Embrechts Steven
ActiveEmbrechts Steven has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €56k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
80
/ 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
Profitability100=
Solvency69▼-31
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 4.24 in 2024; short-term debt: 56.4% and cash: 61% of total assets), and 56.4% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
43.6%
Return on assets
48.7%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
25 d early
2024
51 d early
2023
35 d early
2022
55 d early
2021
48 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€96k
EBIT margin
42.1%
Net result
€56k▲ 32.1%
2024 · €43k
2021: €29k
2022: €45k
2023: €44k
2024: €43k
2021 → 2025
Working capital
€22k▼ 67.2%
2024 · €68k
2021: €37k
2022: €78k
2023: €114k
2024: €68k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€96k-
Equity€44k-€89k▲ 103%€133k▲ 49.2%€87k▼ 34.9%€51k▼ 41.8%
Operating result€40k-€58k▲ 43.2%€56k▼ 3.4%€54k▼ 2.8%€62k▲ 13.8%
Net result€29k-€45k▲ 55.4%€44k▼ 2.7%€43k▼ 2.8%€56k▲ 32.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€28k▲ 5.4%
Current assets
€88k▼ 1.7%
Equity and liabilities €116k
Equity
€51k▼ 41.8%
Debt
€65k▲ 124%
The debt ratio rises from 25.2% to 56.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€74k▲
2024 · €65k
Cash flow
€69k▲
2024 · €54k
Solvency
43.6%▼
2024 · 74.8%
Current ratio
1.34▼
2024 · 4.24
Quick ratio
1.28▼
2024 · 4.06
Debt / equity
1.29▲
2024 · 0.34
ROE
111.7%▲
2024 · 49.2%
ROA
48.7%▲
2024 · 36.8%
Interest coverage
439.59▲
2024 · 204.24
Debt
€65k▲
2024 · €29k
Debt ≤ 1 year
€65k▲
2024 · €21k
Debt > 1 year
€0▼
2024 · €8k
Income taxes
€13k▲
2024 · €11k
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€116k€116k=
Fixed assets21/28€27k€28k▲
Tangible fixed assets22/27€27k€28k▲
Plant, machinery and equipment23€10k€9k▼
Furniture and vehicles24€17k€19k▲
Current assets29/58€89k€88k▼
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€22k€12k▼
Trade receivables40€22k€12k▼
Other amounts receivable41€49€399▲
Current investments50/53€26k€0▼
Cash at bank and in hand54/58€28k€71k▲
Deferred charges and accrued income490/1€9k€594▼
Equity and liabilities
Total equity and liabilities10/49€116k€116k=
Equity10/15€87k€51k▼
Contributions10/11€15k€15k=
Reserves13€72k€36k▼
Distributable reserves133€72k€36k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€29k€65k▲
Amounts payable after more than one year17€8k€0▼
Financial debts170/4€8k€0▼
Amounts payable within one year42/48€21k€65k▲
Current portion of amounts payable after more than one year42€7k€0▼
Trade debts44€113€77▼
Suppliers440/4€113€77▼
Taxes, remuneration and social security45€13k€7k▼
Taxes450/3€11k€5k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€586€58k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€839€638▼
Gross operating margin9900€66k€75k▲
Operating profit (loss)9901€54k€62k▲
Financial income75/76B€105€8k▲
Recurring financial income75€105€8k▲
Financial charges65/66B€320€168▼
Recurring financial charges65€320€168▼
Profit (loss) for the period before taxes9903€54k€69k▲
Income taxes67/77€11k€13k▲
Profit (loss) for the period9904€43k€56k▲
Profit (loss) for the period to be appropriated9905€43k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€56k▲
Transfer from equity791/2€89k€43k▼
Transfer to equity691/2€43k€6k▼
To other reserves6921€43k€6k▼
Profit to be distributed694/7€89k€93k▲
Return on contributions (dividend)694€89k€93k▲
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €56k ▲32.1%
Operating result €62k, net result €56k, both a record.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €133k ▲49.2%
3 profitable years in a row build equity to €133k.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Kasterlee · 1 establishment unit since 2021
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.
Hofdreef 662460 KasterleeGround area
613 m²
Building footprint
115 m²
Volume, LiDAR
311 m³
Parcel 13038C0215/00M000, Flanders · tallest building 8.6 m. Linked by address, not a title deed.
1 establishment unit
Embrechts Steven
since 20212.316.342.281
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13038C0215/00M000 | Flanders | 613 m² | 1 · 115 m² | 8.6 m |
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 82,569 companies in sector 70200 we hold annual accounts for 52,573. 38,100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
41001General construction of residential buildings
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.