲
Current portion of amounts payable after more than one year42€31k€36k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€26k€27k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€28k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€194k€223k▲
Operating profit (loss)9901€167k€192k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€162k€189k▲
Income taxes67/77€48k€56k▲
Profit (loss) for the period9904€115k€133k▲
Profit (loss) for the period to be appropriated9905€115k€133k▲
Appropriation of the result
Profit (loss) to be appropriated9906€115k€133k▲
Transfer from equity791/2€46k€48k▲
Transfer to equity691/2€115k€133k▲
To other reserves6921€115k€133k▲
Profit to be distributed694/7€46k€48k▲
Return on contributions (dividend)694€46k€48k▲
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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €133k ▲16%
Operating result €192k, net result €133k, both a record.
31-12
Financial
Equity above €500kEq €532k ▲18.9%
8 profitable years in a row build equity to €532k.
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €241k ▲25%
2 profitable years in a row build equity to €241k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Berlare · 1 establishment unit since 2008
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.
Koffiestraat(U) 219290 BerlareGround area
491 m²
Building footprint
130 m²
Volume, LiDAR
687 m³
Parcel 42022A0593/00H000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Koffiestraat(U) 21, 9290 Berlare
since 20082.393.282.384
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42022A0593/00H000 | Flanders | 491 m² | 1 · 130 m² | 8.1 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 45 EUR awarded · 45 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 45 EUR | 45 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,984 companies in sector 86940 we hold annual accounts for 1,809. 914 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2008
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.