DAKWERKEN STEVE
ActiveDAKWERKEN STEVE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €6k. Equity is growing by ~27.7% per year across the filed fiscal years. Its solvency ranks better than 36% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
68
/ 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
Profitability71▼-5
Solvency58▲+11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.89 in 2024; short-term debt: 67.3% and cash: 32% of total assets), and 67.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
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
32.7%
Return on assets
2.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-08-2026, 16 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
16 d late
2024
6 d early
2023
34 d early
2022
3 d early
2021
51 d early
2020
57 d early
2019
3 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€97k▲ 7.0%
2024 · €90k
2019: €747
2020: €5k
2021: €-12k
2022: €65k
2023: €68k
2024: €90k
2019 → 2025
Total assets
€296k▼ 27.2%
2024 · €407k
2019: €456k
2020: €355k
2021: €447k
2022: €508k
2023: €420k
2024: €407k
2019 → 2025
Net result
€6k▼ 71.3%
2024 · €22k
2019: €15k
2020: €4k
2021: €-17k
2022: €77k
2023: €4k
2024: €22k
2019 → 2025
Working capital
€-17k▲ 43.1%
2024 · €-30k
2019: €-48k
2020: €-28k
2021: €-76k
2022: €-66k
2023: €-54k
2024: €-30k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-12k-€65k€68k▲ 5.7%€90k▲ 32.3%€97k▲ 7.0%
Operating result€-6k-€94k€17k▼ 81.9%€47k▲ 178%€20k▼ 58.2%
Net result€-17k-€77k€4k▼ 95.2%€22k▲ 500%€6k▼ 71.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €296k
Fixed assets
€114k▼ 32.8%
Current assets
€183k▼ 23.3%
Equity and liabilities €296k
Equity
€97k▲ 7.0%
Debt
€200k▼ 37.0%
The debt ratio falls from 77.8% to 67.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▼
2024 · €102k
Cash flow
€62k▼
2024 · €77k
Solvency
32.7%▲
2024 · 22.2%
Current ratio
0.92▲
2024 · 0.89
Quick ratio
0.72▲
2024 · 0.69
Debt / equity
2.06▼
2024 · 3.50
ROE
6.5%▼
2024 · 24.4%
ROA
2.1%▼
2024 · 5.4%
Interest coverage
11.42▲
2024 · 9.68
Debt
€200k▼
2024 · €317k
Debt ≤ 1 year
€200k▼
2024 · €268k
Income taxes
€7k▼
2024 · €15k
Staff costs
€385k▼
2024 · €409k
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€407k€296k▼
Fixed assets21/28€169k€114k▼
Tangible fixed assets22/27€169k€114k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€117k€92k▼
Leasing and similar rights25€34k€8k▼
Other tangible fixed assets26€11k€9k▼
Financial fixed assets28€159€159=
Current assets29/58€238k€183k▼
Stocks and contracts in progress3€54k€38k▼
Stocks30/36€54k€38k▼
Amounts receivable within one year40/41€61k€44k▼
Trade receivables40€18k€27k▲
Other amounts receivable41€43k€17k▼
Cash at bank and in hand54/58€95k€95k▲
Deferred charges and accrued income490/1€29k€5k▼
Equity and liabilities
Total equity and liabilities10/49€407k€296k▼
Equity10/15€90k€97k▲
Contributions10/11€6k€6k=
Reserves13€84k€91k▲
Distributable reserves133€84k€91k▲
Amounts payable17/49€317k€200k▼
Amounts payable after more than one year17€49k-
Financial debts170/4€49k-
Amounts payable within one year42/48€268k€200k▼
Current portion of amounts payable after more than one year42€47k€50k▲
Financial debts43€92k€87k▼
Credit institutions430/8€92k€87k▼
Trade debts44€72k€29k▼
Suppliers440/4€72k€29k▼
Advances received on contracts in progress46€14k-
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€14k€13k▼
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€23k€15k▼
Income statement
Code20242025
Non-recurring operating income76A-€9k
Remuneration, social security and pensions62€409k€385k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€55k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€515k€465k▼
Operating profit (loss)9901€47k€20k▼
Financial income75/76B€279€248▼
Recurring financial income75€279€248▼
Financial charges65/66B€11k€7k▼
Recurring financial charges65€11k€7k▼
Profit (loss) for the period before taxes9903€37k€13k▼
Income taxes67/77€15k€7k▼
Profit (loss) for the period9904€22k€6k▼
Profit (loss) for the period to be appropriated9905€22k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€6k▼
Transfer to equity691/2€22k€6k▼
To other reserves6921€22k€6k▼
Social balance
Average headcount (FTE)90876.76.5▼
The notes to these accounts (7 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
16-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 16 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-17k ▼481%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
14-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Antwerpen · 1 establishment unit since 2008
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.
Den Haaglaan 662660 AntwerpenGround area
478 m²
Building footprint
54 m²
Volume, LiDAR
440 m³
Parcel 11382C0648/00M007, Flanders · tallest building 8.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Dakwerken Steve
since 20082.169.008.090
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11382C0648/00M007 | Flanders | 478 m² | 1 · 54 m² | 8.7 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,375 EUR awarded · 1,997 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,306 EUR | 1,275 EUR |
| 2024 | 1 | 347 EUR | 0 EUR |
| 2023 | 1 | 330 EUR | 722 EUR |
| 2022 | 1 | 392 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2008
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.