STEINER CONCEPT
ActiveThe computed 12-month bankruptcy probability of STEINER CONCEPT is 2.0% (moderate). The 2025 annual accounts show equity of €138k and a net result of €38k. Equity is growing by ~31.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 27676 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+4
Solvency78▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.44 in 2024; short-term debt: 25.6% and cash: 19.9% of total assets), and 46.8% 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
53.2%
Return on assets
14.6%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-03-2026, 30 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 · 5 filingsDeviation from the deadline
2025
30 d late
2024
14 d late
2023
23 d late
2022
1 d early
2021
13 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 25.4%
2024 · €110k
2021: €23k
2022: €64k
2023: €86k
2024: €110k
2021 → 2025
Total assets
€259k▼ 10.2%
2024 · €288k
2021: €243k
2022: €172k
2023: €155k
2024: €288k
2021 → 2025
Net result
€38k▲ 16.9%
2024 · €32k
2021: €20k
2022: €41k
2023: €22k
2024: €32k
2021 → 2025
Working capital
€75k▲ 2.0%
2024 · €74k
2021: €26k
2022: €31k
2023: €49k
2024: €74k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€64k▲ 177%€86k▲ 33.9%€110k▲ 27.9%€138k▲ 25.4%
Operating result€34k-€61k▲ 80.3%€33k▼ 45.8%€38k▲ 15.4%€51k▲ 32.4%
Net result€20k-€41k▲ 105%€22k▼ 46.9%€32k▲ 49.2%€38k▲ 16.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €259k
Fixed assets
€117k▲ 149%
Current assets
€142k▼ 41.3%
Equity and liabilities €259k
Equity
€138k▲ 25.4%
Debt
€121k▼ 32.1%
The debt ratio falls from 61.9% to 46.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▲
2024 · €50k
Cash flow
€51k▲
2024 · €44k
Solvency
53.2%▲
2024 · 38.1%
Current ratio
2.13▲
2024 · 1.44
Quick ratio
2.10▲
2024 · 1.25
Debt / equity
0.88▼
2024 · 1.62
ROE
27.5%▼
2024 · 29.5%
ROA
14.6%▲
2024 · 11.3%
Interest coverage
11.14▲
2024 · 8.95
Debt
€121k▼
2024 · €178k
Debt ≤ 1 year
€66k▼
2024 · €167k
Debt > 1 year
€55k▲
2024 · €11k
Income taxes
€17k▲
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€288k€259k▼
Fixed assets21/28€47k€117k▲
Tangible fixed assets22/27€44k€113k▲
Plant, machinery and equipment23€3k€5k▲
Furniture and vehicles24€2k€5k▲
Leasing and similar rights25€19k€85k▲
Other tangible fixed assets26€19k€19k▼
Financial fixed assets28€3k€4k▲
Current assets29/58€241k€142k▼
Stocks and contracts in progress3€31k€2k▼
Stocks30/36€31k€2k▼
Amounts receivable within one year40/41€201k€82k▼
Trade receivables40€182k€74k▼
Other amounts receivable41€19k€8k▼
Cash at bank and in hand54/58€929€52k▲
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€288k€259k▼
Equity10/15€110k€138k▲
Contributions10/11€500€500=
Reserves13€20k€20k=
Non-distributable reserves130/1€50€50=
Reserves not available under the articles1311€50€50=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€89k€117k▲
Amounts payable17/49€178k€121k▼
Amounts payable after more than one year17€11k€55k▲
Financial debts170/4€11k€55k▲
Amounts payable within one year42/48€167k€66k▼
Current portion of amounts payable after more than one year42€93k€29k▼
Trade debts44€40k€24k▼
Suppliers440/4€40k€24k▼
Advances received on contracts in progress46€18k-
Taxes, remuneration and social security45€9k€3k▼
Taxes450/3€9k€3k▼
Other amounts payable47/48€9k€10k▲
Accrued charges and deferred income492/3€228-
Income statement
Code20242025
Remuneration, social security and pensions62€681-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€261-
Gross operating margin9900€54k€67k▲
Operating profit (loss)9901€38k€51k▲
Financial income75/76B€10k€10k▲
Recurring financial income75€10k€10k▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€43k€55k▲
Income taxes67/77€10k€17k▲
Profit (loss) for the period9904€32k€38k▲
Profit (loss) for the period to be appropriated9905€32k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€98k€127k▲
Profit (loss) brought forward from the previous period14P€65k€89k▲
Profit to be distributed694/7€9k€10k▲
Return on contributions (dividend)694€9k€10k▲
The notes to these accounts (9 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
29-07
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 01/07/2026
- Registered-office move, Résidence DE GAULLE IV, Quai de Gaulle 11, 4020 LIEGE
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
14-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
30-06
Financial
Equity above €100kEq €110k ▲27.9%
4 profitable years in a row build equity to €110k.
23-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2021net €41k ▲105%
Operating result €61k, net result €41k, both a record.
18-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Liège · 1 establishment unit since 2018
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.
Quai de-Gaulle 114020 LiègeGround area
1,116 m²
Building footprint
352 m²
Volume, LiDAR
10,394 m³
Parcel 62816D0009/00F000, Wallonia · tallest building 32.1 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
STEINER CONCEPT
since 20182.283.092.265
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62816D0009/00F000 | Wallonia | 1,116 m² | 1 · 352 m² | 32.1 m · 10 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.
Recognitions · licences · registrations
Recognised contractor
3 categoriesSTEINER CONCEPT SRL45183
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,665 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2018
Fiscal year end30-06
Activities, NACEBEL
43320Joinery installation
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:amenagementmenuiserie@gmail.com
Phone:+32473613521