STEEGMANS PETRA
ActiveSTEEGMANS PETRA has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €-2k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 77% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-10
Solvency92▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.3 against 3.78 in 2024; short-term debt: 30.1% and cash: 1.2% of total assets), and 33.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
66.6%
Return on assets
-3.4%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
20 d early
2023
6 d early
2022
7 d early
2021
52 d early
2020
12 d early
2019
27 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▼ 4.9%
2024 · €38k
2018: €17k
2019: €22k
2020: €38k
2021: €42k
2022: €40k
2023: €37k
2024: €38k
2018 → 2025
Total assets
€54k▼ 5.4%
2024 · €57k
2018: €78k
2019: €79k
2020: €81k
2021: €69k
2022: €67k
2023: €68k
2024: €57k
2018 → 2025
Net result
€-2k
2024 · €491
2018: €7k
2019: €5k
2020: €17k
2021: €4k
2022: €-2k
2023: €-3k
2024: €491
2018 → 2025
Working capital
€37k▼ 9.6%
2024 · €41k
2018: €10k
2019: €16k
2020: €32k
2021: €38k
2022: €37k
2023: €43k
2024: €41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€40k▼ 4.7%€37k▼ 7.3%€38k▲ 1.3%€36k▼ 4.9%
Operating result€4k-€-2k€-2k▼ 39.0%€-409▲ 82.7%€-2k▼ 280%
Net result€4k-€-2k€-3k▼ 46.9%€491€-2k
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 €2k in 2025 against €409 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€518▼ 48.0%
Current assets
€54k▼ 4.6%
Equity and liabilities €54k
Equity
€36k▼ 4.9%
Debt
€18k▼ 6.3%
The debt ratio falls from 33.8% to 33.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-1k▼
2024 · €305
Cash flow
€-1k▼
2024 · €1k
Solvency
66.6%▲
2024 · 66.2%
Current ratio
3.30▼
2024 · 3.78
Quick ratio
0.07▼
2024 · 0.40
Debt / equity
0.50▼
2024 · 0.51
ROE
-5.1%▼
2024 · 1.3%
ROA
-3.4%▼
2024 · 0.9%
Interest coverage
-3.13▼
2024 · 0.49
Debt
€18k▼
2024 · €19k
Debt ≤ 1 year
€16k▲
2024 · €15k
Debt > 1 year
€2k▼
2024 · €4k
Staff costs
€0▼
2024 · €49
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€57k€54k▼
Fixed assets21/28€995€518▼
Tangible fixed assets22/27€747€270▼
Plant, machinery and equipment23€747€270▼
Financial fixed assets28€248€248=
Current assets29/58€56k€54k▼
Stocks and contracts in progress3€50k€52k▲
Stocks30/36€50k€52k▲
Amounts receivable within one year40/41€78€432▲
Trade receivables40€0€432▲
Other amounts receivable41€78€0▼
Cash at bank and in hand54/58€6k€624▼
Deferred charges and accrued income490/1€239€0▼
Equity and liabilities
Total equity and liabilities10/49€57k€54k▼
Equity10/15€38k€36k▼
Contributions10/11€19k€19k=
Reserves13€22k€22k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€-2k€-4k▼
Amounts payable17/49€19k€18k▼
Amounts payable after more than one year17€4k€2k▼
Financial debts170/4€4k€2k▼
Amounts payable within one year42/48€15k€16k▲
Current portion of amounts payable after more than one year42€2k€3k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€3k€793▼
Taxes450/3€2k€793▼
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48€7k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€49€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€714€477▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€1k€66▼
Operating profit (loss)9901€-409€-2k▼
Financial income75/76B€2k€53▼
Recurring financial income75€2k€53▼
Financial charges65/66B€624€344▼
Recurring financial charges65€624€344▼
Profit (loss) for the period before taxes9903€491€-2k▼
Profit (loss) for the period9904€491€-2k▼
Profit (loss) for the period to be appropriated9905€491€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-4k▼
Profit (loss) brought forward from the previous period14P€-3k€-2k▲
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €491
Net result €491 after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €17k ▲255%
Operating result €17k, net result €17k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
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, Heusden-Zolder · 1 establishment unit since 1996
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.
Koolmijnlaan 433550 Heusden-ZolderGround area
260 m²
Building footprint
105 m²
Volume, LiDAR
975 m³
Parcel 71025A1063/00E003, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EXTREME
since 19962.077.002.602
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A1063/00E003 | Flanders | 259 m² | 1 · 105 m² | 11.9 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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Of 519 companies in sector 47714 we hold annual accounts for 263. 211 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-1996
Fiscal year end31-12
Activities, NACEBEL
47714Retail trade
52425
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.