STEINBACH & CO
ActiveSTEINBACH & CO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €5k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 66% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+28
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.61 against 2.69 in 2024), and 28.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
71.5%
Return on assets
4.1%
Age of the figures
8 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 · 9 filingsDeviation from the deadline
2025
16 d early
2024
7 d late
2023
30 d late
2022
17 d late
2021
30 d late
2020
3 d early
2019
23 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 6.0%
2024 · €80k
2018: €70k
2019: €91k
2020: €109k
2021: €125k
2022: €76k
2023: €83k
2024: €80k
2018 → 2025
Total assets
€119k▲ 0.4%
2024 · €119k
2018: €163k
2019: €139k
2020: €170k
2021: €168k
2022: €139k
2023: €125k
2024: €119k
2018 → 2025
Net result
€5k
2024 · €-2k
2018: €29k
2019: €21k
2020: €18k
2021: €16k
2022: €-19k
2023: €7k
2024: €-2k
2018 → 2025
Working capital
€74k▲ 21.9%
2024 · €61k
2018: €-9k
2019: €21k
2020: €38k
2021: €62k
2022: €21k
2023: €44k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€76k▼ 39.4%€83k▲ 9.1%€80k▼ 2.7%€85k▲ 6.0%
Operating result€23k-€-18k€9k€15▼ 99.8%€7k▲ 51,188%
Net result€16k-€-19k€7k€-2k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 51,188% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€17k▼ 23.9%
Current assets
€102k▲ 5.9%
Equity and liabilities €119k
Equity
€85k▲ 6.0%
Debt
€34k▼ 11.5%
The debt ratio falls from 32.3% to 28.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▲
2024 · €18k
Cash flow
€16k▲
2024 · €16k
Solvency
71.5%▲
2024 · 67.7%
Current ratio
3.61▲
2024 · 2.69
Quick ratio
3.61▲
2024 · 2.69
Debt / equity
0.40▼
2024 · 0.48
ROE
5.7%▲
2024 · -2.8%
ROA
4.1%▲
2024 · -1.9%
Interest coverage
9.13▲
2024 · 7.21
Debt
€34k▼
2024 · €38k
Debt ≤ 1 year
€28k▼
2024 · €36k
Income taxes
€2k▲
2024 · €656
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€119k€119k▲
Fixed assets21/28€22k€17k▼
Intangible fixed assets21€20k€10k▼
Tangible fixed assets22/27€2k€7k▲
Furniture and vehicles24€0€5k▲
Other tangible fixed assets26€2k€2k▼
Current assets29/58€97k€102k▲
Amounts receivable within one year40/41€18k€10k▼
Trade receivables40€10k€7k▼
Other amounts receivable41€8k€4k▼
Current investments50/53€71k€85k▲
Cash at bank and in hand54/58€7k€6k▼
Deferred charges and accrued income490/1€556€696▲
Equity and liabilities
Total equity and liabilities10/49€119k€119k▲
Equity10/15€80k€85k▲
Contributions10/11€19k€19k=
Reserves13€56k€56k=
Distributable reserves133€56k€56k=
Profit (loss) carried forward14€6k€11k▲
Amounts payable17/49€38k€34k▼
Amounts payable within one year42/48€36k€28k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€2k€2k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€28k€22k▼
Accrued charges and deferred income492/3€2k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€11k▼
Other operating charges640/8€942€971▲
Gross operating margin9900€19k€20k▲
Operating profit (loss)9901€15€7k▲
Financial income75/76B€880€1k▲
Recurring financial income75€880€1k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-2k€7k▲
Income taxes67/77€656€2k▲
Profit (loss) for the period9904€-2k€5k▲
Profit (loss) for the period to be appropriated9905€-2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€11k▲
Profit (loss) brought forward from the previous period14P€8k€6k▼
The notes to these accounts (10 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
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Weakest financial yearnet €-19k ▼223%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €109k ▲20.1%
3 profitable years in a row build equity to €109k.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2017
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.
Rue de Spangen 211341 Ottignies-Louvain-la-NeuveGround area
284 m²
Building footprint
57 m²
Volume, LiDAR
451 m³
Parcel 25016A0464/00F006, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STEINBACH & CO
since 20172.259.890.459
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25016A0464/00F006 | Wallonia | 283 m² | 1 · 57 m² | 9.4 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.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 40,165 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.