A. Stevens
ActiveSummary
A. Stevens has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64,794 and a net result of -€9,669. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 37% of 2610 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▼-11
Solvency51▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity tight (current ratio 1.15 against 1.1 in 2024; short-term debt: 73.5% and cash: 57.6% of total assets), and 74.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.9%
Return on assets
-3.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-07-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
43 d early
2023
39 d early
2022
31 d early
2021
18 d early
2020
30 d late
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 30 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€64,794▼ 13.0%
2024 · €74,463
Total assets
€250,352▼ 9.2%
2024 · €275,716
Net result
-€9,669
2024 · €13,079
Working capital
€27,506▲ 44.0%
2024 · €19,096
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,087▲ 37.9%€4,295▼ 64.5%€13,201▲ 207%€18,710▲ 41.7%-€9,033
Net result€5,286within the sector's middle half▲ 19.5%-€1,236within the sector's middle half€8,258within the sector's middle half€13,079within the sector's middle half▲ 58.4%-€9,669below the sector's middle half
Equity€54,362within the sector's middle half▲ 10.8%€53,126within the sector's middle half▼ 2.3%€61,384within the sector's middle half▲ 15.5%€74,463within the sector's middle half▲ 21.3%€64,794within the sector's middle half▼ 13.0%
Total assets€236,875within the sector's middle half▲ 9.4%€239,337within the sector's middle half▲ 1.0%€301,806within the sector's middle half▲ 26.1%€275,716within the sector's middle half▼ 8.6%€250,352within the sector's middle half▼ 9.2%
Debt€182,513▲ 9.0%€186,211▲ 2.0%€240,422▲ 29.1%€201,253▼ 16.3%€185,558▼ 7.8%
Working capital€38,921within the sector's middle half▲ 53.0%€45,382within the sector's middle half▲ 16.6%€46,451within the sector's middle half▲ 2.4%€19,096within the sector's middle half▼ 58.9%€27,506within the sector's middle half▲ 44.0%
Solvency22.9%within the sector's middle half▲ 0.3pp22.2%within the sector's middle half▼ 0.8pp20.3%within the sector's middle half▼ 1.9pp27.0%within the sector's middle half▲ 6.7pp25.9%within the sector's middle half▼ 1.1pp
Current ratio1.21within the sector's middle half▲ 0.061.25within the sector's middle half▲ 0.031.19within the sector's middle half▼ 0.051.10within the sector's middle half▼ 0.101.15within the sector's middle half▲ 0.05
Return on assets (ROA)2.2%within the sector's middle half▲ 0.2pp-0.5%within the sector's middle half▼ 2.7pp2.7%within the sector's middle half▲ 3.3pp4.7%within the sector's middle half▲ 2.0pp-3.9%below the sector's middle half▼ 8.6pp
Staff (FTE)3.9▲ 11.4%3.2▼ 17.9%3.9▲ 21.9%4.8▲ 23.1%6.1▲ 27.1%
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9,033 after €18,710 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250,352
Fixed assets
€38,744 ▼ 32.6%
Current assets
€211,607 ▼ 3.0%
Equity and liabilities €250,352
Equity
€64,794 ▼ 13.0%
Debt
€185,558 ▼ 7.8%
Debt's share of the balance-sheet total rises from 73.0% to 74.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9,727▼
2024 · €32,476
Cash flow
€9,090▼
2024 · €26,845
Quick ratio
1.12▲
2024 · 1.07
Debt to equity
2.86▲
2024 · 2.70
ROE
-14.9%▼
2024 · 17.6%
Interest coverage
13.57▼
2024 · 43.91
Debt ≤ 1 year
€184,102▼
2024 · €199,116
Income taxes
€1,744▼
2024 · €6,381
Staff costs
€219,160▲
2024 · €101,659
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,165 companies that looked in July 2024 the way this one looks now, 2.6% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a small loss
2.6%
went bankrupt
3.0%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,165 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €2,686 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €148,089 | €127,921 | €133,739 | €101,659 | €219,160 | ▲ 116% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,382 | €5,647 | €6,537 | €13,766 | €18,759 | ▲ 36.3% |
| Other operating charges640/8 | €6,516 | €12,180 | €8,327 | €12,646 | €9,267 | ▼ 26.7% |
| Non-recurring operating charges66A | - | - | - | €4,659 | €0 | ▼ 100% |
| Gross operating margin9900 | €178,074 | €150,043 | €161,804 | €151,440 | €238,154 | ▲ 57.3% |
| Operating profit (loss)9901 | €12,087 | €4,295 | €13,201 | €18,710 | -€9,033 | ▼ 148% |
| Financial income75/76B | €166 | €67 | €323 | €1,489 | €1,825 | ▲ 22.5% |
| Recurring financial income75 | €166 | €67 | €323 | €1,489 | €1,825 | ▲ 22.5% |
