Summary
IMMO STEYLAERTS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €11.9m and a net result of €215,209. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 46% of 2444 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
44 d early
2023
40 d early
2022
26 d early
2021
59 d early
2020
31 d early
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 38 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 22 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#5 company by total assets in Lier, Finance and insurance sector#5 company by equity in Lier, Finance and insurance sector#9 oldest company in Lier, Finance and insurance sector
Equity
€11.9m▲ 1.8%
2024 · €11.7m
Net result
€215,209▼ 71.3%
2024 · €750,086
Total assets
€20.9m▼ 2.3%
2024 · €21.4m
Solvency
57.0%▲ 2.3pp
2024 · 54.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€902,097▲ 2.3%€823,190▼ 8.7%€845,799▲ 2.7%€855,128▲ 1.1%€885,326▲ 3.5%
Operating result€441,182▲ 24.5%€1.6m▲ 265%€447,657▼ 72.2%€448,062▲ 0.1%€474,275▲ 5.9%
Net result€1.4mabove the sector's middle half▲ 686%€1.0mabove the sector's middle half▼ 29.4%€140,210within the sector's middle half▼ 86.1%€750,086within the sector's middle half▲ 435%€215,209within the sector's middle half▼ 71.3%
Equity€9.8mwithin the sector's middle half▲ 17.1%€10.8mwithin the sector's middle half▲ 10.3%€10.9mwithin the sector's middle half▲ 1.3%€11.7mwithin the sector's middle half▲ 6.9%€11.9mwithin the sector's middle half▲ 1.8%
Total assets€23.4mwithin the sector's middle half▼ 1.4%€21.8mwithin the sector's middle half▼ 6.7%€21.6mwithin the sector's middle half▼ 1.0%€21.4mwithin the sector's middle half▼ 1.2%€20.9mwithin the sector's middle half▼ 2.3%
Debt€13.6m▼ 11.4%€11.0m▼ 18.9%€10.7m▼ 3.2%€9.7m▼ 9.5%€9.0m▼ 7.3%
Working capital-€3.0mbelow the sector's middle half▲ 10.8%-€2.6mbelow the sector's middle half▲ 15.0%-€1.6mbelow the sector's middle half▲ 38.6%-€1.3mbelow the sector's middle half▲ 18.6%-€1.0mbelow the sector's middle half▲ 21.5%
Solvency41.8%within the sector's middle half▲ 6.6pp49.4%within the sector's middle half▲ 7.6pp50.5%within the sector's middle half▲ 1.1pp54.7%within the sector's middle half▲ 4.1pp57.0%within the sector's middle half▲ 2.3pp
Current ratio0.01below the sector's middle half=0.01below the sector's middle half=0.00below the sector's middle half▼ 0.010.10below the sector's middle half▲ 0.100.06below the sector's middle half▼ 0.04
Return on assets (ROA)6.1%within the sector's middle half▲ 5.3pp4.6%within the sector's middle half▼ 1.5pp0.6%within the sector's middle half▼ 4.0pp3.5%within the sector's middle half▲ 2.9pp1.0%within the sector's middle half▼ 2.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20.9m
Fixed assets
€20.8m ▼ 1.9%
Current assets
€70,370 ▼ 53.4%
Equity and liabilities €20.9m
Equity
€11.9m ▲ 1.8%
Debt
€9.0m ▼ 7.3%
Debt's share of the balance-sheet total falls from 45.3% to 43.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.8%▼
2024 · 6.4%
Debt ≤ 1 year
€1.1m▼
2024 · €1.4m
Debt > 1 year
€7.8m▼
2024 · €8.2m
Income taxes
€70,350▲
2024 · €50,349
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €996,756 | €2.1m | €931,157 | €945,161 | €977,229 | ▲ 3.4% |
| Turnover70 | €902,097 | €823,190 | €845,799 | €855,128 | €885,326 | ▲ 3.5% |
| Other operating income74 | €94,660 | €96,963 | €85,358 | €90,033 | €91,903 | ▲ 2.1% |
| Non-recurring operating income76A | - | €1.2m | - | €0 | - | - |
| Operating charges60/66A | €555,574 | €520,004 | €483,499 | €497,099 | €502,954 | ▲ 1.2% |
| Services and other goods61 | €2,659 | €7,513 | €6,837 | €0 | €3,159 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €456,972 | €414,340 | €390,107 | €406,773 | €406,773 | = |
| Other operating charges640/8 | €95,943 | €98,152 | €86,556 | €90,326 | €93,021 | ▲ 3.0% |
| Operating profit (loss)9901 | €441,182 | €1.6m | €447,657 | €448,062 | €474,275 | ▲ 5.9% |
| Financial income75/76B | €1.3m | - | €3 | €599,045 | €21,957 | ▼ 96.3% |
