Summary
STEENHOUT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €4.8m and a net result of -€173,899. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 6166 sector peers (fiscal year 2024). The company has been active since 1989 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
8 d early
2022
18 d early
2021
18 d early
2020
19 d early
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 7 days before 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 (1)
History
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Financials · fiscal year 2024, abbreviated schema
In the rankings
#1 company by total assets in Pajottegem, Finance and insurance sector#1 company by equity in Pajottegem, Finance and insurance sector#5 oldest company in Pajottegem, Finance and insurance sector
Equity
€4.8m▼ 3.5%
2023 · €5.0m
Net result
-€173,899
2023 · €73,875
Total assets
€12.4m▲ 8.2%
2023 · €11.5m
Solvency
39.0%▼ 4.7pp
2023 · 43.8%
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
Line20202021202220232024
Operating result€58,019▲ 20.0%€78,409▲ 35.1%€243,021▲ 210%-€97,953-€64,107▲ 34.6%
Net result€176,495above the sector's middle half▲ 62.9%€182,812above the sector's middle half▲ 3.6%€340,796above the sector's middle half▲ 86.4%€73,875within the sector's middle half▼ 78.3%-€173,899below the sector's middle half
Equity€4.4mabove the sector's middle half▲ 4.2%€4.6mabove the sector's middle half▲ 4.1%€4.9mabove the sector's middle half▲ 7.4%€5.0mabove the sector's middle half▲ 1.5%€4.8mabove the sector's middle half▼ 3.5%
Total assets€9.8mabove the sector's middle half▲ 2.2%€9.9mabove the sector's middle half▲ 1.4%€10.2mabove the sector's middle half▲ 2.7%€11.5mabove the sector's middle half▲ 13.0%€12.4mabove the sector's middle half▲ 8.2%
Debt€5.3m▲ 0.7%€5.3m▼ 0.9%€5.2m▼ 1.5%€6.5m▲ 23.9%€7.6m▲ 17.3%
Working capital€1.4mabove the sector's middle half▲ 10.1%€1.6mabove the sector's middle half▲ 16.7%€1.8mabove the sector's middle half▲ 12.6%€1.4mabove the sector's middle half▼ 23.9%€679,211above the sector's middle half▼ 51.5%
Solvency45.4%within the sector's middle half▲ 0.8pp46.6%within the sector's middle half▲ 1.2pp48.7%within the sector's middle half▲ 2.1pp43.8%within the sector's middle half▼ 5.0pp39.0%within the sector's middle half▼ 4.7pp
Current ratio1.26within the sector's middle half▲ 0.021.31within the sector's middle half▲ 0.051.35within the sector's middle half▲ 0.041.22within the sector's middle half▼ 0.141.09within the sector's middle half▼ 0.12
Return on assets (ROA)1.8%within the sector's middle half▲ 0.7pp1.8%within the sector's middle half=3.4%within the sector's middle half▲ 1.5pp0.6%within the sector's middle half▼ 2.7pp-1.4%below the sector's middle half▼ 2.0pp
Staff (FTE)1.8within the sector's middle half▼ 5.3%2.1within the sector's middle half▲ 16.7%3.5above the sector's middle half▲ 66.7%4.7above the sector's middle half▲ 34.3%3.9above the sector's middle half▼ 17.0%
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 schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €64,107 in 2024 against €97,953 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €12.4m
Fixed assets
€4.4m ▲ 21.2%
Current assets
€8.0m ▲ 2.2%
Equity and liabilities €12.4m
Equity
€4.8m ▼ 3.5%
Debt
€7.6m ▲ 17.3%
Debt's share of the balance-sheet total rises from 56.2% to 61.0%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-3.6%▼
2023 · 1.5%
Debt ≤ 1 year
€7.3m▲
2023 · €6.5m
Income taxes
€520▼
2023 · €1,280
Staff costs
€102,587▼
2023 · €137,193
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €62,555 | €108,582 | €137,193 | €102,587 | ▼ 25.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €148,328 | €95,461 | €108,969 | €111,483 | €226,020 | ▲ 103% |
| Other operating charges640/8 | - | €26,364 | €49,897 | €19,758 | €24,204 | ▲ 22.5% |
| Non-recurring operating charges66A | - | - | - | - | €212,851 | - |
| Gross operating margin9900 | €280,791 | €262,789 | €510,469 | €170,482 | €501,555 | ▲ 194% |
| Operating profit (loss)9901 | €58,019 | €78,409 | €243,021 | -€97,953 | -€64,107 | ▲ 34.6% |
