JOOS STEVEN
ActiveJOOS STEVEN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €-9k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 67% of 1291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-70
Solvency92▲+6
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.46 in 2024), and 39.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
20 d late
2024
28 d late
2023
36 d early
2022
11 d late
2021
37 d early
2020
37 d early
2019
38 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▼ 8.1%
2024 · €111k
2018: €41k
2019: €45k
2020: €30k
2021: €65k
2022: €79k
2023: €95k
2024: €111k
2018 → 2025
Total assets
€169k▼ 8.3%
2024 · €184k
2018: €64k
2019: €58k
2020: €66k
2021: €170k
2022: €160k
2023: €161k
2024: €184k
2018 → 2025
Net result
€-9k
2024 · €16k
2018: €-7k
2019: €5k
2020: €-15k
2021: €35k
2022: €14k
2023: €16k
2024: €16k
2018 → 2025
Working capital
€42k▲ 57.0%
2024 · €27k
2018: €20k
2019: €26k
2020: €-4k
2021: €22k
2022: €43k
2023: €48k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€79k▲ 21.6%€95k▲ 20.5%€111k▲ 16.4%€102k▼ 8.1%
Operating result€39k-€25k▼ 34.5%€23k▼ 10.6%€25k▲ 9.7%€-8k
Net result€35k-€14k▼ 59.3%€16k▲ 15.6%€16k▼ 3.9%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €25k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169k
Fixed assets
€68k▼ 31.6%
Current assets
€100k▲ 19.5%
Equity and liabilities €169k
Equity
€102k▼ 8.1%
Debt
€67k▼ 8.5%
The debt ratio falls from 39.7% to 39.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€23k▼
2024 · €56k
Cash flow
€23k▼
2024 · €47k
Solvency
60.4%▲
2024 · 60.3%
Current ratio
1.71▲
2024 · 1.46
Quick ratio
1.19▲
2024 · 0.91
Debt / equity
0.66▼
2024 · 0.66
ROE
-8.8%▼
2024 · 14.1%
ROA
-5.3%▼
2024 · 8.5%
Interest coverage
22.51▲
2024 · 12.01
Debt
€67k▼
2024 · €73k
Debt ≤ 1 year
€59k▲
2024 · €57k
Debt > 1 year
€8k▼
2024 · €16k
Income taxes
€0▼
2024 · €5k
Staff costs
€825▼
2024 · €2k
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€184k€169k▼
Fixed assets21/28€100k€68k▼
Tangible fixed assets22/27€100k€68k▼
Land and buildings22€15k€14k▼
Plant, machinery and equipment23€23k€14k▼
Furniture and vehicles24€62k€41k▼
Current assets29/58€84k€100k▲
Stocks and contracts in progress3€32k€30k▼
Stocks30/36€17k€16k▼
Contracts in progress37€15k€14k▼
Amounts receivable within one year40/41€12k€14k▲
Trade receivables40€3k€3k▲
Other amounts receivable41€9k€11k▲
Cash at bank and in hand54/58€38k€53k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€184k€169k▼
Equity10/15€111k€102k▼
Contributions10/11€500€500=
Outside capital11€500-
Other1109/19€500-
Reserves13€110k€110k=
Non-distributable reserves130/1€56k€0▼
Reserves not available under the articles1311€56k€0▼
Tax-exempt reserves132€19k€19k=
Distributable reserves133€36k€92k▲
Profit (loss) carried forward14-€-9k
Amounts payable17/49€73k€67k▼
Amounts payable after more than one year17€16k€8k▼
Financial debts170/4€16k€8k▼
Amounts payable within one year42/48€57k€59k▲
Current portion of amounts payable after more than one year42€11k€7k▼
Trade debts44€5k€11k▲
Suppliers440/4€5k€11k▲
Taxes, remuneration and social security45€1k€0▼
Taxes450/3€1k€0▼
Other amounts payable47/48€40k€40k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€825▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€32k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€60k€26k▼
Operating profit (loss)9901€25k€-8k▼
Financial income75/76B€608€352▼
Recurring financial income75€608€352▼
Financial charges65/66B€5k€1k▼
Recurring financial charges65€5k€1k▼
Profit (loss) for the period before taxes9903€21k€-9k▼
Income taxes67/77€5k€0▼
Profit (loss) for the period9904€16k€-9k▼
Profit (loss) for the period to be appropriated9905€16k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-9k▼
Transfer to equity691/2€16k€0▼
To other reserves6921€16k€0▼
The notes to these accounts (5 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €100kEq €111k ▲16.4%
4 profitable years in a row build equity to €111k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-15k ▼433%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
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, Erpe-Mere · 1 establishment unit since 2016
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.
Rooseveltlaan 429420 Erpe-MereGround area
557 m²
Building footprint
114 m²
Volume, LiDAR
611 m³
Parcel 41016C0679/00K000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Joos Steven
since 20162.256.005.016
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016C0679/00K000 | Flanders | 557 m² | 1 · 114 m² | 7.7 m · 2 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
ROVA AANHANGWAGENS
BE 0462.779.575
Arendonk · Eq €101k
BROERS TECHNIEK
BE 0761.908.076
Hoogstraten · Eq €103k
Make Over Build
BE 0837.979.535
Ternat · Eq €103k
GEBLO
BE 0715.412.711
Zonnebeke · Eq €105k
L'AS DE L'EAU
BE 0650.657.588
Lens (Hainaut) · Eq €99k
Of 877 companies in sector 33110 we hold annual accounts for 435. 331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2016
Fiscal year end31-12
Activities, NACEBEL
33110Repair and maintenance of fabricated metal products
42220Construction of utility projects for electricity and telecommunications
43221Plumbing work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.