STEP TWO
ActiveSTEP TWO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €22k. Equity is growing by ~46.6% per year across the filed fiscal years. Its solvency ranks better than 31% of 11238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
64
/ 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
Profitability77▼-3
Solvency42▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.26 against 0.29 in 2024; short-term debt: 25.2% and cash: 0.5% of total assets), and 83.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
16.8%
Return on assets
6.6%
Age of the figures
9 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
2 d early
2023
2 d late
2022
21 d early
2021
11 d late
2020
31 d late
2019
42 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 64.6%
2024 · €34k
2018: €-29k
2019: €-32k
2020: €-23k
2021: €-6k
2022: €864
2023: €1k
2024: €34k
2018 → 2025
Total assets
€332k▼ 9.6%
2024 · €367k
2018: €591k
2019: €552k
2020: €546k
2021: €568k
2022: €444k
2023: €394k
2024: €367k
2018 → 2025
Net result
€22k▼ 32.5%
2024 · €32k
2018: €891
2019: €-3k
2020: €8k
2021: €18k
2022: €7k
2023: €587
2024: €32k
2018 → 2025
Working capital
€-62k▼ 7.2%
2024 · €-58k
2018: €-111k
2019: €-104k
2020: €-94k
2021: €-90k
2022: €-89k
2023: €-82k
2024: €-58k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-6k-€864€1k▲ 68.0%€34k▲ 2,235%€56k▲ 64.6%
Operating result€28k-€16k▼ 43.4%€9k▼ 45.5%€43k▲ 409%€47k▲ 7.5%
Net result€18k-€7k▼ 63.0%€587▼ 91.0%€32k▲ 5,423%€22k▼ 32.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€310k▼ 9.7%
Current assets
€22k▼ 8.4%
Equity and liabilities €332k
Equity
€56k▲ 64.6%
Debt
€276k▼ 17.2%
The debt ratio falls from 90.8% to 83.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▲
2024 · €88k
Cash flow
€70k▼
2024 · €77k
Solvency
16.8%▲
2024 · 9.2%
Current ratio
0.26▼
2024 · 0.29
Quick ratio
0.18▲
2024 · 0.14
Debt / equity
4.96▼
2024 · 9.85
ROE
39.3%▼
2024 · 95.7%
ROA
6.6%▼
2024 · 8.8%
Interest coverage
6.25▼
2024 · 8.12
Debt
€276k▼
2024 · €333k
Debt ≤ 1 year
€84k▲
2024 · €82k
Debt > 1 year
€190k▼
2024 · €252k
Income taxes
€10k
Staff costs
€4k▲
2024 · €1k
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€367k€332k▼
Fixed assets21/28€343k€310k▼
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€340k€309k▼
Land and buildings22€275k€248k▼
Plant, machinery and equipment23€65k€61k▼
Current assets29/58€24k€22k▼
Stocks and contracts in progress3€13k€7k▼
Stocks30/36€13k€7k▼
Amounts receivable within one year40/41€7k€13k▲
Trade receivables40€3k€13k▲
Other amounts receivable41€4k€338▼
Cash at bank and in hand54/58€2k€2k▼
Deferred charges and accrued income490/1€2k€136▼
Equity and liabilities
Total equity and liabilities10/49€367k€332k▼
Equity10/15€34k€56k▲
Contributions10/11€19k€19k=
Reserves13€15k€37k▲
Distributable reserves133€15k€37k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€333k€276k▼
Amounts payable after more than one year17€252k€190k▼
Financial debts170/4€212k€190k▼
Other amounts payable178/9€40k€0▼
Amounts payable within one year42/48€82k€84k▲
Current portion of amounts payable after more than one year42€37k€38k▲
Financial debts43€15€120▲
Credit institutions430/8€15€120▲
Trade debts44€10k€2k▼
Suppliers440/4€10k€2k▼
Taxes, remuneration and social security45€1k€12k▲
Taxes450/3€63€10k▲
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€34k€32k▼
Accrued charges and deferred income492/3€0€3k▲
Income statement
Code20242025
Non-recurring operating income76A€0€5k▲
Remuneration, social security and pensions62€1k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€48k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€93k€102k▲
Operating profit (loss)9901€43k€47k▲
Financial income75/76B€20€175▲
Recurring financial income75€20€175▲
Financial charges65/66B€11k€15k▲
Recurring financial charges65€11k€15k▲
Profit (loss) for the period before taxes9903€32k€32k▼
Income taxes67/77-€10k
Profit (loss) for the period9904€32k€22k▼
Profit (loss) for the period to be appropriated9905€32k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€22k▲
Profit (loss) brought forward from the previous period14P€-19k€0▲
Transfer to equity691/2€13k€22k▲
To other reserves6921€13k€22k▲
The notes to these accounts (15 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €32k ▲5423%
Net result €32k, the highest in the series.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-3k ▼462%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Peer · 1 establishment unit since 2014
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.
Sint Trudostraat 623990 PeerGround area
2,609 m²
Building footprint
103 m²
Volume, LiDAR
938 m³
Parcel 72035B0676/00G000, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
De Pastorij
since 20142.226.046.169
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72035B0676/00G000 | Flanders | 2,608 m² | 1 · 103 m² | 12.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 176 EUR awarded · 176 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 88 EUR | 88 EUR |
| 2023 | 1 | 88 EUR | 88 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 sitePeer2.226.046.169
Similar companies · same sector, comparable size
MA.AS
BE 0862.453.427
Beernem · Eq €56k
GUY-DAVID PRODUCTIONS
BE 0635.908.046
Antwerpen · Eq €56k
DRIEZEN FASHION AGENCY
BE 0788.981.766
Hamont-Achel · Eq €56k
Mimosa & VH
BE 0761.475.833
Laakdal · Eq €57k
Katie-S & CO
BE 0828.559.350
Lo-Reninge · Eq €55k
Of 1,276 companies in sector 46160 we hold annual accounts for 686. 524 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2007
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
51160
52421
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.