FIRMA STEVENS
ActiveFIRMA STEVENS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €943k and a net result of €59k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 7.85 against 14.94 in 2024; short-term debt: 11.6% and cash: 42% of total assets), and 11.6% 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 22
Relative position
BE, all sectors
reference
Sector 22
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
88.4%
Return on assets
5.5%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
30 d late
2023
on the day
2022
30 d late
2021
30 d late
2020
13 d late
2019
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€943k▲ 6.7%
2024 · €884k
2019: €647k
2020: €733k
2021: €758k
2022: €808k
2023: €845k
2024: €884k
2019 → 2025
Total assets
€1.07M▲ 13.7%
2024 · €938k
2019: €879k
2020: €912k
2021: €823k
2022: €869k
2023: €972k
2024: €938k
2019 → 2025
Net result
€59k▲ 52.7%
2024 · €39k
2019: €140k
2020: €86k
2021: €25k
2022: €51k
2023: €36k
2024: €39k
2019 → 2025
Working capital
€849k▲ 11.3%
2024 · €763k
2019: €614k
2020: €699k
2021: €729k
2022: €792k
2023: €804k
2024: €763k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€758k-€808k▲ 6.7%€845k▲ 4.5%€884k▲ 4.6%€943k▲ 6.7%
Operating result€54k-€73k▲ 34.4%€52k▼ 28.8%€33k▼ 35.8%€88k▲ 167%
Net result€25k-€51k▲ 106%€36k▼ 28.1%€39k▲ 6.1%€59k▲ 52.7%
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 2025; 2025 is 167% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€93k▼ 22.8%
Current assets
€973k▲ 19.1%
Equity and liabilities €1.07M
Equity
€943k▲ 6.7%
Debt
€124k▲ 127%
The debt ratio rises from 5.8% to 11.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€116k▲
2024 · €62k
Cash flow
€87k▲
2024 · €67k
Solvency
88.4%▼
2024 · 94.2%
Current ratio
7.85▼
2024 · 14.94
Quick ratio
7.13▼
2024 · 14.66
Debt / equity
0.13▲
2024 · 0.06
ROE
6.3%▲
2024 · 4.4%
ROA
5.5%▲
2024 · 4.1%
Interest coverage
47.63▲
2024 · 24.12
Debt
€124k▲
2024 · €55k
Debt ≤ 1 year
€124k▲
2024 · €55k
Income taxes
€23k▲
2024 · €12k
Staff costs
€93k▲
2024 · €87k
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€938k€1.07M▲
Fixed assets21/28€121k€93k▼
Tangible fixed assets22/27€121k€93k▼
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€30k€26k▼
Furniture and vehicles24€87k€64k▼
Current assets29/58€817k€973k▲
Stocks and contracts in progress3€15k€90k▲
Stocks30/36€15k€90k▲
Amounts receivable within one year40/41€233k€436k▲
Trade receivables40€205k€409k▲
Other amounts receivable41€28k€27k▼
Cash at bank and in hand54/58€569k€447k▼
Equity and liabilities
Total equity and liabilities10/49€938k€1.07M▲
Equity10/15€884k€943k▲
Contributions10/11€19k€19k=
Reserves13€865k€924k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€863k€922k▲
Amounts payable17/49€55k€124k▲
Amounts payable within one year42/48€55k€124k▲
Current portion of amounts payable after more than one year42€23k€23k▼
Trade debts44€9k€78k▲
Suppliers440/4€9k€78k▲
Taxes, remuneration and social security45€16k€17k▲
Remuneration and social security454/9€16k€17k▲
Other amounts payable47/48€7k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€87k€93k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€149k€210k▲
Operating profit (loss)9901€33k€88k▲
Financial income75/76B€27k€44▼
Recurring financial income75€193€44▼
Non-recurring financial income76B€27k-
Financial charges65/66B€10k€6k▼
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B€7k€4k▼
Profit (loss) for the period before taxes9903€50k€82k▲
Income taxes67/77€12k€23k▲
Profit (loss) for the period9904€39k€59k▲
Profit (loss) for the period to be appropriated9905€39k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€59k▲
Transfer to equity691/2€39k€59k▲
To other reserves6921€39k€59k▲
Social balance
Average headcount (FTE)90871.31.4▲
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
31-03
Financial
Liquidity doublescurrent ratio 14.94
Current ratio from 7.34 to 14.94; short-term debt falls from €127k to €55k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
31-03
Financial
Weakest financial yearnet €25k ▼71.4%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity triplescurrent ratio 13.36
Current ratio from 5.27 to 13.36; short-term debt falls from €164k to €59k.
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
16-09
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
3 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, Tongeren-Borgloon · 1 establishment unit since 2010
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.
Maastrichtersteenweg 4373700 Tongeren-BorgloonGround area
2,984 m²
Building footprint
676 m²
Volume, LiDAR
2,519 m³
Parcel 73076D0184/00N000, Flanders · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Firma Stevens
since 20102.193.033.408
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73076D0184/00N000 | Flanders | 2,984 m² | 1 · 676 m² | 5.3 m · 1 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.
Similar companies · same sector, comparable size
RESARM ENGINEERING PLASTICS
BE 0407.736.332
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ROLTEX
BE 0870.528.082
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BEOLOGIC
BE 0446.075.779
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ZWEKO OPTICS
BE 0840.886.961
Bocholt · Eq €898k
NOVIFOR
BE 0439.148.791
Jabbeke · Eq €897k
Of 602 companies in sector 22260 we hold annual accounts for 282. 186 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2010
Fiscal year end31-03
Activities, NACEBEL
22260Manufacture of rubber and plastic products
25510Coating of metals
25610Manufacture of fabricated metal products, except machinery and equipment
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 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.