STEINER & CO
ActiveSummary
STEINER & CO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1.1m) and a net result of €264,574. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 4613 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.99 against 0.18 in 2024; short-term debt: 48.3% and cash: 42.5% of total assets), and equity is negative.
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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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-270.1%
Return on assets
63%
Age of the figures
15 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 4613 sector peers (2025).
NBB · sector comparisonPosition among 4613 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
4 d late
2023
65 d early
2022
2 d late
2021
10 d early
2020
23 d late
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 29 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€264,574▼ 70.9%
2024 · €909,226
Working capital
-€1,114▲ 99.8%
2024 · -€653,858
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,475▲ 61.8%-€10,855▼ 636%-€48,981▼ 351%€904,251€268,858▼ 70.3%
Net result-€1,781within the sector's middle half▲ 58.6%-€17,991within the sector's middle half▼ 910%-€51,998below the sector's middle half▼ 189%€909,226above the sector's middle half€264,574above the sector's middle half▼ 70.9%
Equity-€2.2mbelow the sector's middle half▼ 0.1%-€2.3mbelow the sector's middle half▼ 0.8%-€2.3mbelow the sector's middle half▼ 2.3%-€1.4mbelow the sector's middle half▲ 39.4%-€1.1mbelow the sector's middle half▲ 18.9%
Total assets€144,362below the sector's middle half▼ 1.4%€144,182below the sector's middle half▼ 0.1%€198,178below the sector's middle half▲ 37.4%€749,495within the sector's middle half▲ 278%€419,843below the sector's middle half▼ 44.0%
Debt€2.4m=€2.4m▲ 0.7%€2.5m▲ 4.4%€2.1m▼ 14.3%€1.6m▼ 27.7%
Working capital-€1.0mbelow the sector's middle half▼ 0.2%-€1.0mbelow the sector's middle half▼ 1.8%-€956,570below the sector's middle half▲ 6.2%-€653,858below the sector's middle half▲ 31.6%-€1,114within the sector's middle half▲ 99.8%
Solvency-186.6%below the sector's middle half-270.1%below the sector's middle half▼ 83.5pp
Current ratio0.13below the sector's middle half=0.12below the sector's middle half=0.17below the sector's middle half▲ 0.050.18below the sector's middle half▲ 0.010.99within the sector's middle half▲ 0.82
Return on assets (ROA)-1.2%within the sector's middle half▲ 1.7pp-12.5%below the sector's middle half▼ 11.2pp-26.2%below the sector's middle half▼ 13.8pp121.3%above the sector's middle half▲ 147.5pp63.0%above the sector's middle half▼ 58.3pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 70% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €419,843
Fixed assets
€218,345 ▼ 64.0%
Current assets
€201,498 ▲ 40.9%
Key figures and ratios
Debt to equity
-1.37▲
2024 · -1.54
Debt ≤ 1 year
€202,612▼
2024 · €796,839
Debt > 1 year
€1.4m=
2024 · €1.4m
Income taxes
€0▲
2024 · -€7,924
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,632 companies that looked in July 2024 the way this one looks now, 2.9% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.9%
went bankrupt
4.8%
stopped otherwise
92%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,632 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | - | €923,046 | - | - |
| Non-recurring operating income76A | - | - | - | €923,046 | €297,668 | ▼ 67.8% |
| Operating charges60/66A | - | €10,855 | €48,981 | €18,795 | - | - |
| Services and other goods61 | - | €9,977 | €42,918 | €12,824 | - | - |
| Other operating charges640/8 | - | €878 | €6,064 | €5,971 | €1,380 | ▼ 76.9% |
| Non-recurring operating charges66A | - | - | - | - | €107 | - |
| Gross operating margin9900 | - | - | - | - | €270,346 | - |
| Operating profit (loss)9901 | -€1,475 | -€10,855 | -€48,981 | €904,251 | €268,858 | ▼ 70.3% |
| Financial income75/76B | - | - | - | - | €1 | - |
| Recurring financial income75 | - | - | - | - | €1 | - |
| Financial charges65/66B | - | €6,934 | €2,733 | €2,949 | €4,284 | ▲ 45.3% |
| Recurring financial charges65 | €307 | €6,934 | €2,733 | €2,949 | €4,284 | ▲ 45.3% |
| Debt charges650 | €5 | €6,281 | €1,183 | €1,179 | - | - |
| Other financial charges652/9 | - | €652 | €1,550 | €1,770 | - | - |
| Profit (loss) for the period before taxes9903 | -€1,781 | -€17,789 | -€51,714 | €901,302 | €264,574 | ▼ 70.6% |
