Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Busy address KBO
13 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
STK-INVEST from Zele, company number BE0405214233, closed financial year 2025 with a result of € -13,071 after tax. For that financial year STK-INVEST recorded a gross margin of € -540 and equity of € 32,041. Compared with financial year 2024, the result moved from € -2,177 to € -13,071. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 3, 2026.
€ 32,041
▼ 29% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -13,071
▼ 500 % more loss than in 2024
Profit after tax over the fiscal year.
€ 28,996
▼ 22% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 4,541.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 5,910
▲ € 5,523 vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,850 | € 4,844 | € 4,467 | € -540 | ▼ € 5,007 |
| Profit after taxes | € -3,030 | € -1,566 | € -2,177 | € -13,071 | ▼ € 10,893 |
| Equity | € 48,855 | € 47,289 | € 45,112 | € 32,041 | ▼ 29% |
| Total debts | € 1,247 | € 1,401 | € 834 | € 6,357 | ▲ € 5,523 |
| Cash | € 39,100 | € 39,666 | € 37,042 | € 28,996 | ▼ 22% |
| Land & buildings | € 8,552 | € 8,552 | € 8,552 | € 8,552 | |
| Retained profit | € 21,355 | € 19,789 | € 17,612 | € 4,541 | ▼ 74% |
| Balance sheet total | € 50,102 | € 48,690 | € 45,945 | € 38,398 | ▼ 16% |
Key figures of STK-INVEST, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to STK-INVEST?
What happened at STK-INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 13,071. Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Knokke-Heist. KBO
In short
From € 3,030 loss in 2022 to € 13,071 loss in 2025.
Paid € 2 in corporate taxes since 2022.
Management
Behind STK-INVEST is Sabine Schram. Sabine Schram is also behind SCHRAMTERZAELE.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Heirbaan 19
9240 Zele
Heistlaan 22
8301 Knokke-Heist
Active since 1 August 1960
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 13 companies are registered at this address.
All companies at this address →VAN AKELYEN BOUWMATERIALEN
€ 17.9 million revenue · 2025
CHOPIN
BEVATRANS
€ 720,009 gross margin · 2025
BEVA - INVEST
€ 1.4 million gross margin · 2025
Bepo Invest
€ 430,256 gross margin · 2025
+8 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0405.214.233
- VAT number
- BE 0405.214.233
- Registered office
- Heirbaan 19, 9240 Zele
- Names & denominations
- STK-INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1968
- Peppol
- Active · Active since 30 Jan 2025