Summary
NEXT STEP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €264,806 and a net result of €10,416. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 8074 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 10 filingsDeviation from the deadline
2025
10 d late
2024
26 d late
2023
30 d late
2022
31 d late
2021
23 d late
2020
31 d late
2019
101 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 36 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€264,806▼ 22.7%
2024 · €342,694
Net result
€10,416▼ 87.4%
2024 · €82,728
Total assets
€435,404▼ 5.6%
2024 · €461,441
Solvency
60.8%▼ 13.4pp
2024 · 74.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€44,301▼ 29.0%€39,151▼ 11.6%€71,394▲ 82.4%€99,504▲ 39.4%€18,649▼ 81.3%
Net result€30,277within the sector's middle half▼ 34.6%€27,497within the sector's middle half▼ 9.2%€55,054within the sector's middle half▲ 100%€82,728above the sector's middle half▲ 50.3%€10,416within the sector's middle half▼ 87.4%
Equity€197,415within the sector's middle half▲ 15.2%€216,912within the sector's middle half▲ 9.9%€259,966within the sector's middle half▲ 19.8%€342,694within the sector's middle half▲ 31.8%€264,806within the sector's middle half▼ 22.7%
Total assets€228,290within the sector's middle half▲ 9.5%€247,807within the sector's middle half▲ 8.5%€385,281within the sector's middle half▲ 55.5%€461,441within the sector's middle half▲ 19.8%€435,404within the sector's middle half▼ 5.6%
Debt€30,875▼ 16.9%€30,895▲ 0.1%€125,315▲ 306%€118,747▼ 5.2%€170,598▲ 43.7%
Working capital€195,427▲ 16.0%€215,879▲ 10.5%€120,126▼ 44.4%€202,416▲ 68.5%€149,138▼ 26.3%
Solvency86.5%above the sector's middle half▲ 4.3pp87.5%above the sector's middle half▲ 1.1pp67.5%within the sector's middle half▼ 20.1pp74.3%within the sector's middle half▲ 6.8pp60.8%within the sector's middle half▼ 13.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 falls in 2025; 2025 is 81% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €435,404
Fixed assets
€142,990 ▼ 21.8%
Current assets
€292,414 ▲ 5.0%
Equity and liabilities €435,404
Equity
€264,806 ▼ 22.7%
Debt
€170,598 ▲ 43.7%
Debt's share of the balance-sheet total rises from 25.7% to 39.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
3.9%▼
2024 · 24.1%
ROA
2.4%▼
2024 · 17.9%
Debt ≤ 1 year
€143,276▲
2024 · €76,058
Debt > 1 year
€27,322▼
2024 · €42,690
Income taxes
€8,489▼
2024 · €34,084
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | - | €13,643 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €955 | €955 | €10,318 | €33,310 | €34,089 | ▲ 2.3% |
| Other operating charges640/8 | €508 | €348 | €0 | €772 | €408 | ▼ 47.2% |
| Gross operating margin9900 | €45,764 | €40,453 | €81,712 | €133,585 | €53,146 | ▼ 60.2% |
| Operating profit (loss)9901 | €44,301 | €39,151 | €71,394 | €99,504 | €18,649 | ▼ 81.3% |
| Financial income75/76B | €26 | €416 | €2,916 | €23,269 | €4,698 | ▼ 79.8% |
| Recurring financial income75 | €26 | €416 | €2,916 | €23,269 | €4,698 | ▼ 79.8% |
| Financial charges65/66B | €656 | €624 | €1,917 | €5,961 | €4,443 | ▼ 25.5% |
| Recurring financial charges65 | €656 | €624 | €1,917 | €5,961 | €4,443 | ▼ 25.5% |
| Profit (loss) for the period before taxes9903 | €43,670 | €38,942 | €72,393 | €116,812 | €18,905 | ▼ 83.8% |
| Income taxes67/77 | €13,393 | €11,445 | €17,339 | €34,084 | €8,489 | ▼ 75.1% |
| Profit (loss) for the period9904 | €30,277 | €27,497 | €55,054 | €82,728 | €10,416 | ▼ 87.4% |
| Profit (loss) for the period to be appropriated9905 | €30,277 | €27,497 | €55,054 | €82,728 | €10,416 | ▼ 87.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €228,290 | €247,807 | €385,281 | €461,441 | €435,404 | ▼ 5.6% |
| Fixed assets21/28 | €1,988 | €1,033 | €201,087 | €182,968 | €142,990 | ▼ 21.8% |
| Tangible fixed assets22/27 | €1,988 | €1,033 | €141,087 | €122,968 | €92,990 | ▼ 24.4% |
| Furniture and vehicles24 | €1,988 | €1,033 | €129,296 | €112,367 | €83,580 | ▼ 25.6% |
| Other tangible fixed assets26 | - | - | €11,792 | €10,601 | €9,410 | ▼ 11.2% |
| Financial fixed assets28 | - | - | €60,000 | €60,000 | €50,000 | ▼ 16.7% |
| Current assets29/58 | €226,302 | €246,774 | €184,194 | €278,474 | €292,414 | ▲ 5.0% |
