IN DE STEEG
ActiveSummary
IN DE STEEG has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €547k and a net result of €20k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 63% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+12
Solvency72▲+17
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.15 in 2024; short-term debt: 17.2% and cash: 28.9% of total assets), but 53% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
47%
Return on assets
1.7%
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 03-03-2026, 150 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
150 d early
2024
29 d early
2023
57 d early
2022
32 d early
2021
39 d early
2020
25 d early
2019
16 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€547k▲ 3.7%
2024 · €528k
2018: €538k
2019: €499k
2020: €349k
2021: €520k
2022: €694k
2023: €985k
2024: €528k
2018 → 2025
Total assets
€1.16M▼ 34.4%
2024 · €1.78M
2018: €1.24M
2019: €1.06M
2020: €1.02M
2021: €1.09M
2022: €1.20M
2023: €1.44M
2024: €1.78M
2018 → 2025
Net result
€20k▲ 270%
2024 · €5k
2018: €46k
2019: €23k
2020: €81k
2021: €229k
2022: €213k
2023: €336k
2024: €5k
2018 → 2025
Working capital
€143k▲ 25.6%
2024 · €114k
2018: €206k
2019: €342k
2020: €221k
2021: €402k
2022: €587k
2023: €848k
2024: €114k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€520k-€694k▲ 33.6%€985k▲ 41.8%€528k▼ 46.4%€547k▲ 3.7%
Operating result€327k-€305k▼ 6.8%€486k▲ 59.4%€27k▼ 94.5%€42k▲ 58.0%
Net result€229k-€213k▼ 6.9%€336k▲ 57.9%€5k▼ 98.4%€20k▲ 270%
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 58% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€821k ▼ 6.5%
Current assets
€342k ▼ 61.8%
Equity and liabilities €1.16M
Equity
€547k ▲ 3.7%
Debt
€616k ▼ 50.6%
Debt's share of the balance-sheet total falls from 70.3% to 53.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€104k▲
2024 · €81k
Cash flow
€81k▲
2024 · €59k
Current ratio
1.72▲
2024 · 1.15
Debt to equity
1.13▼
2024 · 2.36
ROE
3.6%▲
2024 · 1.0%
ROA
1.7%▲
2024 · 0.3%
Interest coverage
5.04▲
2024 · 3.86
Debt ≤ 1 year
€200k▼
2024 · €783k
Debt > 1 year
€417k▼
2024 · €464k
Income taxes
€2k▲
2024 · €530
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 · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.78M€1.16M▼
Fixed assets21/28€878k€821k▼
Tangible fixed assets22/27€878k€821k▼
Land and buildings22€878k€821k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€0-
Leasing and similar rights25€0-
Financial fixed assets28€0-
Current assets29/58€897k€342k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€118k€4k▼
Trade receivables40€0€0=
Other amounts receivable41€118k€4k▼
Cash at bank and in hand54/58€779k€337k▼
Deferred charges and accrued income490/1€0€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.78M€1.16M▼
Equity10/15€528k€547k▲
Contributions10/11€10k€10k=
Reserves13€518k€537k▲
Distributable reserves133€518k€537k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€1.25M€616k▼
Amounts payable after more than one year17€464k€417k▼
Financial debts170/4€464k€417k▼
Amounts payable within one year42/48€783k€200k▼
Current portion of amounts payable after more than one year42€45k€47k▲
Trade debts44€0€27▲
Suppliers440/4€0€27▲
Taxes, remuneration and social security45€0€7k▲
Taxes450/3€0€7k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€738k€146k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€62k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€88k€112k▲
Operating profit (loss)9901€27k€42k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€21k€21k▼
Recurring financial charges65€21k€21k▼
Profit (loss) for the period before taxes9903€6k€22k▲
Income taxes67/77€530€2k▲
Profit (loss) for the period9904€5k€20k▲
Profit (loss) for the period to be appropriated9905€5k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€20k▲
Transfer from equity791/2€0-
Transfer to equity691/2€5k€20k▲
To other reserves6921€5k€20k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (15 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
03-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €5k ▼98.4%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €336k ▲57.9%
Operating result €486k, net result €336k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €520k ▲48.8%
4 profitable years in a row build equity to €520k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
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
6 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, Zonhoven · 1 establishment unit since 1999
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.
KMO-zone Molenheide 40613520 ZonhovenGround area
3,926 m²
Building footprint
2,174 m²
Parcel 71442D0130/00B039, Flanders. Linked by address, not a title deed.
1 establishment unit
IN DE STEEG
since 19992.091.714.433
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442D0130/00B039 | Flanders | 3,926 m² | 1 · 2,174 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 273 EUR awarded · 273 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 273 EUR | 273 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,628 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
Founded23-04-1999
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.