Kay Stevens

Active

Private limited companyfounded 20215 yrs activeVlasbrei (Mol) 5, 3640 Kinrooi, BelgiumKBO/BCE: BE 0770.387.064

The computed 12-month bankruptcy probability of Kay Stevens is 2.3% (moderate). The 2024 annual accounts show equity of €236k and a net result of €91k. Equity is growing by ~59.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 5896 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

63 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability88▼-2

Solvency64▲+9

Growth78=

Track record94

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €14k at 30 days acceptable

Liquidity ample (current ratio 1.62 against 1.46 in 2023; short-term debt: 15.3% and cash: 4.9% of total assets), but 60.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 81

Relative position

BE, all sectors

reference

Sector 81

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

27 d early

2023

8 d early

2022

30 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€236k▲ 63.0%

2023 · €145k

2022: €65k 2023: €145k

2022 → 2024

Total assets

€605k▲ 26.1%

2023 · €480k

2022: €217k 2023: €480k

2022 → 2024

Net result

€91k▲ 13.8%

2023 · €80k

2022: €60k 2023: €80k

2022 → 2024

Working capital

€57k▲ 4.8%

2023 · €54k

2022: €20k 2023: €54k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€65k-€145k▲ 124%€236k▲ 63.0%

Operating result€74k-€106k▲ 42.8%€127k▲ 19.5%

Net result€60k-€80k▲ 34.3%€91k▲ 13.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2024 is 20% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €605k

75.3%

24.7%

Fixed assets €456k▲ 48.3%

Current assets €149k▼ 13.4%

Equity and liabilities €605k

39.1%

60.9%

Equity €236k▲ 63.0%

Debt €369k▲ 10.2%

The debt ratio falls from 69.8% to 60.9%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€242k▲

2023 · €229k

Cash flow

€207k▲

2023 · €203k

Solvency

39.1%▲

2023 · 30.2%

Current ratio

1.62▲

2023 · 1.46

Quick ratio

1.62▲

2023 · 1.46

Debt / equity

1.56▼

2023 · 2.31

ROE

38.7%▼

2023 · 55.3%

ROA

15.1%▼

2023 · 16.7%

Interest coverage

20.81▼

2023 · 36.74

Debt

€369k▲

2023 · €335k

Debt ≤ 1 year

€92k▼

2023 · €118k

Debt > 1 year

€276k▲

2023 · €216k

Income taxes

€24k▲

2023 · €20k

Staff costs

€47k▲

2023 · €47k

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€480k€605k▲

Fixed assets21/28€307k€456k▲

Intangible fixed assets21-€22k

Tangible fixed assets22/27€307k€434k▲

Land and buildings22-€189k

Plant, machinery and equipment23€63k€76k▲

Furniture and vehicles24€78k€55k▼

Leasing and similar rights25€165k€114k▼

Current assets29/58€173k€149k▼

Amounts receivable within one year40/41€91k€120k▲

Trade receivables40€80k€99k▲

Other amounts receivable41€11k€21k▲

Cash at bank and in hand54/58€82k€30k▼

Equity and liabilities

Total equity and liabilities10/49€480k€605k▲

Equity10/15€145k€236k▲

Contributions10/11€5k€5k=

Reserves13€140k€231k▲

Distributable reserves133€140k€231k▲

Amounts payable17/49€335k€369k▲

Amounts payable after more than one year17€216k€276k▲

Financial debts170/4€130k€223k▲

Other amounts payable178/9€86k€53k▼

Amounts payable within one year42/48€118k€92k▼

Current portion of amounts payable after more than one year42€48k€58k▲

Financial debts43€13k€9k▼

Credit institutions430/8€13k€9k▼

Trade debts44€51k€21k▼

Suppliers440/4€51k€21k▼

Taxes, remuneration and social security45€6k€5k▼

Taxes450/3€5k€4k▼

Remuneration and social security454/9€2k€1k▼

Income statement Code20232024

Remuneration, social security and pensions62€47k€47k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€123k€115k▼

Other operating charges640/8€614€2k▲

Gross operating margin9900€277k€291k▲

Operating profit (loss)9901€106k€127k▲

Financial income75/76B€161€4▼

Recurring financial income75€161€4▼

Financial charges65/66B€6k€12k▲

Recurring financial charges65€6k€12k▲

Profit (loss) for the period before taxes9903€100k€115k▲

Income taxes67/77€20k€24k▲

Profit (loss) for the period9904€80k€91k▲

Profit (loss) for the period to be appropriated9905€80k€91k▲

Appropriation of the result

Profit (loss) to be appropriated9906€80k€91k▲

Transfer to equity691/2€80k€91k▲

To other reserves6921€80k€91k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

2025

04-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2022net €91k ▲13.8%

Operating result €127k, net result €91k, both a record.

31-12

Financial Equity above €200kEq €236k ▲63%

3 profitable years in a row build equity to €236k.

23-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €100kEq €145k ▲124%

2 profitable years in a row build equity to €145k.

01-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Kinrooi · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Vlasbrei (Mol) 53640 Kinrooi

Ground area

1,720 m²

Building footprint

139 m²

Parcel 72023D1352/00C000, Flanders. Linked by address, not a title deed.

1 establishment unit

TUINWERKEN STEVENS

Vlasbrei (Mol) 5, 3640 KinrooiSupport activities for crop production

since 20212.318.880.317

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72023D1352/00C000	Flanders	1,720 m²	1 · 139 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

2023 to 2024 · 3 entries · 781 EUR awarded · 1,104 EUR paid

Year	Entries	awarded	paid
2024	2	781 EUR	539 EUR
2023	1	0 EUR	565 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 611 EUR · 934 EUR paid · Fonds voor Innoveren en Ondernemen

Vlaams opleidingsverlof (VOV)

1 entry · 170 EUR · 170 EUR paid · Departement Werk en Sociale Economie

Similar companies · same sector, comparable size

Espaces Verts Deckers

BE 0414.579.879

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HDR Garden

BE 0885.242.190

Haaltert · Eq €237k

Entreprise Thibaud MOURAUX

Oud-Heverlee · Eq €236k

Of 21,210 companies in sector 81300 we hold annual accounts for 4,359. 3,276 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-06-2021

Fiscal year end31-12

Activities, NACEBEL

81300Landscape service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.