STEFF-HANN DAK
ActiveThe computed 12-month bankruptcy probability of STEFF-HANN DAK is 2.1% (moderate). The 2025 annual accounts show equity of €47k and a net result of €2k. Equity is growing by ~48.9% per year across the filed fiscal years. Its solvency ranks better than 24% of 27450 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
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-16
Solvency48▲+3
Growth35▼-50
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.17 in 2024; short-term debt: 77.2% of total assets), and 77.2% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
22.8%
Return on assets
0.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 27450 sector peers (2025).
NBB · sector comparisonPosition among 27450 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 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 · 4 filingsDeviation from the deadline
2025
9 d late
2024
138 d late
2023
461 d late
2022
827 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€227k▼ 57.6%
2024 · €535k
2022: €361k
2023: €340k
2024: €535k
2022 → 2025
EBIT margin
2.4%▼ 6.5pp
2024 · 8.9%
2022: 2.3%
2023: 4.5%
2024: 8.9%
2022 → 2025
Net result
€2k▼ 93.8%
2024 · €30k
2022: €5k
2023: €6k
2024: €30k
2022 → 2025
Working capital
€39k▲ 28.9%
2024 · €31k
2022: €4k
2023: €8k
2024: €31k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€361k-€340k▼ 5.8%€535k▲ 57.3%€227k▼ 57.6%
Equity€6k-€15k▲ 151%€45k▲ 197%€47k▲ 4.1%
Operating result€8k-€15k▲ 83.2%€48k▲ 215%€5k▼ 88.6%
Net result€5k-€6k▲ 23.0%€30k▲ 362%€2k▼ 93.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €207k
Fixed assets
€8k▼ 47.7%
Current assets
€199k▼ 5.0%
Equity and liabilities €207k
Equity
€47k▲ 4.1%
Debt
€160k▼ 10.8%
The debt ratio falls from 79.8% to 77.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €53k
Cash flow
€9k▼
2024 · €35k
Solvency
22.8%▲
2024 · 20.2%
Current ratio
1.25▲
2024 · 1.17
Quick ratio
1.25▲
2024 · 1.17
Debt / equity
3.38▼
2024 · 3.95
ROE
4.0%▼
2024 · 66.3%
ROA
0.9%▼
2024 · 13.4%
Interest coverage
14.13▼
2024 · 14.50
Debt
€160k▼
2024 · €179k
Debt ≤ 1 year
€160k▼
2024 · €179k
Income taxes
€3k▼
2024 · €15k
Staff costs
€553▼
2024 · €10k
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€224k€207k▼
Fixed assets21/28€15k€8k▼
Tangible fixed assets22/27€15k€8k▼
Plant, machinery and equipment23€440€263▼
Furniture and vehicles24€14k€7k▼
Current assets29/58€209k€199k▼
Amounts receivable within one year40/41€208k€189k▼
Trade receivables40€158k€169k▲
Other amounts receivable41€50k€20k▼
Cash at bank and in hand54/58€7-
Deferred charges and accrued income490/1€1k€10k▲
Equity and liabilities
Total equity and liabilities10/49€224k€207k▼
Equity10/15€45k€47k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€42k€44k▲
Amounts payable17/49€179k€160k▼
Amounts payable within one year42/48€179k€160k▼
Trade debts44€158k€136k▼
Suppliers440/4€158k€136k▼
Taxes, remuneration and social security45€21k€23k▲
Taxes450/3€21k€23k▲
Income statement
Code20242025
Turnover70€535k€227k▼
Non-recurring operating income76A€9k€8k▼
Goods, raw materials, services and sundry goods60/61€475k€222k▼
Remuneration, social security and pensions62€10k€553▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€6k€599▼
Gross operating margin9900€69k€14k▼
Operating profit (loss)9901€48k€5k▼
Financial income75/76B€474€81▼
Recurring financial income75€474€81▼
Financial charges65/66B€4k€883▼
Recurring financial charges65€4k€883▼
Profit (loss) for the period before taxes9903€45k€5k▼
Income taxes67/77€15k€3k▼
Profit (loss) for the period9904€30k€2k▼
Profit (loss) for the period to be appropriated9905€30k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€44k▲
Profit (loss) brought forward from the previous period14P€12k€42k▲
The notes to these accounts (4 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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼93.8%
Net result drops to €2k, the lowest in the series.
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 138 days late
04-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 461 days late
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 827 days late
2024
31-12
Financial
Highest result since 2022net €30k ▲362%
Operating result €48k, net result €30k, both a record.
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, Vilvoorde · 1 establishment unit 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.
Rooseveltlaan (Franklin) 421800 VilvoordeGround area
579 m²
Building footprint
195 m²
Volume, LiDAR
1,036 m³
2 parcels, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STEFF-HANN DAK
since 20212.319.164.684
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23643G0455/00E002 | Flanders | 306 m² | 1 · 89 m² | - |
| 23078A0046/00B004 | Flanders | 273 m² | 1 · 106 m² | 12.1 m · 3 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.
Similar companies · same sector, comparable size
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GERT POLLING
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Of 8,558 companies in sector 43410 we hold annual accounts for 4,350. 3,644 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.