STEP+
ActiveSummary
STEP+ has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €630,478 and a net result of €14,230. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 55% of 8737 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-4
Solvency83▼-5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity short (current ratio 0.85 against 0.81 in 2024; short-term debt: 35.6% and cash: 2.6% of total assets), and 41.7% of the assets are financed with debt.
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Signals
Five 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
58.3%
Return on assets
1.3%
Age of the figures
9 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
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
6 d early
2023
1 d early
2022
17 d early
2021
11 d early
2020
12 d late
2019
14 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 6 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14,230▼ 66.9%
2024 · €42,949
Working capital
-€58,698▼ 8.6%
2024 · -€54,028
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€68,752▲ 20.7%€41,729▼ 39.3%€45,468▲ 9.0%€60,976▲ 34.1%€20,789▼ 65.9%
Net result€47,577▲ 20.4%€29,291▼ 38.4%€31,857▲ 8.8%€42,949▲ 34.8%€14,230▼ 66.9%
Equity€512,152▲ 10.2%€541,443▲ 5.7%€573,300▲ 5.9%€616,248▲ 7.5%€630,478▲ 2.3%
Total assets€874,880▼ 0.1%€901,887▲ 3.1%€921,094▲ 2.1%€980,913▲ 6.5%€1.1m▲ 10.2%
Debt€362,729▼ 11.8%€360,444▼ 0.6%€347,794▼ 3.5%€364,665▲ 4.9%€450,181▲ 23.5%
Working capital-€85,262▲ 12.2%-€83,058▲ 2.6%-€74,089▲ 10.8%-€54,028▲ 27.1%-€58,698▼ 8.6%
Staff (FTE)0
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 66% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€755,000 =
Current assets
€325,659 ▲ 44.2%
Equity and liabilities €1.1m
Equity
€630,478 ▲ 2.3%
Debt
€450,181 ▲ 23.5%
Debt's share of the balance-sheet total rises from 37.2% to 41.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20,789▼
2024 · €65,388
Cash flow
€14,230▼
2024 · €47,361
Current ratio
0.85▲
2024 · 0.81
Debt to equity
0.71▲
2024 · 0.59
ROE
2.3%▼
2024 · 7.0%
ROA
1.3%▼
2024 · 4.4%
Interest coverage
54.26▼
2024 · 8245.71
Debt ≤ 1 year
€384,357▲
2024 · €279,941
Debt > 1 year
€65,824▼
2024 · €84,724
Income taxes
€6,181▼
2024 · €18,019
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,413 | €4,413 | €4,413 | €4,413 | €0 | ▼ 100% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €1,250 | €0 | - | - | - | - |
| Other operating charges640/8 | €1,308 | €868 | €1,180 | €1,234 | €566 | ▼ 54.1% |
| Non-recurring operating charges66A | €1,700 | €0 | - | - | - | - |
| Gross operating margin9900 | €77,422 | €47,009 | €51,061 | €66,622 | €21,355 | ▼ 67.9% |
| Operating profit (loss)9901 | €68,752 | €41,729 | €45,468 | €60,976 | €20,789 | ▼ 65.9% |
| Financial income75/76B | - | - | €0 | €0 | €5 | - |
| Recurring financial income75 | - | - | €0 | €0 | €5 | - |
| Financial charges65/66B | €242 | €174 | €64 | €8 | €383 | ▲ 4,732% |
| Recurring financial charges65 | €242 | €174 | €64 | €8 | €383 | ▲ 4,732% |
| Profit (loss) for the period before taxes9903 | €68,510 | €41,555 | €45,404 | €60,968 | €20,410 | ▼ 66.5% |
| Income taxes67/77 | €20,933 | €12,264 | €13,547 | €18,019 | €6,181 | ▼ 65.7% |
| Profit (loss) for the period9904 | €47,577 | €29,291 | €31,857 | €42,949 | €14,230 | ▼ 66.9% |
| Profit (loss) for the period to be appropriated9905 | €47,577 | €29,291 | €31,857 | €42,949 | €14,230 | ▼ 66.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €874,880 | €901,887 | €921,094 | €980,913 | €1.1m | ▲ 10.2% |
| Fixed assets21/28 | €768,238 | €763,825 | €759,413 | €755,000 | €755,000 | = |
