S-TEAM
0465.169.042 · rovalta.com · 23/09/2026
ACTIVE
S-TEAM
Financial year 2025 · closed on 31/12/2025
Net result
26,3 k €
-29.7% YoY
Gross margin
36,8 k €
-46.7% YoY
Equity
320,8 k €
+8.7% YoY
Overview
What does S-TEAM do?
S-TEAM is a Cooperative society incorporated in 1999. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Waregem.
Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0465.169.042
Incorporation
06/01/1999
Legal form
Cooperative society
Registered office
Kalkhoevestraat 10 box 4.2
8790 Waregem · FlandreSee on map
8790 Waregem · FlandreSee on map
Contributed capital
157 986,27 €
Latest accounts
31/12/2025
Activities (NACE)
Joint committees (2)
- 200
- 218
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts
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Financials
Trend over 19 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | |||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||||||||||||||||||||||||||||||
| Gross margin | 36,8 k € | -46.7% | 69,1 k € | +139% | 29 k € | -62.4% | 77 k € | +97.0% | 39,1 k € | +20.7% | 32,4 k € | +256% | -20,8 k € | -122% | 94,9 k € | +5.4% | 90 k € | +11.6% | 80,7 k € | -24.6% | 107 k € | +55.5% | 68,8 k € | +25.5% | 54,8 k € | -6.1% | 58,4 k € | +5.4% | 55,4 k € | +46.3% | 37,9 k € | +820% | 4,1 k € | -91.3% | 47,6 k € | +158% | 18,4 k € |
| EBITDA | 33 k € | -36.9% | 52,3 k € | +16167% | 321,4 € | -99.4% | 57,3 k € | +629% | -10,8 k € | +47.9% | -20,8 k € | +68.7% | -66,4 k € | -241% | 47,2 k € | +11.2% | 42,4 k € | +32.2% | 32,1 k € | -57.4% | 75,2 k € | +657% | 9,9 k € | -60.5% | 25,2 k € | -55.2% | 56,1 k € | +5.3% | 53,3 k € | +48.3% | 35,9 k € | +1673% | 2 k € | -95.6% | 46,1 k € | +169% | 17,1 k € |
| Operating result | 32,5 k € | -37.2% | 51,8 k € | +2057% | -2,6 k € | -105% | 54,5 k € | +498% | -13,7 k € | +42.8% | -24 k € | +64.2% | -66,9 k € | -242% | 47 k € | +11.2% | 42,3 k € | +32.4% | 31,9 k € | -57.3% | 74,8 k € | +890% | 7,6 k € | -66.8% | 22,8 k € | -57.9% | 54,1 k € | +5.6% | 51,3 k € | +42.7% | 35,9 k € | +1673% | 2 k € | -95.6% | 46,1 k € | +169% | 17,1 k € |
| Net result | 26,3 k € | -29.7% | 37,4 k € | +1364% | -3 k € | -105% | 55,6 k € | +523% | -13,1 k € | +40.9% | -22,2 k € | +65.7% | -64,8 k € | -308% | 31,2 k € | +6.6% | 29,2 k € | +36.9% | 21,3 k € | -58.2% | 51 k € | +835% | 5,5 k € | -71.0% | 18,8 k € | -52.0% | 39,2 k € | +6.3% | 36,9 k € | +16.0% | 31,8 k € | +923% | -3,9 k € | -113% | 30,3 k € | +188% | 10,5 k € |
| Balance sheet | |||||||||||||||||||||||||||||||||||||
| Equity | 320,8 k € | +8.7% | 295,3 k € | +14.5% | 257,8 k € | -2.9% | 265,5 k € | +39.6% | 190,2 k € | -11.9% | 215,9 k € | -9.3% | 238,2 k € | -21.6% | 303,7 k € | +9.0% | 278,7 k € | +0.5% | 277,2 k € | +2.2% | 271,2 k € | +32.1% | 205,3 k € | -2.9% | 211,5 k € | +12.5% | 188 k € | +28.7% | 146,1 k € | +33.0% | 109,8 k € | +35.7% | 80,9 k € | +1.1% | 80 k € | +51.3% | 52,9 k € |
