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STEP TWO

Active
Private limited companyfounded 2007active for 19 yearsSint Trudostraat 62, 3990 Peer, BelgiumKBO/BCE: BE 0888.848.018
Summary

STEP TWO has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55,749 and a net result of €21,885. Equity has been growing by about 47% per year since 2018. Its solvency ranks better than 32% of 13,741 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 18-04-2007 Normal situation
Activity
Agents in the wholesale of textiles, clothing, fur, footwear and leather goods NACE 46160and 1 other
Joint committee
302 Paritair Comité voor het hotelbedrijf · annual accounts 2024
Establishment unit
2.226.046.169 3990 Peer, since 22-03-2014
Financial year end
31 December
Peppol
Reachable since 02-09-2025

Board and ownership

Board

Financial position

86 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€102,000
▲ 9.9%
Turnover
≈ €390,000
estimated
Profit
€21,885
▼ 32.5%
Equity
€55,749
▲ 64.6%
Total assets
€331,994
▼ 9.6%
Employees on 31-12-2025
0
Score breakdownraises riskLiquidity: current ratio 0.26, cash €1,618Sector: Wholesale trade (NACE 46)lowers riskSize: total assets €331,994Founded in 2007Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 56% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Average
Solvency 42+8
equity 16.8% of total assets
Liquidity 41-2
short-term debt 25.2% · cash 0.5%
Profitability 77-3
return on assets 6.6%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,900 companies, NACE 46, micro)
Last 24 months 12-2024: 0.3% 01-2025: 0.3%● unchanged vs 12-2024lowest value 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.4%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.3%▼ -0.1 percentage points vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026 11-2026: 0.3%● unchanged vs 10-2026
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.26 (0.29 in 2024), below 1. Short-term debt is 25.2% and cash 0.5% of total assets. 83.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 29% of them on solvency, 39% on liquidity, 67% on profitability and 90% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €331,994
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Founded in 2007
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Liquidity: current ratio 0.26, cash €1,618
NBB · annual accounts
raises risk · Sector: Wholesale trade (NACE 46)
KBO
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 filings
Deviation from the deadline
2025
3 days early
2024
2 days early
2023
2 days late
2022
21 days early
2021
11 days late
2020
31 days late
2019
42 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 3 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 6 profitable years in a rowprofit 2025: €21,885 6 years View
  • Higher gross margin than 80% of companies in wholesale tradesector median €28,710 · 13,714 companies €102,000 View

Recent changes

  1. · Gazette deed Resignation: HEYLEN Cindy (manager)Reappointment: HEYLEN Cindy (director)
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as STEP TWO: agents in the wholesale of textiles, clothing, fur, footwear and leather goods (NACE 46160). They are comparable in size and age: total assets between €238,000 and €389,000, founded between 2006 and 2010.

CompanyTotal assetsGross margin
STEP TWO Peer€331,994€102,000
MODA E MODI Antwerpen€357,859€82,282
S.K.D. GROUP Tremelo€275,924€101,926
CARADONNA Wellen€238,837€89,836
EVIDA Beringen€238,179€150,625
4T4 Gistel€389,107€79,157
D.F.A.T. Elsene€302,295€86,278
Full comparison

Key facts about STEP TWO

What is the company number of STEP TWO?
The company number of STEP TWO is 0888.848.018. The VAT number is the same number with BE in front: BE 0888.848.018.
Where is STEP TWO based?
The registered office is at Sint Trudostraat 62, 3990 Peer.Company details
What does STEP TWO do?
According to the KBO register, the main activity is agents in the wholesale of textiles, clothing, fur, footwear and leather goods (NACE 46160).
What is the legal form of STEP TWO?
The legal form of STEP TWO is Private limited company (BV).
When was STEP TWO founded?
STEP TWO was founded on 18-04-2007.
Is STEP TWO still active?
Yes, STEP TWO is an active enterprise in the KBO register.
How many employees does STEP TWO have?
STEP TWO had an average of 0.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does STEP TWO fall under?
In its 2024 annual accounts, STEP TWO states joint committee 302 (Paritair Comité voor het hotelbedrijf).
What is the turnover of STEP TWO?
The turnover in financial year 2025 is ≈ €390,000. This figure is estimated from the gross margin of €102,000 and 31 comparable companies (NACE 461). It probably lies between €180,000 and €930,000.
Is STEP TWO profitable?
In financial year 2025, STEP TWO made a profit of €21,885.
Where can I find the annual accounts of STEP TWO?
STEP TWO filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of STEP TWO due?
STEP TWO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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