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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 0 % of short-term debt in 2024; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2024
STEKELORUM INSURANCE from Schaarbeek, company number BE0439054959, closed financial year 2024 with a result of € 3,974 after tax. For that financial year STEKELORUM INSURANCE recorded a gross margin of € 7,243 and equity of € -147,026. Compared with financial year 2023, the result moved from € 27,683 to € 3,974. The company is profitable. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 16, 2025.
€ -147,026
▲ € 3,974 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3,974
▼ 86% vs 2023
Profit after tax over the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € -209,026.
People and assets in 2024
€ 15
▼ 82% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2024
€ 8,094
Loans from banks and other lenders, long and short.
€ 4,401
▲ 106% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 19,616
▼ 71% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 8,471 | € 2,570 | € 28,362 | € 7,243 | ▼ 74% |
| Profit after taxes | € -5,413 | € -4,782 | € 27,683 | € 3,974 | ▼ 86% |
| Equity | € -173,901 | € -178,683 | € -151,000 | € -147,026 | ▲ € 3,974 |
| Total debts | € 179,307 | € 181,900 | € 158,928 | € 149,622 | ▼ 6% |
| Cash | € 1,227 | € 1,540 | € 3,964 | - | |
| Retained profit | € -235,901 | € -240,683 | € -213,000 | € -209,026 | ▲ € 3,974 |
| Bank debt | € 0 | € 0 | € 0 | € 8,094 | |
| Balance sheet total | € 5,406 | € 3,216 | € 7,929 | € 2,596 | ▼ 67% |
Key figures of STEKELORUM INSURANCE, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to STEKELORUM INSURANCE?
What happened at STEKELORUM INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 3,974 (▼ 86% vs 2023). filed late Source: NBB ↗
- New establishment in Schaarbeek. KBO
- Start of the company according to the CBE. KBO
In short
From € 5,413 loss in 2021 to € 3,974 profit in 2024.
Paid € 67,154 in corporate taxes since 2021.
Best year ever: 2023, with € 27,683 profit.
A new publication or filing at STEKELORUM INSURANCE? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind STEKELORUM INSURANCE are MONIQUE de LATRE du BOUSEAU and PIERRE STEKELORUM.
Directors
According to the 2024 annual accounts
MONIQUE de LATRE du BOUSEAU
Director
PIERRE STEKELORUM
Managing director
Establishments
Establishment units
Physical locations of this company
Freesiadreef 1 box 129
1030 Schaarbeek
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
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What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0439.054.959
- VAT number
- BE 0439.054.959
- Registered office
- Freesiadreef 1 bus 129, 1030 Schaarbeek
- Names & denominations
- STEKELORUM INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 23 November 1989
- Peppol
- Not registered