| Total assets | 368,7 k € | +5.0% | 351,3 k € | +16.8% | 300,9 k € | +7.0% | 281,2 k € | +24.8% | 225,3 k € | +1.6% | 221,7 k € | -34.5% | 338,4 k € | +3.9% | 325,6 k € | +9.7% | 296,8 k € | +1.9% | 291,2 k € | -8.3% | 317,7 k € | +15.0% | 276,1 k € | +0.8% | 273,9 k € | +20.1% | 228,1 k € | +26.8% | 179,9 k € | -3.7% | 186,7 k € | +32.3% | 141,2 k € | -2.4% | 144,7 k € | +66.9% | 86,7 k € |
| Cash | 39,8 k € | -26.8% | 54,3 k € | +47.8% | 36,8 k € | -50.6% | 74,4 k € | +22.8% | 60,6 k € | +227% | 18,5 k € | -81.2% | 98,2 k € | -45.2% | 179,2 k € | +12.5% | 159,3 k € | -1.3% | 161,4 k € | -1.8% | 164,4 k € | +33.7% | 123 k € | +52.5% | 80,6 k € | -37.6% | 129,1 k € | -0.8% | 130,2 k € | -2.3% | 133,3 k € | +101% | 66,5 k € | +51.4% | 43,9 k € | +100% | 22 k € |
| Debts | 47,9 k € | -14.3% | 55,8 k € | +31.0% | 42,6 k € | +172% | 15,6 k € | -55.4% | 35,1 k € | +510% | 5,8 k € | -94.3% | 100,3 k € | +356% | 22 k € | +21.2% | 18,1 k € | +32.9% | 13,6 k € | -70.3% | 46 k € | -0.9% | 46,4 k € | -13.0% | 53,3 k € | +34.3% | 39,7 k € | +53.4% | 25,9 k € | -14.8% | 30,4 k € | +14.1% | 26,6 k € | -14.6% | 31,2 k € | +552% | 4,8 k € |
| Other | |||||||||||||||||||||||||||||||||||||
| Workforce | – | – | – | – | – | – | – | – | – | 1,0 ETP | -16.7% | 1,2 ETP | +50.0% | 0,8 ETP | +60.0% | 0,5 ETP | – | – | – | – | – | – | |||||||||||||||
Estimate
Indicative valuation
As an indication, this company is worth
between 250 k€ and 500 k€
See the valuationGovernance
Board of directors
Seen on filing of 31/12/2025 · 5 active · 100 ended
Active mandates
Ended mandates
At this address
Other companies at this address
| Company | CBE no. |
|---|---|
ABACUS GROUP● Active | 0435.477.936 |
ABACUS INVEST● Active | 0656.666.442 |
ABACUS INVESTMENTS● Active | 1037.541.692 |
AEDIMAR● Active | 0889.787.136 |
AEDISAMBRE● Active | 0785.552.619 |
ANKOR INVEST● Active | 0893.947.545 |
ANKOR REAL ESTATE● Active | 0715.759.238 |
ARNAGE INVEST● Active | 0844.461.412 |
CLEARCASES● Active | 1033.592.507 |
Imara● Active | 1010.233.719 |
LOCAMPOAMOR TRES● Active | 0477.552.675 |
PAVAMO● Active | 0428.956.665 |
QUAEROQ● Active | 0862.330.988 |
Scholt Energy● Active | 0820.000.881 |
Tennium Belgium● Active | 0649.531.301 |
TENNIUM GO PLAY● Active | 0721.761.855 |
V.E.M. INVEST● Active | 0783.423.765 |
Financials
Annual accounts
Full financial information
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Type of account | Micro model | Micro model | Micro model | Micro model | Micro model | Micro model |
| Start of the financial year | 01/01/2025 | 01/01/2024 | 01/01/2023 | 01/01/2022 | 01/01/2021 | 01/01/2020 |
| Closing of the financial year | 31/12/2025 | 31/12/2024 | 31/12/2023 | 31/12/2022 | 31/12/2021 | 31/12/2020 |
| Length of the financial year | 12 months | 12 months | 12 months | 12 months | 12 months | 12 months |
| Filing date | 25/06/2026 | 25/06/2025 | 25/06/2024 | 28/06/2023 | 20/07/2022 | 19/07/2021 |
| General meeting | 15/06/2026 | 16/06/2025 | 10/06/2024 | 12/06/2023 | 13/06/2022 | 14/06/2021 |
| Currency of the financial year | EUR | EUR | EUR | EUR | EUR | EUR |
| NBB quality label | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls |
Ratios
Financial ratios
Looking for more information about this company?
