Steja
ActiveSteja has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208k and a net result of €163k. Equity is growing by ~46.6% per year across the filed fiscal years. Its solvency ranks better than 30% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
75
/ 100
Excellent▼ -25 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency54▼-46
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 3.1 in 2024), and 70.2% 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 →
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
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
29.8%
Return on assets
23.4%
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 11-05-2026, 81 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
81 d early
2024
28 d late
2023
37 d early
2022
42 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€208k▼ 47.4%
2024 · €395k
2022: €62k
2023: €208k
2024: €395k
2022 → 2025
Total assets
€697k▲ 19.4%
2024 · €584k
2022: €97k
2023: €333k
2024: €584k
2022 → 2025
Net result
€163k▼ 12.7%
2024 · €187k
2022: €61k
2023: €145k
2024: €187k
2022 → 2025
Working capital
€151k▼ 61.0%
2024 · €387k
2022: €64k
2023: €194k
2024: €387k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€62k-€208k▲ 233%€395k▲ 90.1%€208k▼ 47.4%
Operating result€85k-€210k▲ 146%€243k▲ 16.1%€217k▼ 10.7%
Net result€61k-€145k▲ 137%€187k▲ 28.7%€163k▼ 12.7%
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 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €697k
Fixed assets
€102k▲ 694%
Current assets
€595k▲ 4.3%
Equity and liabilities €697k
Equity
€208k▼ 47.4%
Debt
€490k▲ 159%
The debt ratio rises from 32.4% to 70.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€229k▼
2024 · €247k
Cash flow
€175k▼
2024 · €190k
Solvency
29.8%▼
2024 · 67.6%
Current ratio
1.34▼
2024 · 3.10
Quick ratio
1.34▼
2024 · 3.10
Debt / equity
2.36▲
2024 · 0.48
ROE
78.6%▲
2024 · 47.4%
ROA
23.4%▼
2024 · 32.0%
Interest coverage
20.78▼
2024 · 58.31
Debt
€490k▲
2024 · €189k
Debt ≤ 1 year
€445k▲
2024 · €184k
Debt > 1 year
€34k
Income taxes
€58k▼
2024 · €59k
Staff costs
€6k▼
2024 · €8k
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€584k€697k▲
Fixed assets21/28€13k€102k▲
Tangible fixed assets22/27€13k€102k▲
Furniture and vehicles24€13k€102k▲
Current assets29/58€571k€595k▲
Amounts receivable within one year40/41€58k€37k▼
Trade receivables40€58k€31k▼
Other amounts receivable41-€6k
Current investments50/53€443k€424k▼
Cash at bank and in hand54/58€68k€132k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€584k€697k▲
Equity10/15€395k€208k▼
Contributions10/11€1k€1k=
Reserves13€394k€207k▼
Distributable reserves133€394k€207k▼
Amounts payable17/49€189k€490k▲
Amounts payable after more than one year17-€34k
Financial debts170/4-€34k
Amounts payable within one year42/48€184k€445k▲
Current portion of amounts payable after more than one year42-€12k
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€131k€58k▼
Taxes450/3€131k€58k▼
Remuneration and social security454/9€638€450▼
Other amounts payable47/48€52k€373k▲
Accrued charges and deferred income492/3€5k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€8k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€12k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€256k€237k▼
Operating profit (loss)9901€243k€217k▼
Financial income75/76B€7k€15k▲
Recurring financial income75€7k€15k▲
Financial charges65/66B€4k€11k▲
Recurring financial charges65€4k€11k▲
Profit (loss) for the period before taxes9903€246k€222k▼
Income taxes67/77€59k€58k▼
Profit (loss) for the period9904€187k€163k▼
Profit (loss) for the period to be appropriated9905€187k€163k▼
Appropriation of the result
Profit (loss) to be appropriated9906€187k€163k▼
Transfer from equity791/2-€187k
Transfer to equity691/2€187k-
To other reserves6921€187k-
Profit to be distributed694/7-€350k
Return on contributions (dividend)694-€350k
The notes to these accounts (6 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
11-09
State Gazette act
General meeting · Director reappointment
Permanent representative · Auditor reappointment
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2022net €187k ▲28.7%
Operating result €243k, net result €187k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €208k ▲233%
2 profitable years in a row build equity to €208k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Deinze · 1 establishment unit since 2022
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.
Emiel Clauslaan 1519800 DeinzeGround area
3,560 m²
Building footprint
329 m²
Parcel 44004C0001/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
Steja
since 20222.331.754.096
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44004C0001/00E000 | Flanders | 3,560 m² | 1 · 329 m² | - |
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
Legal Entity Identifier
6994000W5FAGT43QKS26
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 39,588 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.