| Financial charges65/66B | €1,293 | €3,372 | €2,175 | €740 | €717 | ▼ 3.1% |
| Recurring financial charges65 | €1,293 | €3,372 | €2,175 | €740 | €717 | ▼ 3.1% |
| Profit (loss) for the period before taxes9903 | €10,960 | €990 | €11,350 | €19,460 | -€7,925 | ▼ 141% |
| Income taxes67/77 | €5,674 | €2,226 | €3,091 | €6,381 | €1,744 | ▼ 72.7% |
| Profit (loss) for the period9904 | €5,286 | -€1,236 | €8,258 | €13,079 | -€9,669 | ▼ 174% |
| Profit (loss) for the period to be appropriated9905 | €5,286 | -€1,236 | €8,258 | €13,079 | -€9,669 | ▼ 174% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €236,875 | €239,337 | €301,806 | €275,716 | €250,352 | ▼ 9.2% |
| Fixed assets21/28 | €15,441 | €9,794 | €17,070 | €57,504 | €38,744 | ▼ 32.6% |
| Intangible fixed assets21 | €3,000 | €1,500 | €0 | - | - | - |
| Tangible fixed assets22/27 | €12,441 | €8,294 | €17,070 | €57,504 | €38,744 | ▼ 32.6% |
| Land and buildings22 | €7,472 | €5,792 | €4,112 | €2,432 | €752 | ▼ 69.1% |
| Plant, machinery and equipment23 | €4,177 | €2,089 | €0 | - | - | - |
| Furniture and vehicles24 | €792 | €413 | €12,958 | €55,071 | €37,992 | ▼ 31.0% |
| Current assets29/58 | €221,434 | €229,543 | €284,736 | €218,212 | €211,607 | ▼ 3.0% |
| Stocks and contracts in progress3 | €13,137 | €9,118 | €10,512 | €5,050 | €5,009 | ▼ 0.8% |
| Stocks30/36 | €13,137 | €9,118 | €10,512 | €5,050 | €5,009 | ▼ 0.8% |
| Amounts receivable within one year40/41 | €17,331 | €38,694 | €41,183 | €44,072 | €58,644 | ▲ 33.1% |
| Trade receivables40 | €17,331 | €38,694 | €41,183 | €29,275 | €28,946 | ▼ 1.1% |
| Other amounts receivable41 | - | - | - | €14,797 | €29,698 | ▲ 101% |
| Cash at bank and in hand54/58 | €185,690 | €175,643 | €226,157 | €164,299 | €144,249 | ▼ 12.2% |
| Deferred charges and accrued income490/1 | €5,276 | €6,088 | €6,884 | €4,791 | €3,706 | ▼ 22.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €236,875 | €239,337 | €301,806 | €275,716 | €250,352 | ▼ 9.2% |
| Equity10/15 | €54,362 | €53,126 | €61,384 | €74,463 | €64,794 | ▼ 13.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €33,902 | €32,666 | €40,924 | €54,003 | €44,334 | ▼ 17.9% |
| Amounts payable17/49 | €182,513 | €186,211 | €240,422 | €201,253 | €185,558 | ▼ 7.8% |
| Amounts payable within one year42/48 | €182,513 | €184,161 | €238,285 | €199,116 | €184,102 | ▼ 7.5% |
| Trade debts44 | €137,922 | €137,287 | €196,497 | €164,377 | €126,503 | ▼ 23.0% |
| Suppliers440/4 | €137,922 | €137,287 | €196,497 | €164,377 | €126,503 | ▼ 23.0% |
| Advances received on contracts in progress46 | €314 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €44,277 | €46,874 | €41,788 | €34,739 | €57,599 | ▲ 65.8% |
| Taxes450/3 | €22,257 | €24,756 | €19,763 | €22,634 | €22,051 | ▼ 2.6% |
| Remuneration and social security454/9 | €22,020 | €22,118 | €22,025 | €12,105 | €35,548 | ▲ 194% |
| Accrued charges and deferred income492/3 | - | €2,050 | €2,137 | €2,137 | €1,456 | ▼ 31.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,286 | -€1,236 | €8,258 | €13,079 | -€9,669 | ▼ 174% |
| + Depreciation and write-downs630 | €11,382 | €5,647 | €6,537 | €13,766 | €18,759 | ▲ 36.3% |
| Operating cash flow (approximation) | €16,668 | €4,411 | €14,795 | €26,845 | €9,090 | ▼ 66.1% |
| Investment in fixed assets (approximation) | - | €0 | -€13,813 | -€54,199 | €0 | ▲ 100% |
| Change in cash | - | -€10,047 | €50,514 | -€61,858 | -€20,050 | ▲ 67.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€9,669
Net result drops to -€9,669, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €13,079 ▲58.4%
Operating result €18,710, net result €13,079, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €8,258
Net result €8,258 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2010
Ground area
601 m²
Building footprint
602 m²
Volume, LiDAR
4,894 m³
Parcel 21562A0173/00X013, Brussels · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A.Stevens
since 20102.186.174.518
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0173/00X013 | Brussels | 601 m² | 1 · 602 m² | 13.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,377 companies in sector 95311 we hold annual accounts for 2,963. 2,203 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-02-2010
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95319Other maintenance and repair of motor vehicles
77110Renting and leasing of cars and light motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0823288785
Also
9925:BE0823288785
Registered
16-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.