STEP ACCOMPAGNEMENT
ActiveSummary
STEP ACCOMPAGNEMENT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €301k and a net result of €28k. Equity is growing by ~50.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-5
Solvency47▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.12 in 2024; short-term debt: 72.7% and cash: 34.7% of total assets), and 78.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
21.7%
Return on assets
2%
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 3187 sector peers (2025).
NBB · sector comparisonPosition among 3187 sector peers
Solvency
better than 23%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
27 d early
2023
30 d late
2022
22 d late
2021
23 d late
2020
30 d late
2019
31 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€28k▼ 61.5%
2024 · €72k
2018: €-845
2019: €2k
2020: €39k
2021: €28k
2022: €-69
2023: €35k
2024: €72k
2018 → 2025
Working capital
€275k▲ 131%
2024 · €119k
2018: €110k
2019: €144k
2020: €162k
2021: €294k
2022: €564k
2023: €641k
2024: €119k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€66k▼ 0.1%€101k▲ 52.3%€173k▲ 71.3%€301k▲ 73.7%
Operating result€28k-€83▼ 99.7%€36k▲ 42,923%€71k▲ 98.6%€29k▼ 58.9%
Net result€28k-€-69€35k€72k▲ 108%€28k▼ 61.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 59% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€105k ▼ 8.8%
Current assets
€1.28M ▲ 13.4%
Equity and liabilities €1.39M
Equity
€301k ▲ 73.7%
Provisions
€72k ▲ 104%
Debt
€1.02M ▼ 2.2%
Debt's share of the balance-sheet total falls from 83.3% to 73.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▼
2024 · €88k
Cash flow
€43k▼
2024 · €89k
Current ratio
1.27▲
2024 · 1.12
Quick ratio
1.21▲
2024 · 1.09
Debt to equity
3.37▼
2024 · 5.99
ROE
9.2%▼
2024 · 41.6%
ROA
2.0%▼
2024 · 5.8%
Interest coverage
10.68▼
2024 · 38.42
Debt ≤ 1 year
€1.01M▼
2024 · €1.01M
Income taxes
€744▼
2024 · €1k
Staff costs
€668k▼
2024 · €683k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.25M€1.39M▲
Fixed assets21/28€115k€105k▼
Intangible fixed assets21€6k€9k▲
Tangible fixed assets22/27€109k€96k▼
Plant, machinery and equipment23€82k€48k▼
Furniture and vehicles24€26k€29k▲
Other tangible fixed assets26€2k€18k▲
Assets under construction and advance payments27-€843
Current assets29/58€1.13M€1.28M▲
Amounts receivable after more than one year29-€67k
Other amounts receivable291-€67k
Stocks and contracts in progress3€24k€64k▲
Stocks30/36€24k€64k▲
Amounts receivable within one year40/41€514k€663k▲
Trade receivables40€211k€250k▲
Other amounts receivable41€303k€412k▲
Cash at bank and in hand54/58€580k€483k▼
Deferred charges and accrued income490/1€15k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.39M▲
Equity10/15€173k€301k▲
Reserves13€159k€284k▲
Profit (loss) carried forward14€15k€18k▲
Provisions and deferred taxes16€35k€72k▲
Provisions for liabilities and charges160/5€35k€72k▲
Other liabilities and charges164/5€35k€72k▲
Amounts payable17/49€1.04M€1.02M▼
Amounts payable after more than one year17€0-
Other amounts payable178/9€0-
Amounts payable within one year42/48€1.01M€1.01M▼
Trade debts44€672k€692k▲
Suppliers440/4€672k€692k▲
Advances received on contracts in progress46€100€56k▲
Taxes, remuneration and social security45€105k€106k▲
Taxes450/3€16k€22k▲
Remuneration and social security454/9€89k€84k▼
Accrued charges and deferred income492/3€25k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€16€0▼
Remuneration, social security and pensions62€683k€668k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€15k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-475€1k▲
Other operating charges640/8€13k€18k▲
Non-recurring operating charges66A€19k€0▼
Gross operating margin9900€838k€768k▼
Operating profit (loss)9901€71k€29k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€73k€29k▼
Income taxes67/77€1k€744▼
Profit (loss) for the period9904€72k€28k▼
Transfer to tax-exempt reserves689€67k€25k▼
Profit (loss) for the period to be appropriated9905€5k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€18k▲
Profit (loss) brought forward from the previous period14P€10k€15k▲
Social balance
Average headcount (FTE)90879.38.8▼
The notes to these accounts (24 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €200kEq €301k ▲73.7%
3 profitable years in a row build equity to €301k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €72k ▲108%
Operating result €71k, net result €72k, both a record.