| Recurring financial income75 | €1.3m | - | €3 | €599,045 | €21,957 | ▼ 96.3% |
| Income from financial fixed assets750 | €1.3m | - | - | €599,045 | €21,957 | ▼ 96.3% |
| Other financial income752/9 | - | - | €3 | - | - | - |
| Financial charges65/66B | €268,221 | €251,903 | €256,411 | €246,672 | €210,673 | ▼ 14.6% |
| Recurring financial charges65 | €268,221 | €251,903 | €256,411 | €246,672 | €210,673 | ▼ 14.6% |
| Debt charges650 | €268,221 | €248,293 | €256,411 | €246,672 | €210,673 | ▼ 14.6% |
| Other financial charges652/9 | - | €3,609 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €1.5m | €1.4m | €191,249 | €800,435 | €285,559 | ▼ 64.3% |
| Transfer from deferred taxes780 | €909 | €5,452 | - | - | - | - |
| Income taxes67/77 | €44,879 | €355,393 | €51,040 | €50,349 | €70,350 | ▲ 39.7% |
| Taxes670/3 | €44,879 | €355,393 | €51,040 | €50,349 | €70,350 | ▲ 39.7% |
| Profit (loss) for the period9904 | €1.4m | €1.0m | €140,210 | €750,086 | €215,209 | ▼ 71.3% |
| Transfer from tax-exempt reserves789 | €2,726 | €16,356 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €1.4m | €1.0m | €140,210 | €750,086 | €215,209 | ▼ 71.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €23.4m | €21.8m | €21.6m | €21.4m | €20.9m | ▼ 2.3% |
| Fixed assets21/28 | €23.4m | €21.8m | €21.6m | €21.2m | €20.8m | ▼ 1.9% |
| Tangible fixed assets22/27 | €13.4m | €11.8m | €11.6m | €11.2m | €10.8m | ▼ 3.6% |
| Land and buildings22 | €13.4m | €11.8m | €11.6m | €11.2m | €10.8m | ▼ 3.6% |
| Financial fixed assets28 | €10.0m | €10.0m | €10.0m | €10.0m | €10.0m | = |
| Affiliated companies280/1 | €10.0m | €10.0m | €10.0m | €10.0m | €10.0m | = |
| Participating interests280 | €10.0m | €10.0m | €10.0m | €10.0m | €10.0m | = |
| Current assets29/58 | €28,704 | €25,033 | €4,947 | €150,881 | €70,370 | ▼ 53.4% |
| Amounts receivable within one year40/41 | €5,129 | €5,121 | €284 | €49,653 | - | - |
| Other amounts receivable41 | €5,129 | €5,121 | €284 | €49,653 | - | - |
| Cash at bank and in hand54/58 | €23,574 | €19,912 | €4,663 | €101,228 | €70,370 | ▼ 30.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €23.4m | €21.8m | €21.6m | €21.4m | €20.9m | ▼ 2.3% |
| Equity10/15 | €9.8m | €10.8m | €10.9m | €11.7m | €11.9m | ▲ 1.8% |
| Contributions10/11 | €7.1m | €7.1m | €7.1m | €7.1m | €7.1m | = |
| Capital10 | €7.1m | €7.1m | €7.1m | €7.1m | €7.1m | = |
| Issued capital100 | €7.1m | €7.1m | €7.1m | €7.1m | €7.1m | = |
| Reserves13 | €2.7m | €3.7m | €3.8m | €4.6m | €4.8m | ▲ 4.7% |
| Non-distributable reserves130/1 | €708,800 | €708,800 | €708,800 | €708,800 | €708,800 | = |
| Legal reserve130 | €708,800 | €708,800 | €708,800 | €708,800 | €708,800 | = |
| Tax-exempt reserves132 | €16,356 | - | - | - | - | - |
| Distributable reserves133 | €2.0m | €3.0m | €3.1m | €3.9m | €4.1m | ▲ 5.5% |
| Provisions and deferred taxes16 | €5,452 | €0 | - | - | - | - |
| Deferred taxes168 | €5,452 | €0 | - | - | - | - |
| Amounts payable17/49 | €13.6m | €11.0m | €10.7m | €9.7m | €9.0m | ▼ 7.3% |
| Amounts payable after more than one year17 | €10.5m | €8.4m | €9.1m | €8.2m | €7.8m | ▼ 4.3% |
| Financial debts170/4 | €10.4m | €8.3m | €9.0m | €8.0m | €7.7m | ▼ 4.3% |
| Subordinated loans170 | €200,000 | €0 | - | - | - | - |
| Credit institutions173 | €7.6m | €5.7m | €5.1m | €4.5m | €3.9m | ▼ 13.5% |
| Other loans174 | €2.6m | €2.6m | €3.9m | €3.6m | €3.9m | ▲ 7.0% |
| Other amounts payable178/9 | €117,000 | €117,000 | €117,000 | €117,000 | €117,000 | = |
| Amounts payable within one year42/48 | €3.1m | €2.6m | €1.6m | €1.4m | €1.1m | ▼ 24.8% |
| Current portion of amounts payable after more than one year42 | €1.4m | €1.3m | €600,000 | €852,000 | €848,000 | ▼ 0.5% |
| Financial debts43 | €200,000 | €0 | - | €33,804 | - | - |
| Credit institutions430/8 | €200,000 | €0 | - | €33,804 | - | - |
| Trade debts44 | €2,529 | €2,529 | €9,094 | €2,529 | €2,529 | = |
| Suppliers440/4 | €2,529 | €2,529 | €9,094 | €2,529 | €2,529 | = |