Try for 7 daysFilings
Annual accounts filings
20 filings with the NBB
| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Micro model | 31/12/2025 | 15/06/2026 | 25/06/2026 | Dutch | |
| Micro model | 31/12/2024 | 16/06/2025 | 25/06/2025 | Dutch | |
| Micro model | 31/12/2023 | 10/06/2024 | 25/06/2024 | Dutch | |
| Micro model | 31/12/2022 | 12/06/2023 | 28/06/2023 | Dutch | |
| Micro model | 31/12/2021 | 13/06/2022 | 20/07/2022 | Dutch | |
| Micro model | 31/12/2020 | 14/06/2021 | 19/07/2021 | Dutch | |
| Micro model | 31/12/2019 | 08/06/2020 | 24/06/2020 | Dutch | |
| Micro model | 31/12/2018 | 10/06/2019 | 03/07/2019 | Dutch | |
| Micro model | 31/12/2017 | 11/06/2018 | 02/07/2018 | Dutch | |
| Micro model | 31/12/2016 | 12/06/2017 | 27/06/2017 | Dutch | |
| Abridged model | 31/12/2015 | 13/06/2016 | 22/06/2016 | Dutch | |
| Abridged model | 31/12/2014 | 08/06/2015 | 18/06/2015 | Dutch | |
| Abridged model | 31/12/2013 | 16/06/2014 | 20/06/2014 | Dutch | |
| Abridged model | 31/12/2012 | 10/06/2013 | 26/06/2013 | Dutch | |
| Abridged model | 31/12/2011 | 11/06/2012 | 19/07/2012 | Dutch | |
| Abridged model | 31/12/2010 | 20/06/2011 | 30/06/2011 | Dutch | |
| Abridged model | 31/12/2009 | 14/06/2010 | 19/08/2010 | Dutch | |
| Abridged model | 31/12/2008 | 08/06/2009 | 31/08/2009 | Dutch | |
| Abridged model | 31/12/2007 | 09/06/2008 | 14/07/2008 | Dutch | |
| Abridged model | 31/12/2006 | 11/06/2007 | 20/06/2007 | Dutch |
Valuation
Estimate
Indicative valuation
Order of magnitude
As an indication, this company is worth
between 250 k€ and 500 k€
The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Governance
Board of directors
Seen on filing of 31/12/2025 · 5 active · 100 ended
Active mandates
Ended mandates
Shareholders
Ownership and network
Looking for more information about this company?
Try for 7 daysPublications
Belgian Official Gazette
Belgian Official Gazette publications
- Mandates02/01/2026ONTSLAGEN - BENOEMINGEN
- Mandates25/09/2024ONTSLAGEN - BENOEMINGEN
- Mandates01/07/2024MAATSCHAPPELIJKE ZETEL - ONTSLAGEN - BENOEMINGEN
- Mandates11/09/2023ONTSLAGEN - BENOEMINGEN
- Mandates31/05/2023STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - DIVERSEN - ONTSLAGEN - BENOEMINGEN
- Mandates10/09/2021ONTSLAGEN - BENOEMINGEN
- Mandates22/07/2020ONTSLAGEN - BENOEMINGEN
- Mandates13/02/2020ONTSLAGEN - BENOEMINGEN
Source: Belgian Official Gazette
Similar companies
Competition
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 202526,3 k €↓
- 2024Annual accounts 202437,4 k €↑
- 2023Annual accounts 2023-3 k €↓
- 2022Annual accounts 202255,6 k €↑
- 2021Annual accounts 2021-13,1 k €↑
- 2019Annual accounts 2019-22,2 k €↑
- 2018Annual accounts 2018-64,8 k €↓
- 2017Annual accounts 201731,2 k €↑
- 2016Annual accounts 201629,2 k €↑
- 2015Annual accounts 201521,3 k €↓
- 2014Annual accounts 201451 k €↑
- 2013Annual accounts 20135,5 k €↓
- 2012Annual accounts 201218,8 k €↓
- 2011Annual accounts 201139,2 k €↑
- 2010Annual accounts 201036,9 k €↑
- 2009Annual accounts 200931,8 k €↑
- 2008Annual accounts 2008-3,9 k €↓
- 2007Annual accounts 200730,3 k €↑
- 2006Annual accounts 200610,5 k €
- 06/01/1999IncorporationCooperative society