| Financial income75/76B | - | €122,100 | €122,370 | €184,933 | €123,362 | ▼ 33.3% |
| Recurring financial income75 | €123,784 | €122,100 | €122,370 | €184,933 | €123,362 | ▼ 33.3% |
| Financial charges65/66B | - | €7,493 | €10,046 | €11,826 | €232,634 | ▲ 1,867% |
| Recurring financial charges65 | €5,139 | €7,493 | €9,878 | €11,826 | €232,634 | ▲ 1,867% |
| Non-recurring financial charges66B | - | - | €168 | - | - | - |
| Profit (loss) for the period before taxes9903 | €176,665 | €193,015 | €355,345 | €75,155 | -€173,378 | ▼ 331% |
| Income taxes67/77 | €169 | €10,203 | €14,549 | €1,280 | €520 | ▼ 59.3% |
| Profit (loss) for the period9904 | €176,495 | €182,812 | €340,796 | €73,875 | -€173,899 | ▼ 335% |
| Profit (loss) for the period to be appropriated9905 | €176,495 | €182,812 | €340,796 | €73,875 | -€173,899 | ▼ 335% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €9.8m | €9.9m | €10.2m | €11.5m | €12.4m | ▲ 8.2% |
| Fixed assets21/28 | €3.0m | €3.0m | €3.1m | €3.6m | €4.4m | ▲ 21.2% |
| Tangible fixed assets22/27 | €3.0m | €3.0m | €3.1m | €3.6m | €4.4m | ▲ 21.2% |
| Land and buildings22 | - | €2.2m | €2.2m | €2.8m | €3.4m | ▲ 23.8% |
| Plant, machinery and equipment23 | - | €79,149 | €130,356 | €106,335 | €181,193 | ▲ 70.4% |
| Furniture and vehicles24 | - | €676,355 | €762,589 | €737,341 | €769,618 | ▲ 4.4% |
| Financial fixed assets28 | €807 | €807 | - | - | - | - |
| Current assets29/58 | €6.7m | €6.9m | €7.0m | €7.9m | €8.0m | ▲ 2.2% |
| Stocks and contracts in progress3 | €3.1m | €3.1m | €3.1m | €3.1m | €3.1m | = |
| Stocks30/36 | - | €3.1m | €3.1m | €3.1m | €3.1m | = |
| Amounts receivable within one year40/41 | €3.5m | €3.5m | €3.6m | €3.3m | €3.4m | ▲ 2.9% |
| Trade receivables40 | - | €534,485 | €504,101 | €259,011 | €184,378 | ▼ 28.8% |
| Other amounts receivable41 | - | €3.0m | €3.1m | €3.1m | €3.2m | ▲ 5.6% |
| Current investments50/53 | - | - | €246,879 | €1.0m | €1.2m | ▲ 21.2% |
| Cash at bank and in hand54/58 | €67,537 | €269,217 | €117,211 | €394,458 | €156,649 | ▼ 60.3% |
| Deferred charges and accrued income490/1 | - | €795 | €929 | - | €99,915 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €9.8m | €9.9m | €10.2m | €11.5m | €12.4m | ▲ 8.2% |
| Equity10/15 | €4.4m | €4.6m | €4.9m | €5.0m | €4.8m | ▼ 3.5% |
| Contributions10/11 | €13.6m | €13.6m | €13.6m | €13.6m | €13.6m | = |
| Capital10 | - | €13.6m | €13.6m | €13.6m | €13.6m | = |
| Issued capital100 | - | €13.6m | €13.6m | €13.6m | €13.6m | = |
| Reserves13 | €14,584 | €14,584 | €14,584 | €14,584 | €14,584 | = |
| Non-distributable reserves130/1 | - | €14,584 | €14,584 | €14,584 | €14,584 | = |
| Legal reserve130 | - | €14,584 | €14,584 | €14,584 | €14,584 | = |
| Profit (loss) carried forward14 | -€9.2m | -€9.1m | -€8.7m | -€8.6m | -€8.8m | ▼ 2.0% |
| Amounts payable17/49 | €5.3m | €5.3m | €5.2m | €6.5m | €7.6m | ▲ 17.3% |
| Amounts payable within one year42/48 | €5.3m | €5.3m | €5.2m | €6.5m | €7.3m | ▲ 13.9% |
| Trade debts44 | €46,446 | €57,376 | €161,491 | €100,601 | €63,891 | ▼ 36.5% |
| Suppliers440/4 | - | €57,376 | €161,491 | €100,601 | €63,891 | ▼ 36.5% |
| Taxes, remuneration and social security45 | - | €36,146 | €43,112 | €50,304 | €44,394 | ▼ 11.8% |
| Taxes450/3 | - | €30,232 | €31,959 | €38,119 | €34,357 | ▼ 9.9% |
| Remuneration and social security454/9 | - | €5,914 | €11,153 | €12,186 | €10,037 | ▼ 17.6% |
| Other amounts payable47/48 | - | €5.2m | €5.0m | €6.3m | €7.2m | ▲ 14.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €222,137 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €176,495 | €182,812 | €340,796 | €73,875 | -€173,899 | ▼ 335% |
| + Depreciation and write-downs630 | €148,328 | €95,461 | €108,969 | €111,483 | €226,020 | ▲ 103% |
| Operating cash flow (approximation) | €324,823 | €278,273 | €449,765 | €185,358 | €52,121 | ▼ 71.9% |
| Investment in fixed assets (approximation) | - | -€44,685 | -€244,563 | -€624,826 | -€995,144 | ▼ 59.3% |
| Change in cash | - | €201,680 | -€152,006 | €277,247 | -€237,809 | ▼ 186% |
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
2025
15-12
State Gazette act
