De Steiger
ActiveSummary
De Steiger has been active since 1966 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.24M and a net result of €8k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 64% of 463 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+2
Solvency86=
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 1.98 in 2024; short-term debt: 21.7% and cash: 23.3% of total assets), and 38.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← 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
61.2%
Return on assets
0.4%
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
31 d early
2023
71 d early
2022
41 d early
2021
44 d early
2020
45 d early
2019
59 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
€1.24M▲ 0.6%
2024 · €1.23M
2018: €1.04M
2019: €1.09M
2020: €1.20M
2021: €1.28M
2022: €1.21M
2023: €1.25M
2024: €1.23M
2018 → 2025
Total assets
€2.03M▲ 0.8%
2024 · €2.01M
2018: €1.48M
2019: €1.55M
2020: €1.62M
2021: €1.77M
2022: €1.71M
2023: €1.78M
2024: €2.01M
2018 → 2025
Net result
€8k
2024 · €-21k
2018: €137k
2019: €52k
2020: €107k
2021: €86k
2022: €-73k
2023: €35k
2024: €-21k
2018 → 2025
Working capital
€448k▲ 12.3%
2024 · €399k
2018: €604k
2019: €677k
2020: €789k
2021: €903k
2022: €781k
2023: €829k
2024: €399k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.28M-€1.21M▼ 5.7%€1.25M▲ 3.7%€1.23M▼ 1.8%€1.24M▲ 0.6%
Operating result€90k-€-69k€32k€-18k€23k
Net result€86k-€-73k€35k€-21k€8k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €23k after a loss of €18k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.03M
Fixed assets
€1.14M ▼ 5.4%
Current assets
€888k ▲ 10.1%
Equity and liabilities €2.03M
Equity
€1.24M ▲ 0.6%
Provisions
€38k ▼ 7.1%
Debt
€750k ▲ 1.7%
The debt ratio rises from 36.7% to 37.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€121k▲
2024 · €69k
Cash flow
€106k▲
2024 · €66k
Current ratio
2.02▲
2024 · 1.98
Debt / equity
0.60▲
2024 · 0.60
ROE
0.7%▲
2024 · -1.7%
ROA
0.4%▲
2024 · -1.1%
Interest coverage
7.74▼
2024 · 10.51
Debt ≤ 1 year
€440k▲
2024 · €408k
Debt > 1 year
€310k▼
2024 · €329k
Income taxes
€468▼
2024 · €4k
Staff costs
€3.55M▲
2024 · €3.51M
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.01M€2.03M▲
Fixed assets21/28€1.20M€1.14M▼
Tangible fixed assets22/27€1.20M€1.14M▼
Land and buildings22€1.05M€1.01M▼
Plant, machinery and equipment23€137k€116k▼
Furniture and vehicles24€12k€11k▼
Current assets29/58€807k€888k▲
Amounts receivable within one year40/41€396k€399k▲
Trade receivables40€375€450▲
Other amounts receivable41€395k€398k▲
Current investments50/53€0-
Cash at bank and in hand54/58€404k€472k▲
Deferred charges and accrued income490/1€7k€17k▲
Equity and liabilities
Total equity and liabilities10/49€2.01M€2.03M▲
Equity10/15€1.23M€1.24M▲
Contributions10/11€95k€95k=
Capital10€95k€95k=
Reserves13€308k€308k=
Profit (loss) carried forward14€820k€828k▲
Investment grants15€9k€8k▼
Provisions and deferred taxes16€40k€38k▼
Provisions for liabilities and charges160/5€40k€38k▼
Major repairs and maintenance162€40k€38k▼
Amounts payable17/49€737k€750k▲
Amounts payable after more than one year17€329k€310k▼
Financial debts170/4€329k€310k▼
Amounts payable within one year42/48€408k€440k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Trade debts44€13k€32k▲
Suppliers440/4€13k€32k▲
Taxes, remuneration and social security45€369k€381k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€365k€377k▲
Accrued charges and deferred income492/3€920€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€3.51M€3.55M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€98k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€3.56M€3.67M▲
Operating profit (loss)9901€-18k€23k▲
Financial income75/76B€13k€728▼
Recurring financial income75€13k€728▼
Financial charges65/66B€12k€16k▲
Recurring financial charges65€7k€16k▲
Non-recurring financial charges66B€6k€0▼
Profit (loss) for the period before taxes9903€-17k€9k▲
Income taxes67/77€4k€468▼
Profit (loss) for the period9904€-21k€8k▲
Profit (loss) for the period to be appropriated9905€-21k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€820k€828k▲
Profit (loss) brought forward from the previous period14P€841k€820k▼
Social balance
Average headcount (FTE)908746.245.2▼
The notes to these accounts (14 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-73k ▼185%
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 59 days late
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-05
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
11 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, Lokeren · 6 establishment units since 2006
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.
Torenstraat 309160 LokerenGround area
1.8 ha
Building footprint
1,593 m²
Volume, LiDAR
10,715 m³
5 parcels, Flanders · tallest building 18.2 m, ±4 floors. Linked by address, not a title deed.
6 establishment units
De Steiger
since 20062.153.733.461
TCK de sprong
since 20092.176.753.640
Jules Maillet
since 20092.176.753.937
huis lenteweelde
since 20092.176.754.036
huis Werner Tibbaut
since 20092.176.754.135
thuisbegeleidingsdienst Mobilé
since 20092.176.754.234
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009C0079/00X000 | Flanders | 1.4 ha | 2 · 486 m² | 18.2 m · 4 fl. |
| 46002C1087/00C000 | Flanders | 2,708 m² | 1 · 261 m² | 17.1 m · 4 fl. |
| 46384E0673/00M000 | Flanders | 727 m² | 1 · 493 m² | 6.3 m · 1 fl. |
| 46014A0295/00E000 | Flanders | 649 m² | 1 · 243 m² | 7.6 m · 1 fl. |
| 44432C0902/00Y002 | Flanders | 304 m² | 1 · 110 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 15,204,598 EUR awarded · 14,776,945 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,947,343 EUR | 3,946,812 EUR |
| 2024 | 1 | 3,917,606 EUR | 3,882,391 EUR |
| 2023 | 3 | 3,785,013 EUR | 3,718,869 EUR |
| 2022 | 4 | 3,554,636 EUR | 3,228,873 EUR |
Schemes
Subsidies jeugdhulp
Erkenning en subsidiëring van voorzieningen Jeugdhulp
Subsidie voor de tussenkomst in de energiekost in 2022
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Food safety, FASFC
3 sitesLaarne2.176.754.135
Lokeren2.176.753.937
Sint-Niklaas2.176.754.036
Care and welfare
2 services · 1 liveDE STEIGER
MOBILE
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Of 228 companies in sector 87991 we hold annual accounts for 209. 186 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded10-03-1966
Fiscal year end31-12
Activities, NACEBEL
85313
87991Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.