Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 43 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ST-IMMO from Kortrijk, company number BE0811107169, closed financial year 2025 with a result of € -14,176 after tax. For that financial year ST-IMMO recorded a gross margin of € 129,923 and equity of € 894,296. Compared with financial year 2024, the result moved from € 271,803 to € -14,176. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on May 5, 2026.
€ 894,296
▼ 12% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -14,176
▼ still € 271,803 profit in 2024
Profit after tax over the fiscal year.
€ 340,493
▲ 98% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 881,926.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
€ 80,416
▼ 8% vs 2024
Of which on lease € 66,916.
Debts at end 2025
€ 1.6 million
▼ 11% vs 2024
€ 215,486 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 4,265
▼ 97% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 5,210
▼ 21% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 571,761 | € 480,853 | € 554,361 | € 129,923 | ▼ 77% |
| Profit after taxes | € 175,811 | € 124,785 | € 271,803 | € -14,176 | ▼ € 285,979 |
| Equity | € 692,499 | € 815,684 | € 1,010,944 | € 894,296 | ▼ 12% |
| Total debts | € 2,911,752 | € 2,564,807 | € 2,317,053 | € 2,404,341 | ▲ 4% |
| Cash | € 264,836 | € 165,070 | € 172,045 | € 340,493 | ▲ 98% |
| Land & buildings | € 2,945,598 | € 2,890,014 | € 2,822,133 | € 2,677,547 | ▼ 5% |
| Retained profit | € 680,099 | € 803,284 | € 998,544 | € 881,926 | ▼ 12% |
| Dividend | € 115,660 | € 1,600 | € 76,543 | € 100,062 | ▲ 31% |
| Bank debt | € 2,272,538 | € 2,076,307 | € 1,860,302 | € 1,648,783 | ▼ 11% |
| Balance sheet total | € 3,604,251 | € 3,380,491 | € 3,327,997 | € 3,298,638 | ▼ 1% |
| Employees (FTE) | 2.3 | 2.6 | 0 | 0 |
Key figures of ST-IMMO, 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 ST-IMMO?
What happened at ST-IMMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 14,176 (▼ € 285,979 vs 2024). Source: NBB ↗
- New establishment in Kortrijk. KBO
- Start of the company according to the CBE. KBO
In short
From € 175,811 profit in 2022 to € 14,176 loss in 2025.
Paid € 265,881 in corporate taxes since 2022.
Best year ever: 2024, with € 271,803 profit.
On average € 184,900 of value added per employee in 2023.
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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 ST-IMMO are St-Invest and Caroline Gryspeert. St-Invest is also behind SCHRIJNWERKEN DP.
Directors
According to the 2025 annual accounts
Caroline Gryspeert
Director
Establishments
Establishment units
Physical locations of this company
Plataanlaan(Kor) 27
8500 Kortrijk
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0811.107.169
- VAT number
- BE 0811.107.169
- Registered office
- Plataanlaan(Kor) 27, 8500 Kortrijk
- Names & denominations
- ST-IMMO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 April 2009
- Peppol
- Active · Active since 2 Sept 2023
- Activities · NACE
Schrijnwerk
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Handelsbemiddeling in de groothandel in meubelen, huishoudelijke artikelen en ijzerwaren
Plaatsen van vloerbedekking en wandbekleding van hout