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 €265k and a net result of €10k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 8023 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 health 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.
Credit advice for your own amount and term
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 →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€265k▼ 22.7%
2024 · €343k
2018: €85k
2019: €125k
2020: €171k
2021: €197k
2022: €217k
2023: €260k
2024: €343k
2018 → 2025
Net result
€10k▼ 87.4%
2024 · €83k
2018: €44k
2019: €40k
2020: €46k
2021: €30k
2022: €27k
2023: €55k
2024: €83k
2018 → 2025
Total assets
€435k▼ 5.6%
2024 · €461k
2018: €132k
2019: €194k
2020: €209k
2021: €228k
2022: €248k
2023: €385k
2024: €461k
2018 → 2025
Solvency
60.8%▼ 13.4pp
2024 · 74.3%
2018: 64.1%
2019: 64.5%
2020: 82.2%
2021: 86.5%
2022: 87.5%
2023: 67.5%
2024: 74.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€197k-€217k▲ 9.9%€260k▲ 19.8%€343k▲ 31.8%€265k▼ 22.7%
Operating result€44k-€39k▼ 11.6%€71k▲ 82.4%€100k▲ 39.4%€19k▼ 81.3%
Net result€30k-€27k▼ 9.2%€55k▲ 100%€83k▲ 50.3%€10k▼ 87.4%
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 €435k
Fixed assets
€143k ▼ 21.8%
Current assets
€292k ▲ 5.0%
Equity and liabilities €435k
Equity
€265k ▼ 22.7%
Debt
€171k ▲ 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
€143k▲
2024 · €76k
Debt > 1 year
€27k▼
2024 · €43k
Income taxes
€8k▼
2024 · €34k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€461k€435k▼
Fixed assets21/28€183k€143k▼
Tangible fixed assets22/27€123k€93k▼
Furniture and vehicles24€112k€84k▼
Other tangible fixed assets26€11k€9k▼
Financial fixed assets28€60k€50k▼
Current assets29/58€278k€292k▲
Amounts receivable within one year40/41€19k€3k▼
Trade receivables40€19k€0▼
Other amounts receivable41€0€3k▲
Current investments50/53€135k€172k▲
Cash at bank and in hand54/58€118k€107k▼
Deferred charges and accrued income490/1€6k€10k▲
Equity and liabilities
Total equity and liabilities10/49€461k€435k▼
Equity10/15€343k€265k▼
Contributions10/11€20k€20k=
Reserves13€318k€240k▼
Distributable reserves133€318k€240k▼
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€119k€171k▲
Amounts payable after more than one year17€43k€27k▼
Financial debts170/4€43k€27k▼
Amounts payable within one year42/48€76k€143k▲
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Advances received on contracts in progress46-€23
Taxes, remuneration and social security45€48k€38k▼
Taxes450/3€48k€38k▼
Other amounts payable47/48€12k€86k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€34k▲
Other operating charges640/8€772€408▼
Gross operating margin9900€134k€53k▼
Operating profit (loss)9901€100k€19k▼
Financial income75/76B€23k€5k▼
Recurring financial income75€23k€5k▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€117k€19k▼
Income taxes67/77€34k€8k▼
Profit (loss) for the period9904€83k€10k▼
Profit (loss) for the period to be appropriated9905€83k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€14k▼
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2-€88k
Transfer to equity691/2€83k€10k▼
To other reserves6921€83k€10k▼
Profit to be distributed694/7€0€88k▲
Return on contributions (dividend)694-€88k
Directors or managers695€0-
The notes to these accounts (10 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Weakest financial yearnet €10k ▼87.4%
Net result drops to €10k, 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 €83k ▲50.3%
Operating result €100k, net result €83k, 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 €200kEq €217k ▲9.9%
5 profitable years in a row build equity to €217k.
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 €150kEq €171k ▲37%
3 profitable years in a row build equity to €171k.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Equity above €100kEq €125k ▲47.8%
2 profitable years in a row build equity to €125k.
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.
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
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.
Dijlezicht 73140 KeerbergenGround 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.
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
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.
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KDR CONSULTING
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BARKER
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,693 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.