ARNAUD STEVENS
ActiveARNAUD STEVENS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €675k and a net result of €192k. Equity is growing by ~18.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 32.42 against 18.7 in 2024; short-term debt: 2.8% and cash: 76.9% of total assets), and 2.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
97.2%
Return on assets
27.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
5 d early
2024
1 d early
2023
21 d early
2022
on the day
2021
28 d late
2020
2 d early
2019
46 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€675k▲ 39.8%
2024 · €483k
2019: €204k
2020: €319k
2021: €239k
2022: €284k
2023: €290k
2024: €483k
2019 → 2025
Total assets
€694k▲ 37.4%
2024 · €505k
2019: €244k
2020: €361k
2021: €517k
2022: €460k
2023: €483k
2024: €505k
2019 → 2025
Net result
€192k▼ 0.5%
2024 · €193k
2019: €112k
2020: €115k
2021: €160k
2022: €193k
2023: €195k
2024: €193k
2019 → 2025
Working capital
€608k▲ 53.7%
2024 · €396k
2019: €188k
2020: €308k
2021: €232k
2022: €282k
2023: €284k
2024: €396k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€239k-€284k▲ 19.1%€290k▲ 1.8%€483k▲ 66.7%€675k▲ 39.8%
Operating result€209k-€253k▲ 20.9%€262k▲ 3.4%€249k▼ 4.6%€243k▼ 2.5%
Net result€160k-€193k▲ 21.0%€195k▲ 0.8%€193k▼ 1.0%€192k▼ 0.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €694k
Fixed assets
€67k▼ 23.4%
Current assets
€628k▲ 50.1%
Equity and liabilities €694k
Equity
€675k▲ 39.8%
Debt
€19k▼ 13.4%
The debt ratio falls from 4.4% to 2.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€264k▼
2024 · €264k
Cash flow
€212k▲
2024 · €207k
Solvency
97.2%▲
2024 · 95.6%
Current ratio
32.42▲
2024 · 18.70
Quick ratio
32.42▲
2024 · 18.70
Debt / equity
0.03▼
2024 · 0.05
ROE
28.5%▼
2024 · 40.0%
ROA
27.7%▼
2024 · 38.2%
Interest coverage
-138.33▼
2024 · -107.86
Debt
€19k▼
2024 · €22k
Debt ≤ 1 year
€19k▼
2024 · €22k
Income taxes
€58k▼
2024 · €59k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€505k€694k▲
Fixed assets21/28€87k€67k▼
Tangible fixed assets22/27€86k€66k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€83k€64k▼
Financial fixed assets28€400€400=
Current assets29/58€418k€628k▲
Amounts receivable within one year40/41€3k€10k▲
Trade receivables40€3k€0▼
Other amounts receivable41-€10k
Current investments50/53€47k€0▼
Cash at bank and in hand54/58€297k€534k▲
Deferred charges and accrued income490/1€72k€83k▲
Equity and liabilities
Total equity and liabilities10/49€505k€694k▲
Equity10/15€483k€675k▲
Contributions10/11€19k€19k=
Reserves13€464k€656k▲
Distributable reserves133€464k€656k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€22k€19k▼
Amounts payable within one year42/48€22k€19k▼
Trade debts44€47€30▼
Suppliers440/4€47€30▼
Taxes, remuneration and social security45€22k€19k▼
Taxes450/3€22k€19k▼
Other amounts payable47/48€558€0▼
Income statement
Code20242025
Non-recurring operating income76A€14k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€20k▲
Other operating charges640/8€589€597▲
Gross operating margin9900€264k€264k▼
Operating profit (loss)9901€249k€243k▼
Financial income75/76B€188€5k▲
Recurring financial income75€188€5k▲
Financial charges65/66B€-2k€-2k▲
Recurring financial charges65€-2k€-2k▲
Profit (loss) for the period before taxes9903€252k€251k▼
Income taxes67/77€59k€58k▼
Profit (loss) for the period9904€193k€192k▼
Profit (loss) for the period to be appropriated9905€193k€192k▼
Appropriation of the result
Profit (loss) to be appropriated9906€193k€192k▼
Transfer to equity691/2€193k€192k▼
To other reserves6921€193k€192k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €500kEq €675k ▲39.8%
7 profitable years in a row build equity to €675k.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity times 8current ratio 18.70
Current ratio from 2.47 to 18.70; short-term debt falls from €193k to €22k.
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €195k ▲0.8%
Operating result €262k, net result €195k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
07-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Edward Pynaertkaai 949050 GentGround area
2,150 m²
Building footprint
494 m²
Volume, LiDAR
5,692 m³
2 parcels, Flanders · tallest building 15.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Edward Pynaertkaai 94, 9000 Gent
since 20172.266.104.201
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D3181/00P005 | Flanders | 1,834 m² | 1 · 368 m² | 15.9 m · 5 fl. |
| 44032A0214/00A005 | Flanders | 316 m² | 1 · 126 m² | 13.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500EXY71MAK4XZW60
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2017
Fiscal year end30-06
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.