| Amounts receivable within one year40/41 | €66,468 | €85,944 | €5,011 | €19,269 | €2,972 | ▼ 84.6% |
| Trade receivables40 | €23,711 | €52,568 | €1,750 | €19,269 | €0 | ▼ 100% |
| Other amounts receivable41 | €42,757 | €33,376 | €3,261 | €0 | €2,972 | - |
| Current investments50/53 | - | - | €30,000 | €134,707 | €171,686 | ▲ 27.5% |
| Cash at bank and in hand54/58 | €159,834 | €160,830 | €146,632 | €118,348 | €107,282 | ▼ 9.4% |
| Deferred charges and accrued income490/1 | - | - | €2,550 | €6,150 | €10,475 | ▲ 70.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €228,290 | €247,807 | €385,281 | €461,441 | €435,404 | ▼ 5.6% |
| Equity10/15 | €197,415 | €216,912 | €259,966 | €342,694 | €264,806 | ▼ 22.7% |
| Contributions10/11 | €18,600 | €20,460 | €20,460 | €20,460 | €20,460 | = |
| Reserves13 | €174,771 | €192,408 | €235,462 | €318,189 | €240,302 | ▼ 24.5% |
| Non-distributable reserves130/1 | €1,860 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €0 | - | - | - | - |
| Distributable reserves133 | €172,911 | €192,408 | €235,462 | €318,189 | €240,302 | ▼ 24.5% |
| Profit (loss) carried forward14 | €4,044 | €4,044 | €4,044 | €4,044 | €4,044 | = |
| Amounts payable17/49 | €30,875 | €30,895 | €125,315 | €118,747 | €170,598 | ▲ 43.7% |
| Amounts payable after more than one year17 | - | - | €57,332 | €42,690 | €27,322 | ▼ 36.0% |
| Financial debts170/4 | - | - | €57,332 | €42,690 | €27,322 | ▼ 36.0% |
| Amounts payable within one year42/48 | €30,875 | €30,895 | €64,068 | €76,058 | €143,276 | ▲ 88.4% |
| Current portion of amounts payable after more than one year42 | - | - | €13,942 | €14,642 | €15,368 | ▲ 5.0% |
| Trade debts44 | €2,113 | €937 | €1,713 | €1,223 | €3,939 | ▲ 222% |
| Suppliers440/4 | €2,113 | €937 | €1,713 | €1,223 | €3,939 | ▲ 222% |
| Advances received on contracts in progress46 | - | - | - | - | €23 | - |
| Taxes, remuneration and social security45 | €28,762 | €29,958 | €29,828 | €48,287 | €38,056 | ▼ 21.2% |
| Taxes450/3 | €28,762 | €29,958 | €29,828 | €48,287 | €38,056 | ▼ 21.2% |
| Remuneration and social security454/9 | €0 | - | - | - | - | - |
| Other amounts payable47/48 | €0 | - | €18,584 | €11,905 | €85,890 | ▲ 621% |
| Accrued charges and deferred income492/3 | - | - | €3,915 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,277 | €27,497 | €55,054 | €82,728 | €10,416 | ▼ 87.4% |
| + Depreciation and write-downs630 | €955 | €955 | €10,318 | €33,310 | €34,089 | ▲ 2.3% |
| Operating cash flow (approximation) | €31,232 | €28,452 | €65,372 | €116,037 | €44,505 | ▼ 61.6% |
| Investment in fixed assets (approximation) | - | €0 | -€210,373 | -€15,190 | €5,888 | ▲ 139% |
| Change in cash | - | €996 | -€14,197 | -€28,285 | -€11,066 | ▲ 60.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Weakest financial yearnet €10,416 ▼87.4%
Net result drops to €10,416, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €82,728 ▲50.3%
Operating result €99,504, net result €82,728, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200,000Eq €216,912 ▲9.9%
5 profitable years in a row build equity to €216,912.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €150,000Eq €171,418 ▲37%
3 profitable years in a row build equity to €171,418.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Equity above €100,000Eq €125,087 ▲47.8%
2 profitable years in a row build equity to €125,087.
Show earlier events
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 2 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Keerbergen · 1 establishment unit since 2011
Ground area
1,496 m²
Building footprint
163 m²
Volume, LiDAR
1,696 m³
Parcel 24472G0352/00X000, Flanders · tallest building 26.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
NEXT STEP
since 20112.201.349.177
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472G0352/00X000 | Flanders | 1,496 m² | 1 · 163 m² | 26.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,705 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-08-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0838542927
Also
9925:BE0838542927
Registered
14-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.