BOUWWERKEN VAN DER STEEN
ActiveSummary
The computed 12-month bankruptcy probability of BOUWWERKEN VAN DER STEEN is 1.6% (moderate). The 2025 annual accounts show equity of €647k and a net result of €362k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 7777 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+6
Solvency67▲+18
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 11.06 against 1.7 in 2024; short-term debt: 7% and cash: 1.9% of total assets), but 58.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
41.6%
Return on assets
23.3%
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 17-03-2026, 136 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
136 d early
2024
42 d early
2023
21 d early
2022
32 d early
2021
33 d early
2020
38 d early
2019
52 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€647k▲ 127%
2024 · €285k
2019: €170k
2020: €313k
2021: €442k
2022: €442k
2023: €691k
2024: €285k
2019 → 2025
Total assets
€1.56M▲ 30.8%
2024 · €1.19M
2019: €309k
2020: €428k
2021: €626k
2022: €855k
2023: €1.04M
2024: €1.19M
2019 → 2025
Net result
€362k▲ 61.7%
2024 · €224k
2019: €166k
2020: €151k
2021: €130k
2022: €308k
2023: €249k
2024: €224k
2019 → 2025
Working capital
€1.10M▲ 220%
2024 · €344k
2019: €115k
2020: €201k
2021: €179k
2022: €46k
2023: €544k
2024: €344k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€442k-€442k=€691k▲ 56.2%€285k▼ 58.7%€647k▲ 127%
Operating result€165k-€390k▲ 136%€326k▼ 16.3%€293k▼ 10.2%€455k▲ 55.5%
Net result€130k-€308k▲ 136%€249k▼ 19.4%€224k▼ 9.9%€362k▲ 61.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.56M
Fixed assets
€347k ▼ 1.6%
Current assets
€1.21M ▲ 44.4%
Equity and liabilities €1.56M
Equity
€647k ▲ 127%
Debt
€909k ▲ 0.5%
Debt's share of the balance-sheet total falls from 76.1% to 58.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€523k▲
2024 · €358k
Cash flow
€430k▲
2024 · €290k
Current ratio
11.06▲
2024 · 1.70
Quick ratio
10.89▲
2024 · 1.66
Debt to equity
1.41▼
2024 · 3.18
ROE
56.0%▼
2024 · 78.6%
ROA
23.3%▲
2024 · 18.8%
Interest coverage
445.75▲
2024 · 161.79
Debt ≤ 1 year
€109k▼
2024 · €494k
Debt > 1 year
€800k▲
2024 · €411k
Income taxes
€113k▲
2024 · €67k
Staff costs
€63k▲
2024 · €58k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.19M€1.56M▲
Fixed assets21/28€352k€347k▼
Tangible fixed assets22/27€352k€347k▼
Plant, machinery and equipment23€327k€276k▼
Furniture and vehicles24€9k€63k▲
Leasing and similar rights25€17k€8k▼
Current assets29/58€838k€1.21M▲
Amounts receivable after more than one year29-€580k
Other amounts receivable291-€580k
Stocks and contracts in progress3€19k€18k▼
Stocks30/36€19k€18k▼
Amounts receivable within one year40/41€247k€552k▲
Trade receivables40€211k€529k▲
Other amounts receivable41€36k€23k▼
Cash at bank and in hand54/58€560k€30k▼
Deferred charges and accrued income490/1€12k€30k▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.56M▲
Equity10/15€285k€647k▲
Contributions10/11€5k€5k=
Reserves13€280k€280k=
Distributable reserves133€280k€280k=
Profit (loss) carried forward14-€362k
Amounts payable17/49€905k€909k▲
Amounts payable after more than one year17€411k€800k▲
Financial debts170/4€11k€0▼
Other amounts payable178/9€400k€800k▲
Amounts payable within one year42/48€494k€109k▼
Current portion of amounts payable after more than one year42€8k€11k▲
Trade debts44€13k€36k▲
Suppliers440/4€13k€36k▲
Taxes, remuneration and social security45€4k€27k▲
Taxes450/3-€23k
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€469k€35k▼
Income statement
Code20242025
Remuneration, social security and pensions62€58k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€68k▲
Other operating charges640/8€960€2k▲
Gross operating margin9900€418k€588k▲
Operating profit (loss)9901€293k€455k▲
Financial income75/76B€315€21k▲
Recurring financial income75€315€21k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€291k€475k▲
Income taxes67/77€67k€113k▲
Profit (loss) for the period9904€224k€362k▲
Profit (loss) for the period to be appropriated9905€224k€362k▲
Appropriation of the result
Profit (loss) to be appropriated9906€473k€362k▼
Profit (loss) brought forward from the previous period14P€249k€0▼
Transfer from equity791/2€157k€0▼
Profit to be distributed694/7€630k€0▼
Return on contributions (dividend)694€630k€0▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (15 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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €362k ▲61.7%
Operating result €455k, net result €362k, both a record.
31-12
Financial
Liquidity times 7current ratio 11.06
Current ratio from 1.70 to 11.06; short-term debt falls from €494k to €109k.
31-12
Financial
Equity above €500kEq €647k ▲127%
7 profitable years in a row build equity to €647k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 5.23
Current ratio from 1.12 to 5.23; short-term debt falls from €387k to €129k.
31-12
Financial
Equity above €500kEq €691k ▲56.2%
5 profitable years in a row build equity to €691k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €130k ▼13.8%
Net result drops to €130k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €313k ▲83.8%
2 profitable years in a row build equity to €313k.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zele · 1 establishment unit since 2019
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.
Scheldestraat 269240 ZeleGround area
1,928 m²
Building footprint
217 m²
Volume, LiDAR
989 m³
Parcel 42402C0174/00R000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BOUWWERKEN VAN DER STEEN
since 20192.289.245.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42402C0174/00R000 | Flanders | 1,928 m² | 1 · 217 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
9 categoriesBOUWWERKEN VAN DER STEEN BV44611
Dual-learning approval
2 live approvalsMetselaar (vwo)
Ruwbouw duaal (so)
Similar companies · same sector, comparable size
STONE DESIGN LAUWERIJS
BE 0473.609.428
Aalst · Eq €647,869
VANBOSSEL LUC
BE 0877.537.818
Ichtegem · Eq €648,298
BLUE GOLD
BE 0458.110.016
Gembloux · Eq €645,651
G & H INTERIEUR
BE 0461.453.447
Turnhout · Eq €644,849
GOETHALS LOODGIETERSBEDRIJF
BE 0466.233.468
Aalter · Eq €644,836
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 4,067 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
43110Demolition
43211General electrical installation work
43230Insulation installation
43320Joinery installation
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.bouwwerkenvandersteen.be
E-mail:vandersteenbouwwerken@outlook.com