| Tangible fixed assets22/27 | €13,238 | €8,825 | €4,413 | €0 | - | - |
| Furniture and vehicles24 | €13,238 | €8,825 | €4,413 | €0 | - | - |
| Financial fixed assets28 | €755,000 | €755,000 | €755,000 | €755,000 | €755,000 | = |
| Current assets29/58 | €106,643 | €138,062 | €161,681 | €225,913 | €325,659 | ▲ 44.2% |
| Amounts receivable within one year40/41 | €66,473 | €127,723 | €145,832 | €193,196 | €297,703 | ▲ 54.1% |
| Trade receivables40 | €66,473 | €126,855 | €145,814 | €190,264 | €297,703 | ▲ 56.5% |
| Other amounts receivable41 | €0 | €868 | €18 | €2,932 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €40,170 | €10,339 | €15,849 | €32,717 | €27,957 | ▼ 14.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €874,880 | €901,887 | €921,094 | €980,913 | €1.1m | ▲ 10.2% |
| Equity10/15 | €512,152 | €541,443 | €573,300 | €616,248 | €630,478 | ▲ 2.3% |
| Contributions10/11 | €205,000 | €205,000 | €205,000 | €205,000 | €205,000 | = |
| Reserves13 | €162,013 | €191,304 | €223,161 | €266,109 | €280,339 | ▲ 5.3% |
| Non-distributable reserves130/1 | €11,003 | €11,003 | €0 | - | - | - |
| Reserves not available under the articles1311 | €11,003 | €11,003 | €0 | - | - | - |
| Distributable reserves133 | €151,010 | €180,301 | €223,161 | €266,109 | €280,339 | ▲ 5.3% |
| Profit (loss) carried forward14 | €145,139 | €145,139 | €145,139 | €145,139 | €145,139 | = |
| Amounts payable17/49 | €362,729 | €360,444 | €347,794 | €364,665 | €450,181 | ▲ 23.5% |
| Amounts payable after more than one year17 | €170,824 | €139,324 | €112,024 | €84,724 | €65,824 | ▼ 22.3% |
| Other amounts payable178/9 | €170,824 | €139,324 | €112,024 | €84,724 | €65,824 | ▼ 22.3% |
| Amounts payable within one year42/48 | €191,905 | €221,120 | €235,770 | €279,941 | €384,357 | ▲ 37.3% |
| Trade debts44 | €56,043 | €82,345 | €94,713 | €94,074 | €143,481 | ▲ 52.5% |
| Suppliers440/4 | €56,043 | €82,345 | €94,713 | €94,074 | €143,481 | ▲ 52.5% |
| Taxes, remuneration and social security45 | €41,629 | €38,730 | €29,150 | €30,075 | €52,718 | ▲ 75.3% |
| Taxes450/3 | €41,629 | €38,730 | €29,150 | €30,075 | €52,718 | ▲ 75.3% |
| Other amounts payable47/48 | €94,233 | €100,045 | €111,907 | €155,792 | €188,159 | ▲ 20.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47,577 | €29,291 | €31,857 | €42,949 | €14,230 | ▼ 66.9% |
| + Depreciation and write-downs630 | €4,413 | €4,413 | €4,413 | €4,413 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €51,989 | €33,703 | €36,269 | €47,361 | €14,230 | ▼ 70.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€29,831 | €5,510 | €16,868 | -€4,761 | ▼ 128% |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €14,230 ▼66.9%
Net result drops to €14,230, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €47,577 ▲20.4%
Operating result €68,752, net result €47,577, both a record.
31-12
Financial
Equity above €500,000Eq €512,152 ▲10.2%
4 profitable years in a row build equity to €512,152.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 12 days late
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Liège
Ground area
714 m²
Building footprint
576 m²
Parcel 62078A0455/00B022, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62078A0455/00B022 | Wallonia | 714 m² | 1 · 576 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
100%
-
100%
According to the 2025 annual accounts of STEP+ and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 32,609 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-12-2012
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.