STORY CHIEF
ActiveSummary
The annual accounts of STORY CHIEF for fiscal year 2025 show a net loss of 134% of the equity at the start of that year. The 2025 annual accounts show equity of €359k and a net result of €-363k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 169 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency46▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.63 against 0.83 in 2024; short-term debt: 31.1% and cash: 5.7% of total assets), and 78.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 18
Relative position
BE, all sectors
reference
Sector 18
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 169 sector peers (2025).
NBB · sector comparisonPosition among 169 sector peers
Solvency
better than 24%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €359k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 d early
2024
50 d late
2023
16 d early
2022
30 d late
2021
3 d early
2020
110 d late
2019
119 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-363k▲ 69.3%
2024 · €-1.18M
2018: €-380k
2019: €-715k
2020: €-853k
2021: €-538k
2022: €-572k
2023: €-1.11M
2024: €-1.18M
2018 → 2025
Working capital
€-194k▼ 73.6%
2024 · €-112k
2018: €416k
2019: €205k
2020: €253k
2021: €-125k
2022: €1.37M
2023: €389k
2024: €-112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-1.63M-€1.23M€120k▼ 90.2%€272k▲ 126%€359k▲ 31.9%
Operating result€-452k-€-538k▼ 19.1%€-1.09M▼ 102%€-1.12M▼ 2.9%€-302k▲ 73.0%
Net result€-538k-€-572k▼ 6.2%€-1.11M▼ 94.2%€-1.18M▼ 6.4%€-363k▲ 69.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €302k in 2025 against €1.12M in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.67M
Fixed assets
€1.34M ▲ 11.2%
Current assets
€331k ▼ 39.2%
Equity and liabilities €1.69M
Equity
€359k ▲ 31.9%
Debt
€1.33M ▼ 10.1%
Debt's share of the balance-sheet total falls from 84.5% to 78.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-18k▲
2024 · €-917k
Cash flow
€-80k▲
2024 · €-983k
Current ratio
0.63▼
2024 · 0.83
Debt to equity
3.70▼
2024 · 5.43
ROE
-101.3%▲
2024 · -434.3%
ROA
-21.5%▲
2024 · -67.5%
Interest coverage
-0.24▲
2024 · -9.41
Debt ≤ 1 year
€525k▼
2024 · €657k
Debt > 1 year
€497k▼
2024 · €552k
Income taxes
€-14k▲
2024 · €-27k
Staff costs
€617k▼
2024 · €1.08M
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.75M€1.69M▼
Formation expenses20€4k€20k▲
Fixed assets21/28€1.20M€1.34M▲
Intangible fixed assets21€1.12M€1.28M▲
Tangible fixed assets22/27€48k€29k▼
Plant, machinery and equipment23€6k€0▼
Furniture and vehicles24€11k€3k▼
Other tangible fixed assets26€30k€26k▼
Financial fixed assets28€30k€30k=
Current assets29/58€545k€331k▼
Amounts receivable after more than one year29€80k€95k▲
Other amounts receivable291€80k€95k▲
Amounts receivable within one year40/41€317k€135k▼
Trade receivables40€68k€74k▲
Other amounts receivable41€249k€61k▼
Cash at bank and in hand54/58€136k€96k▼
Deferred charges and accrued income490/1€12k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.75M€1.69M▼
Equity10/15€272k€359k▲
Contributions10/11€1.45M€1.90M▲
Capital10€540k€589k▲
Issued capital100€540k€589k▲
Outside capital11€913k€1.31M▲
Share premium1100/10€913k€1.31M▲
Profit (loss) carried forward14€-1.18M€-1.54M▼
Amounts payable17/49€1.48M€1.33M▼
Amounts payable after more than one year17€552k€497k▼
Financial debts170/4€552k€497k▼
Amounts payable within one year42/48€657k€525k▼
Current portion of amounts payable after more than one year42€227k€235k▲
Financial debts43€51k€22k▼
Credit institutions430/8€51k€22k▼
Trade debts44€283k€167k▼
Suppliers440/4€283k€167k▼
Taxes, remuneration and social security45€95k€101k▲
Taxes450/3€19k€17k▼
Remuneration and social security454/9€76k€83k▲
Other amounts payable47/48€439€439=
Accrued charges and deferred income492/3€270k€306k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€1.08M€617k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€199k€284k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€27k€50▼
Non-recurring operating charges66A€0-
Gross operating margin9900€191k€599k▲
Operating profit (loss)9901€-1.12M€-302k▲
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€98k€77k▼
Recurring financial charges65€98k€77k▼
Profit (loss) for the period before taxes9903€-1.21M€-377k▲
Income taxes67/77€-27k€-14k▲
Profit (loss) for the period9904€-1.18M€-363k▲
Profit (loss) for the period to be appropriated9905€-1.18M€-363k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2.86M€-1.54M▲
Profit (loss) brought forward from the previous period14P€-1.68M€-1.18M▲
Transfer from equity791/2€1.68M€0▼
Social balance
Average headcount (FTE)908712.67.5▼
The notes to these accounts (21 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 50 days late
2024
31-12
Financial
Weakest financial yearnet €-1.18M
Net result drops to €-1.18M, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €272k ▲126%
Equity rises from €120k to €272k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity times 9current ratio 5.25
Current ratio from 0.58 to 5.25.
31-12
Financial
Equity above €1MEq €1.23M
Equity rises from €-1.63M to €1.23M.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 110 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Gent · 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.
Brusselsesteenweg 69050 GentGround area
2.5 ha
Building footprint
1.7 ha
Volume, LiDAR
68,267 m³
2 parcels, Flanders · tallest building 23.8 m. Linked by address, not a title deed.
1 establishment unit
SUGAR
since 20162.249.125.043
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2735/00X002 | Flanders | 2.2 ha | 1 · 1.6 ha | 23.8 m |
| 44032A0520/00A000 | Flanders | 3,071 m² | 1 · 522 m² | 8.1 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2023 · 1 entry · 1,875 EUR awarded · 1,875 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,875 EUR | 1,875 EUR |
Schemes
Subsidies voor internationaal ondernemen
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Of 2,855 companies in sector 18130 we hold annual accounts for 832. 560 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 formPublic limited company
Founded18-12-2015
Fiscal year end31-12
Activities, NACEBEL 2025
18130Pre-press and pre-media services
74120Graphic design and visual communication
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.