31-12
Financial
Equity above €150kEq €173k ▲71.3%
2 profitable years in a row build equity to €173k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
31-12
Financial
Equity above €100kEq €101k ▲52.3%
Equity rises from €66k to €101k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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 · 12 establishment units since 2015
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 Steppes 244000 LiègeGround area
6,577 m²
Building footprint
2,104 m²
Volume, LiDAR
19,656 m³
11 parcels, Wallonia · tallest building 24.2 m, ±7 floors. Linked by address, not a title deed.
12 establishment units
STEP Entreprendre - SAACE
since 20152.237.310.938
Aplovou par François Goffart
since 20252.372.087.488
Cé.pages par Raluca Popa
since 20252.372.433.225
Les jardins d'Alexis par Alexis Jaspart
since 20252.372.433.720
Urban Taste par Karim Mariette
since 20252.374.779.041
Tom's Pizza Club par Thomas Dal Piva
since 20252.378.523.736
Show 6 more locations
Tom's Pizza Club par Thomas Dal Piva
since 20252.380.820.260
Mapa par Christiane Tambwe
since 20262.386.152.488
Atelier D'Alessandro par Céline D'Alessandro
since 20262.388.137.129
Niche ta mère par Aurore Liégeois
since 20262.389.278.264
Le Clairon par Claire Geron
since 20262.391.670.107
Maraichage de la forêt de Luhan par Marc-André De Leeuw
since 20262.391.670.404
11 parcels
Wallonia
11
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810B0168/00S004 | Wallonia | 2,934 m² | 1 · 984 m² | 8.5 m · 2 fl. |
| 64065A0500/00L000 | Wallonia | 1,046 m² | 1 · 162 m² | - |
| 63072H0555/00T000indicative | Wallonia | 592 m² | - | - |
| 62003A1140/00Z002 | Wallonia | 380 m² | 1 · 45 m² | 9.5 m · 3 fl. |
| 62104C0295/00K002 | Wallonia | 372 m² | 1 · 75 m² | - |
| 62818F0205/00A000 ProtectedMonument · Site or landscape |
Wallonia | 325 m² | 1 · 316 m² | 17.4 m · 5 fl. |
| 62814C0100/00T006 | Wallonia | 293 m² | 1 · 139 m² | 24.2 m · 7 fl. |
| 62063A1610/00B000indicative | Wallonia | 269 m² | 1 · 191 m² | 17.1 m · 5 fl. |
| 62063A0288/00N000 ProtectedMonument |
Wallonia | 223 m² | 1 · 82 m² | 17.4 m · 5 fl. |
| 62813E0641/00C000 | Wallonia | 77 m² | 1 · 28 m² | 13.9 m · 4 fl. |
| 61026A0094/02_000 | Wallonia | 67 m² | 1 · 81 m² | 16.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 10
9 of 11 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
6 sitesLiège2.378.523.736
Chaudfontaine2.372.087.488
Liège2.374.779.041
Liège2.386.152.488
Show 2 more sites
Liège2.389.278.264
Spa2.372.433.720
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,146 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded14-04-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
65112Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.