IN STEEN
ActiveThe computed 12-month bankruptcy probability of IN STEEN is 2.1% (moderate). The 2025 annual accounts show equity of €98k and a net result of €88k. Its solvency ranks better than 78% of 7330 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency100
Growth-
Stability67
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 3.39), and 29.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
70.2%
Return on assets
63%
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 30-10-2025, 1 day ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€98k
Total assets
€139k
Net result
€88k
Working capital
€98k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €139k
Equity
€98k
Debt
€42k
Debt finances 29.8% of the balance-sheet total.
Key figures and ratios
Solvency
70.2%
Current ratio
3.39
Quick ratio
3.39
Debt / equity
0.42
ROE
89.8%
ROA
63.0%
Debt
€42k
Debt ≤ 1 year
€41k
Income taxes
€29k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€139k
Current assets29/58€139k
Amounts receivable within one year40/41€20k
Trade receivables40€20k
Other amounts receivable41€381
Cash at bank and in hand54/58€119k
Equity and liabilities
Total equity and liabilities10/49€139k
Equity10/15€98k
Contributions10/11€10k
Capital10€10k
Issued capital100€10k
Profit (loss) carried forward14€88k
Amounts payable17/49€42k
Amounts payable within one year42/48€41k
Trade debts44€12k
Suppliers440/4€12k
Taxes, remuneration and social security45€29k
Taxes450/3€29k
Accrued charges and deferred income492/3€500
Income statement
Code2025
Gross operating margin9900€135k
Operating profit (loss)9901€135k
Financial charges65/66B€18k
Recurring financial charges65€18k
Profit (loss) for the period before taxes9903€117k
Income taxes67/77€29k
Profit (loss) for the period9904€88k
Profit (loss) for the period to be appropriated9905€88k
Appropriation of the result
Profit (loss) to be appropriated9906€88k
Timeline · acts, filings and financial milestones
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Herzele · 1 establishment unit since 2024
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.
Kauwstraat 719550 HerzeleGround area
1.2 ha
Building footprint
105 m²
Volume, LiDAR
838 m³
Parcel 41062B0557/02M000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kauwstraat 71, 9550 Herzele
since 20242.355.506.230
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41062B0557/02M000 | Flanders | 1.2 ha | 1 · 105 m² | 10.8 m · 3 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
Vasalba
BE 0508.796.078
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CLOIX-COENEN CONSTRUCT
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SCOPIC
BE 0666.550.841
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ONYX 7
BE 0521.987.979
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GRG POIENARU
BE 0780.411.718
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 13,152 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2023
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.