HOLDING STEVEN VAN BAVEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €554k and a net result of €164k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 46% of 6156 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
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 30-06-2025, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
50 d early
2022
34 d early
2021
13 d early
2020
33 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€554k▲ 13.2%
2023 · €490k
2020: €275k
2021: €421k
2022: €534k
2023: €490k
2020 → 2024
Net result
€164k▲ 25.5%
2023 · €131k
2020: €260k
2021: €146k
2022: €172k
2023: €131k
2020 → 2024
Total assets
€1.14M▼ 2.0%
2023 · €1.17M
2020: €703k
2021: €800k
2022: €934k
2023: €1.17M
2020 → 2024
Solvency
48.4%▲ 6.5pp
2023 · 41.9%
2020: 39.1%
2021: 52.7%
2022: 57.1%
2023: 41.9%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€275k-€421k▲ 53.3%€534k▲ 26.6%€490k▼ 8.2%€554k▲ 13.2%
Operating result€46k-€202k▲ 340%€237k▲ 17.1%€185k▼ 21.7%€233k▲ 25.8%
Net result€260k-€146k▼ 43.7%€172k▲ 17.6%€131k▼ 23.9%€164k▲ 25.5%
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 26% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.14M
Fixed assets
€1.04M▲ 4.8%
Current assets
€106k▼ 40.4%
Equity and liabilities €1.14M
Equity
€554k▲ 13.2%
Debt
€590k▼ 13.0%
The debt ratio falls from 58.1% to 51.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
48.4%▲
2023 · 41.9%
ROE
29.7%▲
2023 · 26.8%
ROA
14.4%▲
2023 · 11.2%
Debt
€590k▼
2023 · €678k
Debt ≤ 1 year
€178k▼
2023 · €239k
Debt > 1 year
€412k▼
2023 · €439k
Income taxes
€55k▲
2023 · €45k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.17M€1.14M▼
Fixed assets21/28€990k€1.04M▲
Tangible fixed assets22/27€294k€342k▲
Land and buildings22€282k€276k▼
Furniture and vehicles24€12k€66k▲
Financial fixed assets28€697k€697k=
Current assets29/58€177k€106k▼
Amounts receivable within one year40/41€5k€0▼
Trade receivables40€0-
Other amounts receivable41€5k€0▼
Cash at bank and in hand54/58€172k€104k▼
Deferred charges and accrued income490/1€741€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.14M▼
Equity10/15€490k€554k▲
Contributions10/11€15k€15k=
Reserves13€475k€539k▲
Distributable reserves133€475k€539k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€678k€590k▼
Amounts payable after more than one year17€439k€412k▼
Financial debts170/4€439k€412k▼
Amounts payable within one year42/48€239k€178k▼
Current portion of amounts payable after more than one year42€64k€70k▲
Trade debts44€641€659▲
Suppliers440/4€641€659▲
Taxes, remuneration and social security45€26k€20k▼
Taxes450/3€26k€20k▼
Other amounts payable47/48€148k€88k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€19k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€237k€255k▲
Operating profit (loss)9901€185k€233k▲
Financial income75/76B€416€2▼
Recurring financial income75€416€2▼
Financial charges65/66B€9k€14k▲
Recurring financial charges65€9k€14k▲
Profit (loss) for the period before taxes9903€176k€219k▲
Income taxes67/77€45k€55k▲
Profit (loss) for the period9904€131k€164k▲
Profit (loss) for the period to be appropriated9905€131k€164k▲
Appropriation of the result
Profit (loss) to be appropriated9906€131k€164k▲
Transfer from equity791/2€44k€0▼
Transfer to equity691/2€0€64k▲
To other reserves6921€0€64k▲
Profit to be distributed694/7€175k€100k▼
Return on contributions (dividend)694€175k€100k▼
The notes to these accounts (24 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €554k ▲13.2%
5 profitable years in a row build equity to €554k.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €131k ▼23.9%
Net result drops to €131k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €534k ▲26.6%
3 profitable years in a row build equity to €534k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 1.75
Current ratio from 0.43 to 1.75; short-term debt falls from €50k to €48k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Brecht · 1 establishment unit since 2020
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.
Ganzendries 32960 BrechtGround area
308 m²
Building footprint
96 m²
Parcel 11333D0833/00B000, Flanders. Linked by address, not a title deed.
1 establishment unit
Holding Steven Van Bavel
since 20202.298.714.611
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11333D0833/00B000 | Flanders | 307 m² | 1 · 96 m² | - |
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 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,552 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.