STUR 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 €209k and a net result of €48k. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 71% of 7980 sector peers (fiscal year 2025). The company has been active since 2015 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
11 d early
2022
5 d early
2021
3 d early
2020
3 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€209k▲ 29.8%
2024 · €161k
2019: €35k
2020: €58k
2021: €54k
2022: €114k
2023: €143k
2024: €161k
2019 → 2025
Net result
€48k▲ 159%
2024 · €19k
2019: €13k
2020: €34k
2021: €-5k
2022: €61k
2023: €28k
2024: €19k
2019 → 2025
Total assets
€282k▲ 33.3%
2024 · €212k
2019: €109k
2020: €205k
2021: €161k
2022: €208k
2023: €229k
2024: €212k
2019 → 2025
Solvency
74.0%▼ 2.0pp
2024 · 76.0%
2019: 32.0%
2020: 28.5%
2021: 33.3%
2022: 54.9%
2023: 62.2%
2024: 76.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€114k▲ 113%€143k▲ 24.9%€161k▲ 13.0%€209k▲ 29.8%
Operating result€-2k-€37k€40k▲ 7.4%€28k▼ 31.2%€74k▲ 167%
Net result€-5k-€61k€28k▼ 53.1%€19k▼ 34.9%€48k▲ 159%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 167% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €282k
Fixed assets
€84k▲ 68.5%
Current assets
€199k▲ 22.5%
Equity and liabilities €282k
Equity
€209k▲ 29.8%
Debt
€73k▲ 44.6%
The debt ratio rises from 24.0% to 26.0%. Equity and debt are higher.
Key figures and ratios
Solvency
74.0%▼
2024 · 76.0%
ROE
22.9%▲
2024 · 11.5%
ROA
17.0%▲
2024 · 8.7%
Debt
€73k▲
2024 · €51k
Debt ≤ 1 year
€43k▲
2024 · €30k
Debt > 1 year
€30k▲
2024 · €20k
Income taxes
€25k▲
2024 · €8k
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€212k€282k▲
Fixed assets21/28€50k€84k▲
Tangible fixed assets22/27€45k€79k▲
Plant, machinery and equipment23€583-
Other tangible fixed assets26€44k€79k▲
Financial fixed assets28€5k€5k=
Current assets29/58€162k€199k▲
Amounts receivable within one year40/41€25k€18k▼
Trade receivables40€23k€18k▼
Other amounts receivable41€1k€194▼
Cash at bank and in hand54/58€136k€181k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€212k€282k▲
Equity10/15€161k€209k▲
Contributions10/11€19k€19k=
Reserves13€143k€191k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€141k€191k▲
Amounts payable17/49€51k€73k▲
Amounts payable after more than one year17€20k€30k▲
Financial debts170/4€20k€30k▲
Amounts payable within one year42/48€30k€43k▲
Current portion of amounts payable after more than one year42€13k€9k▼
Financial debts43€2k€2k=
Credit institutions430/8€2k€2k=
Trade debts44€2k€987▼
Suppliers440/4€2k€987▼
Taxes, remuneration and social security45€10k€28k▲
Taxes450/3€7k€25k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€3k€3k▼
Accrued charges and deferred income492/3€177€163▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€13k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€52k€89k▲
Operating profit (loss)9901€28k€74k▲
Financial income75/76B€267€561▲
Recurring financial income75€267€561▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€26k€73k▲
Income taxes67/77€8k€25k▲
Profit (loss) for the period9904€19k€48k▲
Profit (loss) for the period to be appropriated9905€19k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€48k▲
Transfer to equity691/2€19k€48k▲
To other reserves6921€19k€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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €200kEq €209k ▲29.8%
4 profitable years in a row build equity to €209k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €150kEq €161k ▲13%
3 profitable years in a row build equity to €161k.
2023
20-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
31-03
Financial
Equity above €100kEq €114k ▲113%
Equity rises from €54k to €114k.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-5k ▼114%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 358 days late
2017
09-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated 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, Mol · 1 establishment unit since 2015
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.
Schoolstraat 202400 MolGround area
1,537 m²
Building footprint
173 m²
Volume, LiDAR
954 m³
Parcel 13433E0127/00C000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STUR
since 20152.244.810.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13433E0127/00C000 | Flanders | 1,537 m² | 1 · 173 m² | 8.0 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,514 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-08-2015
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.