STEIN VANHOVE
ActiveSTEIN VANHOVE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €414k and a net result of €15k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 63% of 8969 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
83
/ 100
Excellent▼ -3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability18▼-29
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 2.71 in 2023), and 32.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
34 d early
2022
5 d early
2021
3 d early
2020
19 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€414k▼ 11.4%
2023 · €467k
2018: €326k
2019: €435k
2020: €491k
2021: €481k
2022: €424k
2023: €467k
2018 → 2024
Total assets
€612k▲ 1.7%
2023 · €602k
2018: €488k
2019: €617k
2020: €747k
2021: €531k
2022: €580k
2023: €602k
2018 → 2024
Net result
€15k▼ 65.6%
2023 · €44k
2018: €68k
2019: €109k
2020: €107k
2021: €75k
2022: €56k
2023: €44k
2018 → 2024
Working capital
€198k▼ 7.7%
2023 · €215k
2018: €332k
2019: €438k
2020: €442k
2021: €240k
2022: €152k
2023: €215k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€491k-€481k▼ 1.9%€424k▼ 12.0%€467k▲ 10.3%€414k▼ 11.4%
Operating result€167k-€113k▼ 32.6%€81k▼ 28.0%€68k▼ 15.9%€38k▼ 44.3%
Net result€107k-€75k▼ 29.8%€56k▼ 26.2%€44k▼ 21.6%€15k▼ 65.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2024 is 44% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €612k
Fixed assets
€228k▼ 13.0%
Current assets
€385k▲ 12.9%
Equity and liabilities €612k
Equity
€414k▼ 11.4%
Provisions
€0▼ 100%
Debt
€198k▲ 47.9%
The debt ratio rises from 22.2% to 32.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€73k▼
2023 · €104k
Cash flow
€50k▼
2023 · €79k
Solvency
67.7%▼
2023 · 77.6%
Current ratio
2.06▼
2023 · 2.71
Quick ratio
2.06▼
2023 · 2.71
Debt / equity
0.48▲
2023 · 0.29
ROE
3.6%▼
2023 · 9.3%
ROA
2.5%▼
2023 · 7.2%
Interest coverage
5.57▼
2023 · 12.26
Debt
€198k▲
2023 · €134k
Debt ≤ 1 year
€186k▲
2023 · €126k
Income taxes
€11k▼
2023 · €23k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€602k€612k▲
Fixed assets21/28€262k€228k▼
Tangible fixed assets22/27€262k€227k▼
Land and buildings22€246k€221k▼
Plant, machinery and equipment23€924€692▼
Furniture and vehicles24€4k€3k▼
Leasing and similar rights25€10k€3k▼
Financial fixed assets28€250€250=
Current assets29/58€341k€385k▲
Amounts receivable within one year40/41€58k€58k▲
Trade receivables40€56k€58k▲
Other amounts receivable41€1k€281▼
Current investments50/53€4k€200k▲
Cash at bank and in hand54/58€258k€100k▼
Deferred charges and accrued income490/1€21k€26k▲
Equity and liabilities
Total equity and liabilities10/49€602k€612k▲
Equity10/15€467k€414k▼
Contributions10/11€6k€6k=
Reserves13€461k€408k▼
Tax-exempt reserves132€4k-
Distributable reserves133€457k€408k▼
Provisions and deferred taxes16€1k-
Deferred taxes168€1k-
Amounts payable17/49€134k€198k▲
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€126k€186k▲
Current portion of amounts payable after more than one year42€8k€3k▼
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€12k€8k▼
Taxes450/3€12k€8k▼
Other amounts payable47/48€103k€171k▲
Accrued charges and deferred income492/3€5k€12k▲
Income statement
Code20232024
Non-recurring operating income76A-€29
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€35k▼
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€108k€77k▼
Operating profit (loss)9901€68k€38k▼
Financial income75/76B€6k€0▼
Recurring financial income75€6k€0▼
Financial charges65/66B€8k€13k▲
Recurring financial charges65€8k€13k▲
Profit (loss) for the period before taxes9903€65k€25k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€23k€11k▼
Profit (loss) for the period9904€44k€15k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€48k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€19k▼
Transfer from equity791/2-€68k
Transfer to equity691/2€48k€19k▼
To other reserves6921€48k€19k▼
Profit to be distributed694/7-€68k
Return on contributions (dividend)694-€68k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €15k ▼65.6%
Net result drops to €15k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 10.87
Current ratio from 3.01 to 10.87; short-term debt falls from €220k to €24k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €109k ▲60.3%
Net result €109k, the highest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tongeren-Borgloon · 1 establishment unit since 2011
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.
Wilstraat 43700 Tongeren-BorgloonGround area
1,625 m²
Building footprint
270 m²
Volume, LiDAR
2,009 m³
Parcel 73073A0776/00D000, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STEIN VANHOVE
since 20112.203.885.233
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73073A0776/00D000 | Flanders | 1,625 m² | 1 · 270 m² | 11.4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
894500MN4PALKQG1GX46
Similar companies · same sector, comparable size
FACE2FACE
BE 0830.050.477
Oostende · Eq €414k
SILVERGEST
BE 0718.603.120
Sint-Jans-Molenbeek · Eq €414k
NEKO PHARMA
BE 0661.827.337
La Louvière · Eq €414k
EUROPEAN DIABETES FORUM
BE 0745.472.021
Brussel · Eq €415k
FEHRENBACH CONSULT
BE 0846.696.667
La Bruyère · Eq €413k
Of 13,390 companies in sector 73300 we hold annual accounts for 6,881. 4,414 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2011
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.