Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
STIRA from Amay, company number BE0778914552, closed financial year 2025 with a result of € -28,937 after tax. For that financial year STIRA recorded a gross margin of € -1,975 and equity of € 130,452. Compared with financial year 2024, the result moved from € -27,854 to € -28,937. 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 29, 2026.
€ 130,452
▼ 18% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -28,937
▼ 4 % more loss than in 2024
Profit after tax over the fiscal year.
€ 245
▼ 91% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -113,048.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -6,999 | € -2,308 | € -1,727 | € -1,975 | ▼ € 248 |
| Profit after taxes | € -27,593 | € -28,663 | € -27,854 | € -28,937 | ▼ € 1,083 |
| Equity | € 215,907 | € 187,244 | € 159,390 | € 130,452 | ▼ 18% |
| Total debts | € 3,961 | € 10,362 | € 10,620 | € 11,726 | ▲ 10% |
| Cash | € 1,592 | € 4,775 | € 2,624 | € 245 | ▼ 91% |
| Land & buildings | € 143,076 | € 142,695 | € 142,314 | € 141,933 | |
| Retained profit | € -27,593 | € -56,256 | € -84,110 | € -113,048 | ▼ € 28,937 |
| Balance sheet total | € 219,868 | € 197,606 | € 170,010 | € 142,178 | ▼ 16% |
Key figures of STIRA, 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 STIRA?
What happened at STIRA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 28,937. Source: NBB ↗
- ANNE-MARIE HABRAKEN stepped down as director. NBB
- GENEVIEVE DESSOY stepped down as director. NBB
- New establishment in Amay. KBO
- MONIQUE KASPERS became a director. NBB
- JEAN-LUC MICHAUX became a director. NBB
- ALICE SALMON became a director. NBB
- ANNE-MARIE HABRAKEN became a director. NBB
In short
From € 27,593 loss in 2022 to € 28,937 loss in 2025.
Management
Behind STIRA are MONIQUE KASPERS, JEAN-LUC MICHAUX and ALICE SALMON. JEAN-LUC MICHAUX is also behind Eqla.
Directors
According to the 2025 annual accounts
MONIQUE KASPERS
Director
since 2021
since 2021
ALICE SALMON
Director
since 2021
ANNE-MARIE HABRAKEN
Vice-chairman of the board
since 2021 · until 2025
GENEVIEVE DESSOY
Director
since 2021 · until 2025
Establishments
Establishment units
Physical locations of this company
Rue Martine(AMP) 8A
4540 Amay
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0778.914.552
- VAT number
- BE 0778.914.552
- Registered office
- Rue Martine(AMP) 8A, 4540 Amay
- Names & denominations
- STIRA
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 21 December 2021
- Peppol
- Active · Active since 19 Dec 2025
- Contact
- stira.ovh [email protected] +32477740103
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Verhuur en exploitatie van sociale woningen