STEERIM
ActiveSTEERIM has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €427k and a net result of €390k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +61 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency24▲+23
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.23 in 2024), and 83.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
16.8%
Return on assets
15.4%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €427k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
27 d late
2023
28 d late
2022
30 d late
2021
50 d late
2020
27 d late
2019
89 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€427k▲ 1,062%
2024 · €37k
2018: €100k
2019: €105k
2020: €125k
2021: €5k
2022: €26k
2023: €44k
2024: €37k
2018 → 2025
Total assets
€2.54M▲ 12.2%
2024 · €2.26M
2018: €3.39M
2019: €3.29M
2020: €3.14M
2021: €2.57M
2022: €2.47M
2023: €2.40M
2024: €2.26M
2018 → 2025
Net result
€390k
2024 · €-7k
2018: €2k
2019: €5k
2020: €20k
2021: €-111k
2022: €21k
2023: €17k
2024: €-7k
2018 → 2025
Working capital
€44k
2024 · €-529k
2018: €-212k
2019: €-566k
2020: €-387k
2021: €-153k
2022: €-564k
2023: €-528k
2024: €-529k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€26k▲ 418%€44k▲ 65.7%€37k▼ 16.3%€427k▲ 1,062%
Operating result€85k-€80k▼ 5.7%€112k▲ 40.1%€70k▼ 38.0%€612k▲ 778%
Net result€-111k-€21k€17k▼ 18.6%€-7k€390k
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 recovers in 2025; 2025 is 778% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.54M
Fixed assets
€1.83M▼ 13.2%
Current assets
€712k▲ 348%
Equity and liabilities €2.54M
Equity
€427k▲ 1,062%
Provisions
€130k
Debt
€1.98M▼ 11.0%
The debt ratio falls from 98.4% to 78.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€693k▲
2024 · €196k
Cash flow
€471k▲
2024 · €119k
Solvency
16.8%▲
2024 · 1.6%
Current ratio
1.07▲
2024 · 0.23
Quick ratio
1.07▲
2024 · 0.23
Debt / equity
4.64▼
2024 · 60.54
ROE
91.4%▲
2024 · -19.4%
ROA
15.4%▲
2024 · -0.3%
Interest coverage
7.51▲
2024 · 2.55
Debt
€1.98M▼
2024 · €2.23M
Debt ≤ 1 year
€668k▼
2024 · €688k
Debt > 1 year
€1.31M▼
2024 · €1.54M
Income taxes
€-8▼
2024 · €-5
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€2.26M€2.54M▲
Fixed assets21/28€2.10M€1.83M▼
Tangible fixed assets22/27€2.10M€1.83M▼
Land and buildings22€2.01M€1.76M▼
Plant, machinery and equipment23€398€224▼
Furniture and vehicles24€977€3k▲
Other tangible fixed assets26€93k€63k▼
Current assets29/58€159k€712k▲
Amounts receivable within one year40/41€113k€708k▲
Trade receivables40€5k€9k▲
Other amounts receivable41€108k€699k▲
Cash at bank and in hand54/58€44k€4k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€2.26M€2.54M▲
Equity10/15€37k€427k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13-€389k
Tax-exempt reserves132-€389k
Profit (loss) carried forward14€-25k€-23k▲
Provisions and deferred taxes16-€130k
Deferred taxes168-€130k
Amounts payable17/49€2.23M€1.98M▼
Amounts payable after more than one year17€1.54M€1.31M▼
Financial debts170/4€1.53M€1.31M▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€688k€668k▼
Current portion of amounts payable after more than one year42€391k€123k▼
Financial debts43€84k€303k▲
Credit institutions430/8€84k€303k▲
Trade debts44€196k€229k▲
Suppliers440/4€196k€229k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€10k€6k▼
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€519k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€127k€81k▼
Other operating charges640/8€25k€30k▲
Gross operating margin9900€222k€723k▲
Operating profit (loss)9901€70k€612k▲
Financial income75/76B€124€12▼
Recurring financial income75€124€12▼
Financial charges65/66B€77k€92k▲
Recurring financial charges65€77k€92k▲
Profit (loss) for the period before taxes9903€-7k€520k▲
Transfer from deferred taxes780-€23
Transfer to deferred taxes680-€130k
Income taxes67/77€-5€-8▼
Profit (loss) for the period9904€-7k€390k▲
Transfer from tax-exempt reserves789-€70
Transfer to tax-exempt reserves689-€389k
Profit (loss) for the period to be appropriated9905€-7k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€-23k▲
Profit (loss) brought forward from the previous period14P€-18k€-25k▼
The notes to these accounts (13 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €390k
Net result €390k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 1.07
Current ratio from 0.23 to 1.07; short-term debt falls from €688k to €668k.
31-12
Financial
Equity above €200kEq €427k ▲1062%
Equity rises from €37k to €427k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
31-12
Financial
Weakest financial yearnet €-111k ▼647%
Net result drops to €-111k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Sint-Genesius-Rode · 1 establishment unit since 1997
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.
Hallesesteenweg 1581640 Sint-Genesius-RodeGround area
1.1 ha
Building footprint
1,812 m²
Volume, LiDAR
2,584 m³
Parcel 22004D0028/00H005, Flanders · tallest building 4.9 m. Linked by address, not a title deed.
1 establishment unit
Hallesesteenweg 158, 1640 Sint-Genesius-Rode
since 19972.084.432.307
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004D0028/00H005 | Flanders | 1.1 ha | 1 · 1,812 m² | 4.9 m |
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.
Similar companies · same sector, comparable size
PLAN GROUP
BE 0677.677.632
Lokeren · Eq €423k
BOUWONDERNEMING NORRE-DEGRAEVE
BE 0435.286.807
Nieuwpoort · Eq €432k
VELSA
BE 0736.830.509
Lokeren · Eq €434k
NECA
BE 0835.686.375
Arlon · Eq €419k
Eckelmans Projects Tervuren
BE 0546.569.957
Leuven · Eq €418k
Of 1,286 companies in sector 68122 we hold annual accounts for 896. 583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-10-1997
Fiscal year end31-12
Activities, NACEBEL
68122Development of non-residential building projects
68121Development of residential building projects
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.