| Income taxes67/77 | - | €202 | €284 | -€7,924 | €0 | ▲ 100% |
| Taxes670/3 | - | €202 | €284 | - | - | - |
| Tax adjustments and reversals of tax provisions77 | - | - | - | €7,924 | - | - |
| Profit (loss) for the period9904 | -€1,781 | -€17,991 | -€51,998 | €909,226 | €264,574 | ▼ 70.9% |
| Profit (loss) for the period to be appropriated9905 | -€1,781 | -€17,991 | -€51,998 | €909,226 | €264,574 | ▼ 70.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €144,362 | €144,182 | €198,178 | €749,495 | €419,843 | ▼ 44.0% |
| Fixed assets21/28 | - | - | - | €606,514 | €218,345 | ▼ 64.0% |
| Tangible fixed assets22/27 | - | - | - | €606,514 | €218,345 | ▼ 64.0% |
| Land and buildings22 | - | - | - | €606,514 | €218,345 | ▼ 64.0% |
| Current assets29/58 | €144,362 | €144,182 | €198,178 | €142,981 | €201,498 | ▲ 40.9% |
| Amounts receivable after more than one year29 | - | - | €50,000 | - | €0 | - |
| Trade receivables290 | - | - | €50,000 | - | - | - |
| Other amounts receivable291 | - | - | - | - | €0 | - |
| Amounts receivable within one year40/41 | €16,912 | €18,360 | €22,081 | €17,174 | €23,140 | ▲ 34.7% |
| Trade receivables40 | - | €12,507 | €12,205 | - | €520 | - |
| Other amounts receivable41 | - | €5,852 | €9,876 | €17,174 | €22,620 | ▲ 31.7% |
| Current investments50/53 | €125,000 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €2,450 | €125,822 | €126,096 | €125,807 | €178,357 | ▲ 41.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €144,362 | €144,182 | €198,178 | €749,495 | €419,843 | ▼ 44.0% |
| Equity10/15 | -€2.2m | -€2.3m | -€2.3m | -€1.4m | -€1.1m | ▲ 18.9% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Capital10 | - | €20,000 | €20,000 | €20,000 | - | - |
| Issued capital100 | - | €20,000 | €20,000 | €20,000 | - | - |
| Profit (loss) carried forward14 | -€2.3m | -€2.3m | -€2.3m | -€1.4m | -€1.2m | ▲ 18.6% |
| Amounts payable17/49 | €2.4m | €2.4m | €2.5m | €2.1m | €1.6m | ▼ 27.7% |
| Amounts payable after more than one year17 | €1.2m | €1.2m | €1.4m | €1.4m | €1.4m | = |
| Other amounts payable178/9 | - | €1.2m | €1.4m | €1.4m | €1.4m | = |
| Amounts payable within one year42/48 | €1.1m | €1.2m | €1.2m | €796,839 | €202,612 | ▼ 74.6% |
| Trade debts44 | €245,156 | €245,309 | €272,591 | - | €3,131 | - |
| Suppliers440/4 | - | €245,309 | €272,591 | - | €3,131 | - |
| Taxes, remuneration and social security45 | - | - | - | - | €32 | - |
| Taxes450/3 | - | - | - | - | €32 | - |
| Other amounts payable47/48 | - | €918,789 | €882,157 | €796,839 | €199,450 | ▼ 75.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,781 | -€17,991 | -€51,998 | €909,226 | €264,574 | ▼ 70.9% |
| Operating cash flow (approximation) | -€1,781 | -€17,991 | -€51,998 | €909,226 | €264,574 | ▼ 70.9% |
| Investment in fixed assets (approximation) | - | - | - | - | €388,169 | - |
| Change in cash | - | €123,372 | €274 | -€289 | €52,550 | ▲ 18,266% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2024
30-06
Financial
Back to profitnet €909,226
Net result €909,226 after 5 loss-making years.
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
30-06
Financial
Weakest financial yearnet -€51,998
Net result drops to -€51,998, the lowest in the series; recovery starts the following year.
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 2 days late
2022
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 92 days late
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 117 days late
2017
11-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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-Gillis (bij-Brussel) · 1 establishment unit since 2008
Ground area
707 m²
Building footprint
529 m²
Volume, LiDAR
5,959 m³
2 parcels, Brussels, Wallonia · tallest building 24.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Emile Limauge (G.) 98, 7011 Mons
since 20082.171.827.030
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0011/00R005 | Brussels | 529 m² | 1 · 529 m² | 24.6 m · 3 fl. |
| 53030B0241/00B006 | Wallonia | 178 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,294 companies in sector 68122 we hold annual accounts for 904. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-06-2008
Fiscal year end30-06
Activities, NACEBEL 2025
68122Development of non-residential building projects
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0898417364
Also
9925:BE0898417364
Registered
28-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.