SteP Consult
ActiveSummary
SteP Consult has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.2m and a net result of €173,509. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 7814 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▼-42
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210,000 at 30 days acceptable
short-term debt: 0.6% and cash: 2.7% of total assets, and 0.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% 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
99.4%
Return on assets
5.4%
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
43 d early
2023
48 d early
2022
48 d early
2021
69 d early
2020
67 d early
2019
45 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 54 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% 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, micro schema
Equity
€3.2m▲ 5.8%
2024 · €3.0m
Total assets
€3.2m▲ 2.5%
2024 · €3.1m
Net result
€173,509▲ 23.4%
2024 · €140,585
Working capital
€2.3m▲ 8.9%
2024 · €2.2m
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€200,520▼ 10.0%€134,974▼ 32.7%€135,713▲ 0.5%€72,120▼ 46.9%€54,625▼ 24.3%
Net result€1.3m▲ 734%€1.1m▼ 15.4%€315,098▼ 71.0%€140,585▼ 55.4%€173,509▲ 23.4%
Equity€1.8m▲ 202%€2.8m▲ 56.9%€2.9m▲ 6.3%€3.0m▲ 1.8%€3.2m▲ 5.8%
Total assets€2.2m▲ 158%€3.3m▲ 47.7%€3.3m▲ 0.9%€3.1m▼ 5.1%€3.2m▲ 2.5%
Debt€435,083▲ 61.8%€479,254▲ 10.2%€332,689▼ 30.6%€112,770▼ 66.1%€17,710▼ 84.3%
Working capital€308,858▼ 31.5%€2.0m▲ 548%€2.1m▲ 5.4%€2.2m▲ 2.1%€2.3m▲ 8.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2024 Net result -55% on 2023. The accounts now follow the micro schema, last year the abbreviated schema.
- 2023 Net result -71% on 2022. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.2m
Fixed assets
€831,530 ▼ 2.1%
Current assets
€2.4m ▲ 4.2%
Equity and liabilities €3.2m
Equity
€3.2m ▲ 5.8%
Debt
€17,710 ▼ 84.3%
Debt's share of the balance-sheet total falls from 3.6% to 0.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74,212▼
2024 · €93,993
Cash flow
€193,096▲
2024 · €162,459
Debt to equity
0.01▼
2024 · 0.04
ROE
5.5%▲
2024 · 4.7%
ROA
5.4%▲
2024 · 4.5%
Interest coverage
0.76▼
2024 · 23.38
Debt ≤ 1 year
€17,710▼
2024 · €112,770
Income taxes
€31,051▼
2024 · €36,458
A ratio outside any meaningful range has been withheld (balance sheet total €3.2m, equity €3.2m).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,792 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,792 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,081 | €23,037 | €23,329 | €21,874 | €19,587 | ▼ 10.5% |
| Other operating charges640/8 | €3,011 | €3,075 | €3,360 | €2,495 | €2,621 | ▲ 5.1% |
| Gross operating margin9900 | €226,613 | €161,086 | €162,402 | €96,488 | €76,833 | ▼ 20.4% |
| Operating profit (loss)9901 | €200,520 | €134,974 | €135,713 | €72,120 | €54,625 | ▼ 24.3% |
| Financial income75/76B | €1.3m | €1.1m | €262,906 | €108,944 | €247,634 | ▲ 127% |
| Recurring financial income75 | €1.3m | €1.1m | €262,906 | €108,944 | €247,634 | ▲ 127% |
| Financial charges65/66B | €2,170 | €5,048 | €17,421 | €4,021 | €97,700 | ▲ 2,330% |
| Recurring financial charges65 | €2,170 | €5,048 | €17,421 | €4,021 | €97,700 | ▲ 2,330% |
| Profit (loss) for the period before taxes9903 | €1.5m | €1.2m | €381,198 | €177,043 | €204,560 | ▲ 15.5% |
| Income taxes67/77 | €247,674 | €144,278 | €66,100 | €36,458 | €31,051 | ▼ 14.8% |
| Profit (loss) for the period9904 | €1.3m | €1.1m | €315,098 | €140,585 | €173,509 | ▲ 23.4% |
| Profit (loss) for the period to be appropriated9905 | €1.3m | €1.1m | €315,098 | €140,585 | €173,509 | ▲ 23.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.2m | €3.3m | €3.3m | €3.1m | €3.2m | ▲ 2.5% |
| Fixed assets21/28 | €1.6m | €866,202 | €841,313 | €849,243 | €831,530 | ▼ 2.1% |
| Tangible fixed assets22/27 | €185,254 | €164,494 | €142,105 | €121,650 | €103,937 | ▼ 14.6% |
| Land and buildings22 | €173,303 | €154,612 | €135,920 | €118,305 | €100,690 | ▼ 14.9% |
| Plant, machinery and equipment23 | €11,951 | €9,883 | €6,185 | €3,345 | €3,247 | ▼ 2.9% |
| Financial fixed assets28 | €1.4m | €701,708 | €699,208 | €727,594 | €727,594 | = |
| Current assets29/58 | €641,441 | €2.4m | €2.4m | €2.3m | €2.4m | ▲ 4.2% |
| Amounts receivable within one year40/41 | €208,315 | €264,679 | €230,255 | €220,357 | €38,559 | ▼ 82.5% |
| Trade receivables40 | €158,015 | €51,748 | €37,746 | €23,049 | €23,801 | ▲ 3.3% |
| Other amounts receivable41 | €50,301 | €212,932 | €192,509 | €197,308 | €14,758 | ▼ 92.5% |
