STSC
ActiveSTSC has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €154k and a net result of €-2k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 72% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-41
Solvency86▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.71 in 2024; short-term debt: 9.8% and cash: 1.9% of total assets), and 39.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
31 d late
2023
31 d late
2022
99 d late
2021
60 d late
2020
31 d late
2019
61 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€154k▼ 1.3%
2024 · €156k
2018: €125k
2019: €97k
2020: €122k
2021: €144k
2022: €152k
2023: €153k
2024: €156k
2018 → 2025
Total assets
€254k▼ 11.1%
2024 · €285k
2018: €161k
2019: €365k
2020: €351k
2021: €543k
2022: €328k
2023: €308k
2024: €285k
2018 → 2025
Net result
€-2k
2024 · €3k
2018: €-33k
2019: €-28k
2020: €25k
2021: €22k
2022: €8k
2023: €793
2024: €3k
2018 → 2025
Working capital
€1k
2024 · €-13k
2018: €44k
2019: €-24k
2020: €6k
2021: €-54k
2022: €-42k
2023: €-31k
2024: €-13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€152k▲ 5.7%€153k▲ 0.5%€156k▲ 2.2%€154k▼ 1.3%
Operating result€33k-€15k▼ 52.7%€8k▼ 45.3%€9k▲ 11.3%€346▼ 96.3%
Net result€22k-€8k▼ 62.2%€793▼ 90.3%€3k▲ 331%€-2k
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 96% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254k
Fixed assets
€227k▼ 10.6%
Current assets
€26k▼ 15.3%
Equity and liabilities €254k
Equity
€154k▼ 1.3%
Debt
€100k▼ 22.9%
The debt ratio falls from 45.3% to 39.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €25k
Cash flow
€355▼
2024 · €19k
Solvency
60.7%▲
2024 · 54.7%
Current ratio
1.06▲
2024 · 0.71
Quick ratio
1.06▲
2024 · 0.71
Debt / equity
0.65▼
2024 · 0.83
ROE
-1.3%▼
2024 · 2.2%
ROA
-0.8%▼
2024 · 1.2%
Interest coverage
1.32▼
2024 · 10.58
Debt
€100k▼
2024 · €129k
Debt ≤ 1 year
€25k▼
2024 · €44k
Debt > 1 year
€75k▼
2024 · €84k
Income taxes
€368▼
2024 · €4k
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€285k€254k▼
Fixed assets21/28€254k€227k▼
Tangible fixed assets22/27€254k€227k▼
Land and buildings22€247k€224k▼
Plant, machinery and equipment23€607€288▼
Furniture and vehicles24€7k€3k▼
Current assets29/58€31k€26k▼
Amounts receivable within one year40/41€2k€8k▲
Trade receivables40€1k€4k▲
Other amounts receivable41€872€4k▲
Current investments50/53€8k€13k▲
Cash at bank and in hand54/58€20k€5k▼
Deferred charges and accrued income490/1€452€454▲
Equity and liabilities
Total equity and liabilities10/49€285k€254k▼
Equity10/15€156k€154k▼
Contributions10/11€6k€6k=
Reserves13€150k€148k▼
Distributable reserves133€150k€148k▼
Amounts payable17/49€129k€100k▼
Amounts payable after more than one year17€84k€75k▼
Financial debts170/4€84k€75k▼
Amounts payable within one year42/48€44k€25k▼
Current portion of amounts payable after more than one year42€9k€9k=
Taxes, remuneration and social security45€8k€734▼
Taxes450/3€8k€734▼
Other amounts payable47/48€27k€15k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€2k▼
Other operating charges640/8€6k€4k▼
Gross operating margin9900€31k€7k▼
Operating profit (loss)9901€9k€346▼
Financial income75/76B€7€61▲
Recurring financial income75€7€61▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€7k€-2k▼
Income taxes67/77€4k€368▼
Profit (loss) for the period9904€3k€-2k▼
Profit (loss) for the period to be appropriated9905€3k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-2k▼
Transfer from equity791/2-€2k
Transfer to equity691/2€3k-
To other reserves6921€3k-
The notes to these accounts (7 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 99 days late
2022
31-12
Financial
Equity above €150kEq €152k ▲5.7%
3 profitable years in a row build equity to €152k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €25k
Net result €25k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.28
Current ratio from 0.48 to 1.28; short-term debt falls from €46k to €23k.
31-12
Financial
Equity above €100kEq €122k ▲25.4%
Equity rises from €97k to €122k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
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, Edegem · 1 establishment unit since 2003
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.
Mechelsesteenweg 2122650 EdegemGround area
183 m²
Building footprint
80 m²
Volume, LiDAR
497 m³
Parcel 11472B0151/00Y006, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Mechelsesteenweg 212, 2650 Edegem
since 20032.131.638.148
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472B0151/00Y006 | Flanders | 183 m² | 1 · 80 m² | 9.6 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
JORIS KOOPT
BE 0887.307.401
Mortsel · Eq €154k
HRM INVEST
BE 0431.556.364
Beerse · Eq €154k
KANTOOR TIJL JANSEGERS AALST
BE 0746.449.246
Aalst · Eq €154k
AMELOT PROPERTIES
BE 0716.798.623
Wavre · Eq €154k
FEAN
BE 0728.640.046
Aalst · Eq €154k
Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 5,255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2003
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
74201Photography, excluding press photography
93199Other sports activities
94110Activities of business and employers' organisations
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.