Reappointments: Dominiek De Clerck (director) and Véronique Santens (director)Appointments: Valérie De Clerck (director) and Véronique Santens (managing director) · Mandate compensation8 facts ▸
State Gazette act
Reappointments: Dominiek De Clerck (director) and Véronique Santens (director)
Appointments: Valérie De Clerck (director) and Véronique Santens (managing director) · Mandate compensation8 facts ▸
- General meeting, 28/06/2025
- Director reappointment, Dominiek De Clerck (director)
- Mandate compensation, Dominiek De Clerck
- Director reappointment, Véronique Santens (director)
- Mandate compensation, Véronique Santens
- Director appointment, Valérie De Clerck (director)
- Mandate compensation, Valérie De Clerck
- Director appointment, Véronique Santens (managing director)
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet -€173,899
Net result drops to -€173,899, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
17-04
State Gazette act
Statutes amendmentCapital4 facts ▸
State Gazette act
Statutes amendment
Capital4 facts ▸
- General meeting, 13 december 2023
- Statutes amendment
- Capital, €13.646.204,45
- Statutes amendment
2023
31-12
Financial
Equity above €5mEq €5.0m ▲1.5%
5 profitable years in a row build equity to €5.0m.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €340,796 ▲86.4%
Operating result €243,021, net result €340,796, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €108,327
Net result €108,327 after one loss-making year.
Show earlier events
09-12
State Gazette act
Reappointments: Véronique SANTENS (director) and Dominiek DE CLERCK (director)5 facts ▸
State Gazette act
Reappointments: Véronique SANTENS (director) and Dominiek DE CLERCK (director)
5 facts ▸
- General meeting, 29/06/2019
- Board meeting, 29/06/2019
- Director reappointment, Véronique SANTENS (director)
- Director reappointment, Dominiek DE CLERCK (director)
- Director reappointment, Véronique SANTENS (managing director)
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
06-05
State Gazette act
Appointment: VASTICOM (director)Permanent representative: VASTICOM3 facts ▸
State Gazette act
Appointment: VASTICOM (director)
Permanent representative: VASTICOM3 facts ▸
- General meeting, 12/04/2019
- Director appointment, VASTICOM (director)
- Permanent representative, VASTICOM
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 35 days late
2016
15-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2013
27-09
State Gazette act
Reappointments: Véronique SANTENS (director) and Dominique DE CLERCK (director)Appointment: BV o.v.v.e. BVBA BOES & Co BEDRIJFSREVISOREN (statutory auditor)6 facts ▸
State Gazette act
Reappointments: Véronique SANTENS (director) and Dominique DE CLERCK (director)
Appointment: BV o.v.v.e. BVBA BOES & Co BEDRIJFSREVISOREN (statutory auditor)6 facts ▸
- General meeting, 29/06/2013
- Board meeting, 29/06/2013
- Director reappointment, Véronique SANTENS (director)
- Director reappointment, Dominique DE CLERCK (director)
- Auditor appointment, BV o.v.v.e. BVBA BOES & Co BEDRIJFSREVISOREN (statutory auditor)
- Director reappointment, Véronique SANTENS (managing director)
2010
28-09
State Gazette act
Appointment: BV o.v.v.e. BVBA BOES & Co BEDRIJFSREVISOREN (statutory auditor)2 facts ▸
State Gazette act
Appointment: BV o.v.v.e. BVBA BOES & Co BEDRIJFSREVISOREN (statutory auditor)
2 facts ▸
- General meeting, 26/06/2010
- Auditor appointment, BV o.v.v.e. BVBA BOES & Co BEDRIJFSREVISOREN (statutory auditor)
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
6 of 6 acts read
Directors · office · real estate
Directors
under verification, no change since 2025
This board is reconstructed from a single act (25157650). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Board 3
Véronique Santens
CurrentDirector · since 29-06-2013
Dominiek De Clerck
CurrentDirector · since 29-06-2019
Valérie De Clerck
CurrentDirector · since 28-06-2025
2 not recently confirmed
Still in office according to the acts, but no act of the last six years confirms the mandate. It has often ended since, in an act we have not read.
