DECOCK STEVEN
ActiveDECOCK STEVEN has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €4k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 35% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-1
Solvency62▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.11 in 2024; short-term debt: 63.3% and cash: 7.7% of total assets), but 63.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
36.7%
Return on assets
4.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
116 d late
2023
153 d late
2022
333 d late
2021
152 d late
2020
151 d late
2019
153 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 15.2%
2024 · €24k
2018: €7k
2019: €7k
2020: €16k
2021: €15k
2022: €18k
2023: €21k
2024: €24k
2018 → 2025
Total assets
€76k▲ 30.7%
2024 · €58k
2018: €73k
2019: €40k
2020: €67k
2021: €55k
2022: €51k
2023: €71k
2024: €58k
2018 → 2025
Net result
€4k▲ 2.8%
2024 · €4k
2018: €-2k
2019: €-314
2020: €11k
2021: €-518
2022: €3k
2023: €3k
2024: €4k
2018 → 2025
Working capital
€25k▲ 577%
2024 · €4k
2018: €-9k
2019: €-3k
2020: €-4k
2021: €-17k
2022: €-6k
2023: €-22k
2024: €4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€18k▲ 17.6%€21k▲ 13.8%€24k▲ 17.4%€28k▲ 15.2%
Operating result€482-€4k▲ 809%€4k▼ 7.3%€6k▲ 40.2%€6k▲ 4.6%
Net result€-518-€3k€3k▼ 7.7%€4k▲ 42.9%€4k▲ 2.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€3k▼ 87.8%
Current assets
€74k▲ 95.0%
Equity and liabilities €76k
Equity
€28k▲ 15.2%
Debt
€48k▲ 41.8%
The debt ratio rises from 58.4% to 63.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▼
2024 · €28k
Cash flow
€24k▼
2024 · €26k
Solvency
36.7%▼
2024 · 41.6%
Current ratio
1.53▲
2024 · 1.11
Quick ratio
1.53▲
2024 · 1.11
Debt / equity
1.73▲
2024 · 1.40
ROE
13.2%▼
2024 · 14.8%
ROA
4.8%▼
2024 · 6.2%
Interest coverage
131.08▼
2024 · 138.47
Debt
€48k▲
2024 · €34k
Debt ≤ 1 year
€48k▲
2024 · €34k
Income taxes
€2k▲
2024 · €2k
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€58k€76k▲
Fixed assets21/28€21k€3k▼
Tangible fixed assets22/27€21k-
Furniture and vehicles24€21k-
Financial fixed assets28-€3k
Current assets29/58€38k€74k▲
Amounts receivable within one year40/41€26k€68k▲
Trade receivables40€26k€43k▲
Other amounts receivable41-€25k
Cash at bank and in hand54/58€12k€6k▼
Equity and liabilities
Total equity and liabilities10/49€58k€76k▲
Equity10/15€24k€28k▲
Contributions10/11€7k€7k=
Capital10€7k-
Issued capital100€7k-
Reserves13€13k€13k=
Non-distributable reserves130/1€650€650=
Legal reserve130€650-
Reserves not available under the articles1311-€650
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€5k€8k▲
Amounts payable17/49€34k€48k▲
Amounts payable within one year42/48€34k€48k▲
Trade debts44€10k€10k▲
Suppliers440/4€10k€10k▲
Taxes, remuneration and social security45€24k€29k▲
Taxes450/3€24k€29k▲
Other amounts payable47/48-€10k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€272€128▼
Gross operating margin9900€28k€27k▼
Operating profit (loss)9901€6k€6k▲
Financial charges65/66B€201€202▲
Recurring financial charges65€201€202▲
Profit (loss) for the period before taxes9903€5k€6k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€4k€4k▲
Profit (loss) for the period to be appropriated9905€4k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€8k▲
Profit (loss) brought forward from the previous period14P€1k€5k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
24-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 116 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 333 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
2021
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 151 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
2019
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 153 days late
04-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 157 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Koksijde
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.
Albert I Laan(Odk) 1628670 KoksijdeGround area
861 m²
Building footprint
164 m²
Volume, LiDAR
1,085 m³
Parcel 38018A1036/00P000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38018A1036/00P000 | Flanders | 861 m² | 1 · 164 m² | 9.9 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 33,868 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-06-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.