MY NEXT STEP
ActiveMY NEXT STEP has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €-29k. Equity is growing by ~28% per year across the filed fiscal years. Its solvency ranks better than 76% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.87 against 11.25 in 2024; short-term debt: 20.5% and cash: 77.9% of total assets), and 20.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.5%
Return on assets
-47.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-29k
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 17-07-2026, 14 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
14 d early
2024
21 d late
2023
19 d late
2022
46 d early
2021
24 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▼ 43.6%
2024 · €85k
2021: €19k
2022: €45k
2023: €99k
2024: €85k
2021 → 2025
Total assets
€60k▼ 35.3%
2024 · €93k
2021: €35k
2022: €66k
2023: €145k
2024: €93k
2021 → 2025
Net result
€-29k▼ 102%
2024 · €-14k
2021: €14k
2022: €27k
2023: €56k
2024: €-14k
2021 → 2025
Working capital
€48k▼ 43.3%
2024 · €84k
2021: €19k
2022: €43k
2023: €98k
2024: €84k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€45k▲ 134%€99k▲ 118%€85k▼ 14.3%€48k▼ 43.6%
Operating result€19k-€34k▲ 81.0%€71k▲ 112%€-12k€-26k▼ 121%
Net result€14k-€27k▲ 85.2%€56k▲ 107%€-14k€-29k▼ 102%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €26k in 2025 against €12k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€71▼ 87.0%
Current assets
€60k▼ 35.0%
Equity and liabilities €60k
Equity
€48k▼ 43.6%
Debt
€12k▲ 50.2%
The debt ratio rises from 8.8% to 20.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-26k▼
2024 · €-11k
Cash flow
€-28k▼
2024 · €-13k
Solvency
79.5%▼
2024 · 91.2%
Current ratio
4.87▼
2024 · 11.25
Quick ratio
4.87▼
2024 · 11.25
Debt / equity
0.26▲
2024 · 0.10
ROE
-59.7%▼
2024 · -16.6%
ROA
-47.4%▼
2024 · -15.2%
Interest coverage
-11.40▼
2024 · -4.67
Debt
€12k▲
2024 · €8k
Debt ≤ 1 year
€12k▲
2024 · €8k
Income taxes
€152▲
2024 · €-210
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€93k€60k▼
Fixed assets21/28€545€71▼
Tangible fixed assets22/27€545€71▼
Furniture and vehicles24€545€71▼
Current assets29/58€93k€60k▼
Amounts receivable within one year40/41€5k€12k▲
Trade receivables40€4k€4k▲
Other amounts receivable41€991€8k▲
Cash at bank and in hand54/58€87k€47k▼
Deferred charges and accrued income490/1€333€1k▲
Equity and liabilities
Total equity and liabilities10/49€93k€60k▼
Equity10/15€85k€48k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€80k€43k▼
Amounts payable17/49€8k€12k▲
Amounts payable within one year42/48€8k€12k▲
Trade debts44€73€660▲
Suppliers440/4€73€660▲
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€7k€11k▲
Other amounts payable47/48€2k€878▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€746€549▼
Other operating charges640/8€476€578▲
Gross operating margin9900€-11k€-25k▼
Operating profit (loss)9901€-12k€-26k▼
Financial income75/76B€9€216▲
Recurring financial income75€9€216▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-14k€-28k▼
Income taxes67/77€-210€152▲
Profit (loss) for the period9904€-14k€-29k▼
Profit (loss) for the period to be appropriated9905€-14k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€51k▼
Profit (loss) brought forward from the previous period14P€94k€80k▼
Profit to be distributed694/7-€8k
Return on contributions (dividend)694-€8k
The notes to these accounts (6 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series.
15-10
State Gazette act
General meeting · Director resignation
Director appointment
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 11.25
Current ratio from 3.12 to 11.25; short-term debt falls from €46k to €8k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Highest result since 2021net €56k ▲107%
Operating result €71k, net result €56k, both a record.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-09
State Gazette act
General meeting · Director resignation
Director appointment
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB 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, Wavre · 1 establishment unit since 2021
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.
Avenue de Nivelles 231300 WavreGround area
6,960 m²
Building footprint
1,585 m²
Volume, LiDAR
8,302 m³
2 parcels, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MY NEXT STEP
since 20212.321.387.964
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112C0005/00C002 | Wallonia | 6,085 m² | 1 · 1,489 m² | 7.0 m · 2 fl. |
| 25055A0207/00A004 | Wallonia | 875 m² | 1 · 96 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 partyMY NEXT STEPBE 0772.604.406
controls
Where this company holds controlthis company sits on their board1
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,945 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-08-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:axelle@mynextstep.be