STEP SOLUTIONS
ActiveSTEP SOLUTIONS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €115k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 62% of 1025 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-32
Solvency97=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 2.39 in 2024), and 43.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← 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
56.3%
Return on assets
6%
Age of the figures
8 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 · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
14 d early
2023
9 d early
2022
18 d early
2021
31 d late
2020
10 d late
2019
7 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€115k▼ 34.1%
2024 · €175k
2018: €145k
2019: €137k
2020: €150k
2021: €44k
2022: €111k
2023: €171k
2024: €175k
2018 → 2025
Working capital
€598k▲ 3.5%
2024 · €578k
2018: €326k
2019: €472k
2020: €466k
2021: €445k
2022: €461k
2023: €523k
2024: €578k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€744k-€798k▲ 7.3%€912k▲ 14.2%€1.03M▲ 12.9%€1.09M▲ 5.6%
Operating result€68k-€145k▲ 114%€235k▲ 61.5%€236k▲ 0.6%€168k▼ 29.0%
Net result€44k-€111k▲ 153%€171k▲ 53.3%€175k▲ 2.1%€115k▼ 34.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.93M
Fixed assets
€739k▼ 14.1%
Current assets
€1.19M▲ 19.9%
Equity and liabilities €1.93M
Equity
€1.09M▲ 5.6%
Debt
€842k▲ 2.2%
The debt ratio falls from 44.5% to 43.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€326k▼
2024 · €382k
Cash flow
€273k▼
2024 · €320k
Solvency
56.3%▲
2024 · 55.5%
Current ratio
2.01▼
2024 · 2.39
Quick ratio
1.75▼
2024 · 2.16
Debt / equity
0.77▼
2024 · 0.80
ROE
10.6%▼
2024 · 17.0%
ROA
6.0%▼
2024 · 9.4%
Interest coverage
18.68▼
2024 · 20.18
Debt
€842k▲
2024 · €824k
Debt ≤ 1 year
€592k▲
2024 · €414k
Debt > 1 year
€250k▼
2024 · €409k
Income taxes
€46k▼
2024 · €60k
Staff costs
€678k▲
2024 · €638k
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€1.85M€1.93M▲
Fixed assets21/28€860k€739k▼
Tangible fixed assets22/27€859k€738k▼
Land and buildings22€571k€524k▼
Plant, machinery and equipment23€29k€25k▼
Furniture and vehicles24€259k€188k▼
Financial fixed assets28€1k€1k=
Current assets29/58€993k€1.19M▲
Stocks and contracts in progress3€96k€156k▲
Stocks30/36€96k€156k▲
Amounts receivable within one year40/41€630k€582k▼
Trade receivables40€618k€568k▼
Other amounts receivable41€12k€14k▲
Cash at bank and in hand54/58€263k€444k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.85M€1.93M▲
Equity10/15€1.03M€1.09M▲
Contributions10/11€273k€273k=
Reserves13€74k€107k▲
Tax-exempt reserves132€51k€84k▲
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€601k€632k▲
Investment grants15€81k€74k▼
Amounts payable17/49€824k€842k▲
Amounts payable after more than one year17€409k€250k▼
Financial debts170/4€409k€250k▼
Amounts payable within one year42/48€414k€592k▲
Current portion of amounts payable after more than one year42€159k€176k▲
Trade debts44€146k€251k▲
Suppliers440/4€146k€251k▲
Taxes, remuneration and social security45€59k€64k▲
Taxes450/3€13k€8k▼
Remuneration and social security454/9€46k€57k▲
Other amounts payable47/48€50k€100k▲
Accrued charges and deferred income492/3€232€201▼
Income statement
Code20242025
Remuneration, social security and pensions62€638k€678k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€145k€158k▲
Other operating charges640/8€22k€16k▼
Gross operating margin9900€1.04M€1.02M▼
Operating profit (loss)9901€236k€168k▼
Financial income75/76B€17k€10k▼
Recurring financial income75€17k€10k▼
Financial charges65/66B€19k€17k▼
Recurring financial charges65€19k€17k▼
Profit (loss) for the period before taxes9903€235k€161k▼
Income taxes67/77€60k€46k▼
Profit (loss) for the period9904€175k€115k▼
Transfer to tax-exempt reserves689€51k€34k▼
Profit (loss) for the period to be appropriated9905€124k€81k▼
Appropriation of the result
Profit (loss) to be appropriated9906€651k€682k▲
Profit (loss) brought forward from the previous period14P€527k€601k▲
Profit to be distributed694/7€50k€50k=
Return on contributions (dividend)694€50k€50k=
Social balance
Average headcount (FTE)908711.614.6▲
The notes to these accounts (20 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €175k ▲2.1%
Operating result €236k, net result €175k, both a record.
31-12
Financial
Equity above €1MEq €1.03M ▲12.9%
7 profitable years in a row build equity to €1.03M.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €44k ▼70.6%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Flémalle · 1 establishment unit since 2010
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 l'Expansion 954400 Flémalle1 establishment unit
STEP SOLUTIONS
since 20102.186.129.184
Recognitions · licences · registrations
Recognised contractor
3 categoriesSTEP SOLUTIONS SRL40446
Similar companies · same sector, comparable size
ES - GE
BE 0463.032.765
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Ets. MECABRIDE
BE 0420.155.696
Bütgenbach · Eq €1.09M
Deliconstruct
BE 0421.475.490
Wingene · Eq €1.08M
LANNOO KONSTRUKTIE
BE 0430.569.043
Pittem · Eq €1.10M
METAALCONSTRUCTIE - CONSTRUCTION METALIQUE
BE 0472.654.670
Lier · Eq €1.08M
Of 3,448 companies in sector 25530 we hold annual accounts for 1,645. 1,100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2010
Fiscal year end31-12
Activities, NACEBEL
25530Machining of metals
33190Repair, maintenance and installation of machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filings
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:frederic.bayers@stepsolutions.be
Phone:0473932150