| Current investments50/53 | €190,013 | €1.8m | €1.8m | €2.0m | €2.2m | ▲ 14.1% |
| Cash at bank and in hand54/58 | €237,549 | €323,111 | €406,877 | €85,677 | €86,576 | ▲ 1.0% |
| Deferred charges and accrued income490/1 | €5,564 | €1,711 | €2,151 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.2m | €3.3m | €3.3m | €3.1m | €3.2m | ▲ 2.5% |
| Equity10/15 | €1.8m | €2.8m | €2.9m | €3.0m | €3.2m | ▲ 5.8% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1.8m | €2.8m | €2.9m | €3.0m | €3.1m | ▲ 5.7% |
| Non-distributable reserves130/1 | €10,044 | €10,044 | €10,044 | €10,044 | €10,044 | = |
| Reserves not available under the articles1311 | €10,044 | €10,044 | €10,044 | €10,044 | €10,044 | = |
| Distributable reserves133 | €1.7m | €2.7m | €2.9m | €3.0m | €3.1m | ▲ 5.7% |
| Profit (loss) carried forward14 | €10,727 | €17,103 | €22,201 | €22,787 | €26,295 | ▲ 15.4% |
| Amounts payable17/49 | €435,083 | €479,254 | €332,689 | €112,770 | €17,710 | ▼ 84.3% |
| Amounts payable after more than one year17 | €102,500 | €92,500 | €0 | - | - | - |
| Financial debts170/4 | €102,500 | €92,500 | €0 | - | - | - |
| Amounts payable within one year42/48 | €332,583 | €386,754 | €332,689 | €112,770 | €17,710 | ▼ 84.3% |
| Current portion of amounts payable after more than one year42 | €10,000 | €10,000 | €0 | - | - | - |
| Trade debts44 | €4,760 | €2,469 | €3,613 | €1,382 | €1,934 | ▲ 39.9% |
| Suppliers440/4 | €4,760 | €2,469 | €3,613 | €1,382 | €1,934 | ▲ 39.9% |
| Taxes, remuneration and social security45 | €216,823 | €289,892 | €189,076 | €23,388 | €15,776 | ▼ 32.5% |
| Taxes450/3 | €216,823 | €289,892 | €189,076 | €23,388 | €15,776 | ▼ 32.5% |
| Other amounts payable47/48 | €101,000 | €84,393 | €140,000 | €88,000 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.3m | €1.1m | €315,098 | €140,585 | €173,509 | ▲ 23.4% |
| + Depreciation and write-downs630 | €23,081 | €23,037 | €23,329 | €21,874 | €19,587 | ▼ 10.5% |
| Operating cash flow (approximation) | €1.3m | €1.1m | €338,427 | €162,459 | €193,096 | ▲ 18.9% |
| Investment in fixed assets (approximation) | - | €672,374 | €1,560 | -€29,804 | -€1,874 | ▲ 93.7% |
| Change in cash | - | €85,563 | €83,765 | -€321,200 | €899 | ▲ 100% |
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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 7current ratio 133.35
Current ratio from 20.09 to 133.35; short-term debt falls from €112,770 to €17,710.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 20.09
Current ratio from 7.34 to 20.09; short-term debt falls from €332,689 to €112,770.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 6.17
Current ratio from 1.93 to 6.17.
31-12
Financial
Equity above €2mEq €2.8m ▲56.9%
5 profitable years in a row build equity to €2.8m.
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €1.3m ▲734%
Net result €1.3m, the highest in the series.
31-12
Financial
Equity above €1mEq €1.8m ▲202%
4 profitable years in a row build equity to €1.8m.
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €88,854 ▼36.7%
Net result drops to €88,854, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500,000Eq €522,810 ▲12.9%
2 profitable years in a row build equity to €522,810.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-06
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 8 acts read
About the unread acts
We know of 8 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
8 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, Antwerpen · 1 establishment unit since 2010
Ground area
222 m²
Building footprint
85 m²
Volume, LiDAR
823 m³
Parcel 11810K2763/00B008, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SteP CONSULT
since 20102.184.686.260
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K2763/00B008 | Flanders | 222 m² | 1 · 85 m² | 12.3 m · 3 fl. |
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
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
38.12%
Stated earlier (1)
An older source named these holdings; newer accounts no longer list them.
- 50%
According to the 2025 annual accounts of SteP Consult 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 24,517 companies in sector 82990 we hold annual accounts for 9,415. 2,489 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
Founded20-01-2010
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
63920Other information service activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0822497741
Registered
20-11-2020
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.