| Bills of exchange payable441 | - | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €12,016 | €70,393 | €121,432 | €51,039 | €70,348 | ▲ 37.8% |
| Taxes450/3 | €12,016 | €70,393 | €121,432 | €51,039 | €70,348 | ▲ 37.8% |
| Other amounts payable47/48 | €1.5m | €1.2m | €863,628 | €505,719 | €165,333 | ▼ 67.3% |
| Accrued charges and deferred income492/3 | €58,500 | €63,667 | - | €71,046 | €75,434 | ▲ 6.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.4m | €1.0m | €140,210 | €750,086 | €215,209 | ▼ 71.3% |
| + Depreciation and write-downs630 | €456,972 | €414,340 | €390,107 | €406,773 | €406,773 | = |
| Operating cash flow (approximation) | €1.9m | €1.4m | €530,316 | €1.2m | €621,982 | ▼ 46.2% |
| Investment in fixed assets (approximation) | - | €1.1m | -€200,000 | -€500 | €0 | ▲ 100% |
| Change in cash | - | -€3,662 | -€15,249 | €96,564 | -€30,858 | ▼ 132% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-09
State Gazette act
Reappointment: VGD Bedrijfsrevisoren BV (statutory auditor)Permanent representative: Maarten Lindemans3 facts ▸
State Gazette act
Reappointment: VGD Bedrijfsrevisoren BV (statutory auditor)
Permanent representative: Maarten Lindemans3 facts ▸
- General meeting, 30-06-2026
- Auditor reappointment, VGD Bedrijfsrevisoren BV (statutory auditor)
- Permanent representative, Maarten Lindemans (permanent representative)
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
15-06
State Gazette act
Resignation: Peter Steylaerts BV (director)Permanent representatives: Peter Steylaerts and Patrick Steylaerts7 facts ▸
State Gazette act
Resignation: Peter Steylaerts BV (director)
Permanent representatives: Peter Steylaerts and Patrick Steylaerts7 facts ▸
- Board meeting, 16-12-2024
- Director resignation, Peter Steylaerts BV (director)
- Permanent representative, Peter Steylaerts (permanent representative)
- Board composition, Patrick Steylaerts BV (director)
- Permanent representative, Patrick Steylaerts (permanent representative)
- Board composition, Verheyen Cornelia (director)
- General meeting, algemene vergadering
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €10mEq €10.8m ▲10.3%
5 profitable years in a row build equity to €10.8m.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €1.4m ▲686%
Net result €1.4m, the highest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €114,698 ▼84.5%
Net result drops to €114,698, the lowest in the series; recovery starts the following year.
Show earlier events
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 13 acts read
About the unread acts
Of the 13 Belgian State Gazette acts we know for this company, 2 have been read. The other 11 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
Statutory auditor 1
VGD Bedrijfsrevisoren BV
CurrentStatutory auditor · since 04-09-2026 · perm. rep.: Maarten Lindemans
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
11 of this company's 13 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Lier · 1 establishment unit since 2017
Ground area
3.5 ha
Building footprint
1.3 ha
Volume, LiDAR
86,917 m³
Parcel 12393D0092/00L000, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Schollebeekstraat 29, 2500 Lier
since 20172.265.011.564
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393D0092/00L000 | Flanders | 3.5 ha | 1 · 1.3 ha | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 1 in office
- Board
- Statutory auditor
- began earlier
| Name | Functions and periods |
|---|---|
| VGD Bedrijfsrevisoren BV |
|
| Peter Steylaerts |
|
Articles of association
Other statement
One provision in the deed
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
99.88%
According to the 2025 annual accounts of IMMO STEYLAERTS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 5,561 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded19-12-1995
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456831990
Registered
19-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.