Dominique DE CLERCK
Not recently confirmedDirector · since 29-06-2013
VASTICOM
Not recently confirmedDirector · since 12-04-2019 · Private limited company
Day-to-day management 1
Véronique Santens
CurrentManaging director · since 29-06-2013
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Location & real-estate footprint
Registered office, Pajottegem · 1 establishment unit since 1989
Ground area
4,262 m²
Building footprint
473 m²
Volume, LiDAR
4,802 m³
Parcel 23090A0001/11D000, Flanders · tallest building 18.6 m, ±4 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
STEENHOUT
since 19892.044.509.283
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23090A0001/11D000 | Flanders | 4,262 m² | 1 · 473 m² | 18.6 m · 4 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Mandate history
6 people since 2010, 5 in office
- Board
- Day-to-day management
- Statutory auditor
- not recently confirmed
- began earlier
| Name | Functions and periods |
|---|---|
| Véronique Santens |
|
| Dominiek De Clerck |
|
| Valérie De Clerck |
|
| Dominique DE CLERCK |
|
| VASTICOM |
|
| BV o.v.v.e BVBA Boes & Co Bedrijfsrevisoren |
|
Articles of association
Purpose
1. Het geven van commercieel, financieel, fiscaal en juridisch advies. Het ontwikkelen en begeleiden van informatiesystemen. Analyse en/of onderzoek van de toestand en de werking…
Full purpose
1. Het geven van commercieel, financieel, fiscaal en juridisch advies. Het ontwikkelen en begeleiden van informatiesystemen. Analyse en/of onderzoek van de toestand en de werking van een onderneming. Consulting inzake direct marketing, verkoop en ontwikkeling van patenten, licenties, computerprogramma's en marktconcepten in de ruimste betekenis van het woord. 2. Het organiseren van manifestaties en activiteiten ter bevordering van de commerciële activiteiten van bedrijven. 3. De groothandel, te weten, het kopen en verkopen, huren en verhuren van occasiewagens en van wagens die in het normale woordgebruik doorgaan als "Old Timer". 4. De exploitatie van een landbouwbedrijf zoals omschreven in de Pachtwet, inhoudende onder meer het kweken van Brabantse trekpaarden en andere. 5. Het kopen en verkopen van dieren. 6. Het uitvoeren van alle landbouwactiviteiten, alsmede het aankopen, verkopen, verhandelen en ruilen van alle landbouwpro-ducten van welkdanige aard ook en om het even onder welke vorm of hoedanigheid. 7. Het patrimonium, gevormd door de inbrengen en bestaande uit roerende en onroerende goederen, te behouden, in de ruimste zin van het woord, te beheren en oordeelkundig uit te breiden. 8. De aan- en verkoop, ruiling, beheer en valorisatie van geld en geldverbeeldende waarden. 9. De aankoop en verkoop, huring en verhuring van allerlei roerende goederen, alsmede binnenhuisinrichting en alle daarmee verband houdende voorwerpen en activiteiten. 10. Het waarnemen van bestuursmandaten. 11. Het nemen van participaties en deelnemingen in andere ondernemingen alsmede het borgstellen ten overstaan van derden met het oog op commerciële en financiële verhande-lingen voor deze derden. 12. Het verstrekken van leningen en kredieten onder welke vorm ook en voor zover wettelijk toegelaten.
Structure & network
Owners and holdings
1 ownerChain of control
- BERCOFIN
- STEENHOUT
Highest known parent: BERCOFIN. The sources do not say who stands above it.
Owners 1
- BERCOFINparentSourceaccounts BERCOFIN 202594.44%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
3 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
ARDO FOODS
Shared corporate director
→
LOTUS BAKERIES
Shared corporate director
→
TVH Parts Holding
Shared corporate director
→
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Capital and shareholders
Capital over the years
- 17-04-2024 Capital stated in the act · 13,646,204.45 EUR · 8,995 shares
Recognitions · licences · registrations
Legal Entity Identifier
894500EGQFEP0BIUES49
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 8,253 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded24-05-1989
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
01110Growing of cereals (except rice), leguminous crops and oil seeds
01430Raising of horses and other equines
46711Wholesale of cars and light vans (up to 3.5 tonnes)
82300Organisation of conventions and trade shows
E-invoicing
Reachable via Peppol
Peppol ID
0208:0437568483
Also
9925:BE0437568483
Registered
22-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.