Steensand
ActiveThe computed 12-month bankruptcy probability of Steensand is 2.2% (moderate). The 2025 annual accounts show equity of €70k and a net result of €35k. Equity is growing by ~107.7% per year across the filed fiscal years. Its solvency ranks better than 42% of 18173 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-15
Solvency50▲+2
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.36 in 2024; short-term debt: 23.9% and cash: 23.1% of total assets), but 74.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.1%
Return on assets
12.5%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
16 d early
2024
8 d early
2023
1 d early
2022
17 d early
2021
19 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▲ 99.0%
2024 · €35k
2021: €-12k
2022: €-25k
2023: €-1k
2024: €35k
2021 → 2025
Total assets
€279k▲ 82.7%
2024 · €153k
2021: €140k
2022: €117k
2023: €133k
2024: €153k
2021 → 2025
Net result
€35k▼ 4.7%
2024 · €37k
2021: €-22k
2022: €-13k
2023: €23k
2024: €37k
2021 → 2025
Working capital
€34k▲ 76.3%
2024 · €19k
2021: €-13k
2022: €-19k
2023: €-17k
2024: €19k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-12k-€-25k▼ 102%€-1k▲ 94.4%€35k€70k▲ 99.0%
Operating result€-20k-€-7k▲ 67.4%€24k€43k▲ 76.3%€51k▲ 19.0%
Net result€-22k-€-13k▲ 43.8%€23k€37k▲ 56.6%€35k▼ 4.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €279k
Fixed assets
€179k▲ 123%
Current assets
€100k▲ 38.5%
Equity and liabilities €279k
Equity
€70k▲ 99.0%
Debt
€209k▲ 77.8%
The debt ratio falls from 77.0% to 74.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▲
2024 · €58k
Cash flow
€55k▲
2024 · €52k
Solvency
25.1%▲
2024 · 23.0%
Current ratio
1.51▲
2024 · 1.36
Quick ratio
1.36▲
2024 · 1.18
Debt / equity
2.99▼
2024 · 3.34
ROE
49.8%▼
2024 · 104.0%
ROA
12.5%▼
2024 · 23.9%
Interest coverage
9.68▼
2024 · 12.36
Debt
€209k▲
2024 · €118k
Debt ≤ 1 year
€67k▲
2024 · €53k
Debt > 1 year
€142k▲
2024 · €64k
Income taxes
€9k▲
2024 · €2k
Staff costs
€35k▲
2024 · €24k
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€153k€279k▲
Fixed assets21/28€80k€179k▲
Tangible fixed assets22/27€80k€173k▲
Land and buildings22€34k€54k▲
Plant, machinery and equipment23€38k€95k▲
Furniture and vehicles24€326€14k▲
Other tangible fixed assets26€7k€9k▲
Financial fixed assets28€500€6k▲
Current assets29/58€73k€100k▲
Stocks and contracts in progress3€9k€10k▲
Stocks30/36€9k€10k▲
Amounts receivable within one year40/41€5k€24k▲
Trade receivables40€1k€20k▲
Other amounts receivable41€4k€4k=
Cash at bank and in hand54/58€55k€65k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€153k€279k▲
Equity10/15€35k€70k▲
Contributions10/11€10k€10k=
Reserves13€25k€60k▲
Distributable reserves133€25k€60k▲
Amounts payable17/49€118k€209k▲
Amounts payable after more than one year17€64k€142k▲
Financial debts170/4€64k€142k▲
Amounts payable within one year42/48€53k€67k▲
Current portion of amounts payable after more than one year42€11k€20k▲
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€3k€8k▲
Taxes450/3€1k€4k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€34k€35k▲
Income statement
Code20242025
Remuneration, social security and pensions62€24k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€20k▲
Other operating charges640/8€193€311▲
Gross operating margin9900€82k€107k▲
Operating profit (loss)9901€43k€51k▲
Financial income75/76B-€47
Recurring financial income75-€47
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€38k€44k▲
Income taxes67/77€2k€9k▲
Profit (loss) for the period9904€37k€35k▼
Profit (loss) for the period to be appropriated9905€37k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€35k▲
Profit (loss) brought forward from the previous period14P€-11k-
Transfer to equity691/2€25k€35k▲
To other reserves6921€25k€35k▲
The notes to these accounts (11 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €37k ▲56.6%
Net result €37k, the highest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schoten · 2 establishment units 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.
Paalstraat 1642900 SchotenGround area
248 m²
Building footprint
220 m²
Volume, LiDAR
1,433 m³
2 parcels, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Steensand
since 20212.313.267.381
Mick 'n Fish
since 20252.374.007.791
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0109/00G002 | Flanders | 126 m² | 1 · 117 m² | 10.1 m · 2 fl. |
| 11442C0073/00M006 | Flanders | 122 m² | 1 · 102 m² | 9.8 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesSchoten2.313.267.381
Schoten2.374.007.791
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AZERI T.M
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DIVA LVB
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Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 4,673 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2021
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47111Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
47210Retail sale of fruit and vegetables
47222Retail trade
47230Retail trade
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.