De Cuyper Steven
ActiveDe Cuyper Steven has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €15k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency85▲+14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.3 against 3.01 in 2024; short-term debt: 16% and cash: 38.1% of total assets), and 40.3% 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
59.7%
Return on assets
18.5%
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 02-04-2026, 120 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
120 d early
2024
167 d early
2023
92 d early
2022
49 d early
2021
129 d early
2020
33 d early
2019
51 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, micro schema
Equity
€49k▲ 44.8%
2024 · €34k
2018: €-60k
2019: €-57k
2020: €-42k
2021: €-56k
2022: €-6k
2023: €9k
2024: €34k
2018 → 2025
Total assets
€83k▲ 10.9%
2024 · €75k
2018: €48k
2019: €67k
2020: €84k
2021: €69k
2022: €125k
2023: €28k
2024: €75k
2018 → 2025
Net result
€15k▼ 38.9%
2024 · €25k
2018: €4k
2019: €3k
2020: €15k
2021: €-14k
2022: €50k
2023: €15k
2024: €25k
2018 → 2025
Working capital
€44k▲ 56.2%
2024 · €28k
2018: €-60k
2019: €-57k
2020: €-43k
2021: €-56k
2022: €-6k
2023: €3k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-56k-€-6k▲ 89.8%€9k€34k▲ 275%€49k▲ 44.8%
Operating result€-14k-€50k€15k▼ 70.4%€31k▲ 112%€22k▼ 28.3%
Net result€-14k-€50k€15k▼ 70.5%€25k▲ 69.4%€15k▼ 38.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€26k▼ 21.4%
Current assets
€57k▲ 36.0%
Equity and liabilities €83k
Equity
€49k▲ 44.8%
Debt
€33k▼ 17.7%
The debt ratio falls from 54.3% to 40.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €34k
Cash flow
€22k▼
2024 · €27k
Solvency
59.7%▲
2024 · 45.7%
Current ratio
4.30▲
2024 · 3.01
Quick ratio
3.69▲
2024 · 2.92
Debt / equity
0.68▼
2024 · 1.19
ROE
31.0%▼
2024 · 73.4%
ROA
18.5%▼
2024 · 33.5%
Interest coverage
25.75▼
2024 · 56.55
Debt
€33k▼
2024 · €41k
Debt ≤ 1 year
€13k▼
2024 · €14k
Debt > 1 year
€20k▼
2024 · €27k
Income taxes
€6k▲
2024 · €6k
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€75k€83k▲
Fixed assets21/28€33k€26k▼
Tangible fixed assets22/27€33k€26k▼
Furniture and vehicles24€33k€26k▼
Current assets29/58€42k€57k▲
Stocks and contracts in progress3€1k€8k▲
Stocks30/36€1k€4k▲
Contracts in progress37-€4k
Amounts receivable within one year40/41€20k€16k▼
Trade receivables40€18k€12k▼
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€19k€32k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€75k€83k▲
Equity10/15€34k€49k▲
Contributions10/11€19k€19k=
Reserves13€15k€31k▲
Distributable reserves133€15k€31k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€41k€33k▼
Amounts payable after more than one year17€27k€20k▼
Financial debts170/4€27k€20k▼
Amounts payable within one year42/48€14k€13k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€714€0▼
Taxes450/3€714€0▼
Other amounts payable47/48€4k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€706€718▲
Non-recurring operating charges66A€6k€0▼
Gross operating margin9900€40k€30k▼
Operating profit (loss)9901€31k€22k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€594€1k▲
Recurring financial charges65€594€1k▲
Profit (loss) for the period before taxes9903€31k€21k▼
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€25k€15k▼
Profit (loss) for the period to be appropriated9905€25k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€15k▼
Profit (loss) brought forward from the previous period14P€-10k€0▲
Transfer to equity691/2€15k€15k▼
To other reserves6921€15k€15k▼
The notes to these accounts (9 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 3.01
Current ratio from 1.14 to 3.01; short-term debt falls from €19k to €14k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
24-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-14k ▼189%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Brecht · 1 establishment unit since 2012
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.
Tilburgbaan 242960 BrechtGround area
665 m²
Building footprint
94 m²
Volume, LiDAR
677 m³
Parcel 11043E0009/00G000, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
De Cuyper Steven BV
since 20122.207.441.272
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11043E0009/00G000 | Flanders | 665 m² | 1 · 94 m² | 10.6 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.
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Of 4,097 companies in sector 43240 we hold annual accounts for 1,631. 1,335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2012
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.