DEROUF STEVEN
ActiveSummary
DEROUF STEVEN has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €139k and a net result of €3k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+1
Solvency80▲+14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 1.33 in 2023; short-term debt: 17.2% and cash: 20.6% of total assets), and 44.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 41
Relative position
BE, all sectors
reference
Sector 41
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-06-2025, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
50 d early
2023
50 d early
2022
32 d early
2021
30 d early
2020
54 d early
2019
11 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€139k▲ 2.6%
2023 · €136k
2018: €136k
2019: €163k
2020: €169k
2021: €149k
2022: €151k
2023: €136k
2018 → 2024
Total assets
€252k▼ 23.3%
2023 · €329k
2018: €320k
2019: €433k
2020: €418k
2021: €340k
2022: €291k
2023: €329k
2018 → 2024
Net result
€3k▲ 289%
2023 · €893
2018: €43k
2019: €28k
2020: €10k
2021: €23k
2022: €19k
2023: €893
2018 → 2024
Working capital
€61k▲ 25.0%
2023 · €49k
2018: €122k
2019: €94k
2020: €134k
2021: €107k
2022: €69k
2023: €49k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€169k-€149k▼ 11.7%€151k▲ 1.1%€136k▼ 9.8%€139k▲ 2.6%
Operating result€11k-€31k▲ 195%€24k▼ 21.8%€7k▼ 70.0%€12k▲ 64.6%
Net result€10k-€23k▲ 138%€19k▼ 17.2%€893▼ 95.2%€3k▲ 289%
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 2024; 2024 is 65% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €252k
Fixed assets
€148k ▲ 11.3%
Current assets
€105k ▼ 46.7%
Equity and liabilities €252k
Equity
€139k ▲ 2.6%
Debt
€113k ▼ 41.5%
Debt's share of the balance-sheet total falls from 58.7% to 44.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▲
2023 · €52k
Cash flow
€49k▲
2023 · €45k
Current ratio
2.42▲
2023 · 1.33
Quick ratio
2.10▲
2023 · 1.33
Debt to equity
0.81▼
2023 · 1.42
ROE
2.5%▲
2023 · 0.7%
ROA
1.4%▲
2023 · 0.3%
Interest coverage
9.83▲
2023 · 9.45
Debt ≤ 1 year
€43k▼
2023 · €147k
Debt > 1 year
€65k▲
2023 · €41k
Income taxes
€3k▼
2023 · €4k
Staff costs
€64k▼
2023 · €94k
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 · 2024 against 2023 · 58 lines
Balance sheet
Code20232024
Assets
Total assets20/58€329k€252k▼
Fixed assets21/28€133k€148k▲
Tangible fixed assets22/27€133k€148k▲
Land and buildings22€13k€9k▼
Plant, machinery and equipment23€72k€57k▼
Furniture and vehicles24€48k€81k▲
Current assets29/58€197k€105k▼
Stocks and contracts in progress3-€14k
Contracts in progress37-€14k
Amounts receivable within one year40/41€66k€33k▼
Trade receivables40€60k€31k▼
Other amounts receivable41€6k€2k▼
Cash at bank and in hand54/58€125k€52k▼
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€329k€252k▼
Equity10/15€136k€139k▲
Contributions10/11€19k€19k=
Reserves13€117k€121k▲
Tax-exempt reserves132€0-
Distributable reserves133€117k€121k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€0-
Deferred taxes168€0-
Amounts payable17/49€193k€113k▼
Amounts payable after more than one year17€41k€65k▲
Financial debts170/4€41k€65k▲
Amounts payable within one year42/48€147k€43k▼
Current portion of amounts payable after more than one year42€29k€25k▼
Trade debts44€74k€8k▼
Suppliers440/4€74k€8k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€976€2k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€41k€7k▼
Accrued charges and deferred income492/3€5k€5k=
Income statement
Code20232024
Non-recurring operating income76A€20k€0▼
Remuneration, social security and pensions62€94k€64k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€46k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€148k€125k▼
Operating profit (loss)9901€7k€12k▲
Financial income75/76B€3k€389▼
Recurring financial income75€3k€389▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€4k€7k▲
Transfer from deferred taxes780€531€0▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€893€3k▲
Transfer from tax-exempt reserves789€2k€0▼
Profit (loss) for the period to be appropriated9905€3k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€3k▲
Transfer from equity791/2€16k€0▼
Transfer to equity691/2€3k€3k▲
To other reserves6921€3k€3k▲
Profit to be distributed694/7€16k€0▼
Return on contributions (dividend)694€16k€0▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €893 ▼95.2%
Net result drops to €893, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €151k ▲1.1%
5 profitable years in a row build equity to €151k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150kEq €163k ▲20.4%
2 profitable years in a row build equity to €163k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kuurne · 1 establishment unit since 2005
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.
Kortrijksestraat 1158520 KuurneGround area
2,749 m²
Building footprint
270 m²
Volume, LiDAR
1,798 m³
2 parcels, Flanders, Wallonia · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DEROUF STEVEN
since 20052.148.971.256
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57002A0366/00D000 | Wallonia | 1,720 m² | 1 · 167 m² | 8.1 m · 2 fl. |
| 34023C0440/00G006 | Flanders | 1,029 m² | 1 · 103 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 1 entry · 609 EUR awarded · 609 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 609 EUR | 609 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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VANACKER BOUWWERKEN
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VAN ZIELEGHEM K
BE 0568.511.159
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BG INVEST IMMOBILIERE
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,764 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
Founded19-09-2005
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43120Site preparation
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.deroufsteven.be
E-mail:info@deroufsteven.be