STEP BY STEPH
ActiveSTEP BY STEPH is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €713k and a net result of €89k. Equity is growing by ~41.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 7962 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
77 d early
2023
49 d early
2022
77 d early
2021
65 d early
2020
61 d early
2019
12 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€713k▲ 14.2%
2024 · €624k
2018: €26k
2019: €19k
2020: €105k
2021: €225k
2022: €335k
2023: €482k
2024: €624k
2018 → 2025
Net result
€89k▼ 37.8%
2024 · €143k
2018: €-2k
2019: €-7k
2020: €86k
2021: €120k
2022: €122k
2023: €146k
2024: €143k
2018 → 2025
Total assets
€742k▲ 9.8%
2024 · €675k
2018: €57k
2019: €31k
2020: €157k
2021: €288k
2022: €401k
2023: €539k
2024: €675k
2018 → 2025
Solvency
96.1%▲ 3.7pp
2024 · 92.4%
2018: 45.3%
2019: 62.6%
2020: 67.1%
2021: 78.2%
2022: 83.6%
2023: 89.4%
2024: 92.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€225k-€335k▲ 48.9%€482k▲ 43.6%€624k▲ 29.6%€713k▲ 14.2%
Operating result€172k-€174k▲ 1.3%€211k▲ 21.1%€193k▼ 8.7%€131k▼ 32.3%
Net result€120k-€122k▲ 1.5%€146k▲ 20.0%€143k▼ 2.4%€89k▼ 37.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 32% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €742k
Fixed assets
€15k▼ 3.9%
Current assets
€727k▲ 10.2%
Equity and liabilities €742k
Equity
€713k▲ 14.2%
Debt
€29k▼ 43.7%
The debt ratio falls from 7.6% to 3.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
96.1%▲
2024 · 92.4%
ROE
12.4%▼
2024 · 22.9%
ROA
12.0%▼
2024 · 21.1%
Debt
€29k▼
2024 · €51k
Debt ≤ 1 year
€29k▼
2024 · €51k
Income taxes
€43k▼
2024 · €63k
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€675k€742k▲
Fixed assets21/28€16k€15k▼
Tangible fixed assets22/27€12k€11k▼
Plant, machinery and equipment23€624€2k▲
Furniture and vehicles24€11k€9k▼
Financial fixed assets28€4k€4k=
Current assets29/58€660k€727k▲
Amounts receivable after more than one year29€225k€225k=
Trade receivables290€225k€225k=
Amounts receivable within one year40/41€10k€27k▲
Other amounts receivable41€10k€27k▲
Current investments50/53-€403k
Cash at bank and in hand54/58€421k€67k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€675k€742k▲
Equity10/15€624k€713k▲
Contributions10/11€14k€14k=
Reserves13€610k€699k▲
Distributable reserves133€610k€699k▲
Amounts payable17/49€51k€29k▼
Amounts payable within one year42/48€51k€29k▼
Current portion of amounts payable after more than one year42€19k€14k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€30k€14k▼
Taxes450/3€30k€14k▼
Other amounts payable47/48€26-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€3k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€206k€135k▼
Operating profit (loss)9901€193k€131k▼
Financial income75/76B€15k€4k▼
Recurring financial income75€15k€4k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€206k€132k▼
Income taxes67/77€63k€43k▼
Profit (loss) for the period9904€143k€89k▼
Profit (loss) for the period to be appropriated9905€143k€89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€143k€89k▼
Transfer to equity691/2€143k€89k▼
To other reserves6921€143k€89k▼
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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €624k ▲29.6%
5 profitable years in a row build equity to €624k.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €146k ▲20%
Operating result €211k, net result €146k, both a record.
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €225k ▲114%
2 profitable years in a row build equity to €225k.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €86k
Net result €86k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 5.03
Current ratio from 2.08 to 5.03.
31-12
Financial
Equity above €100kEq €105k ▲448%
Equity rises from €19k to €105k.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
12-05
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.
Directors · office · real estate
Directors
2 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, Lasne · 1 establishment unit since 2011
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.
Route de Beaumont 55D1380 LasneGround area
7,269 m²
Building footprint
555 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
STEP BY STEPH
since 20112.204.930.457
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051F0503/00P000 | Wallonia | 6,729 m² | 1 · 211 m² | - |
| 25051F0497/00P000 | Wallonia | 540 m² | 1 · 344 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
FEMC
BE 0683.667.381
Zwalm · Eq €713k
MIRTA
BE 0893.288.836
Diepenbeek · Eq €713k
ALPINE INVEST & CONSULT
BE 0695.433.976
Sint-Martens-Latem · Eq €713k
SAMECO
BE 0866.424.091
Kruisem · Eq €713k
CLIMMO-INVEST
BE 0878.744.873
Zwevegem · Eq €712k
Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,263 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.