STEP2B
ActiveSTEP2B has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €7k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 24% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-3
Solvency46▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.12 against 0.38 in 2024; short-term debt: 9% and cash: 0.1% of total assets), and 79.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
20.6%
Return on assets
2.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 24%
← weakest
strongest →
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 27-05-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
55 d early
2023
16 d early
2022
35 d early
2021
44 d early
2020
31 d early
2019
80 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 16.5%
2024 · €44k
2018: €19k
2019: €19k
2020: €19k
2021: €16k
2022: €23k
2023: €31k
2024: €44k
2018 → 2025
Total assets
€251k▼ 7.9%
2024 · €273k
2018: €369k
2019: €343k
2020: €326k
2021: €304k
2022: €295k
2023: €280k
2024: €273k
2018 → 2025
Net result
€7k▼ 46.2%
2024 · €14k
2018: €18k
2019: €-626
2020: €-184
2021: €-3k
2022: €7k
2023: €8k
2024: €14k
2018 → 2025
Working capital
€-20k▼ 15.6%
2024 · €-17k
2018: €-11k
2019: €-20k
2020: €-19k
2021: €-24k
2022: €-11k
2023: €-21k
2024: €-17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€23k▲ 46.0%€31k▲ 34.0%€44k▲ 44.2%€52k▲ 16.5%
Operating result€3k-€15k▲ 472%€15k▲ 5.2%€22k▲ 44.6%€14k▼ 38.5%
Net result€-3k-€7k€8k▲ 7.9%€14k▲ 74.3%€7k▼ 46.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €251k
Fixed assets
€249k▼ 5.3%
Current assets
€3k▼ 73.9%
Equity and liabilities €251k
Equity
€52k▲ 16.5%
Debt
€199k▼ 12.7%
The debt ratio falls from 83.7% to 79.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €36k
Cash flow
€21k▼
2024 · €27k
Solvency
20.6%▲
2024 · 16.3%
Current ratio
0.12▼
2024 · 0.38
Quick ratio
0.12▼
2024 · 0.38
Debt / equity
3.85▼
2024 · 5.13
ROE
14.2%▼
2024 · 30.7%
ROA
2.9%▼
2024 · 5.0%
Interest coverage
8.04▼
2024 · 9.32
Debt
€199k▼
2024 · €228k
Debt ≤ 1 year
€23k▼
2024 · €28k
Debt > 1 year
€175k▼
2024 · €199k
Income taxes
€3k▼
2024 · €5k
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€273k€251k▼
Fixed assets21/28€262k€249k▼
Tangible fixed assets22/27€262k€249k▼
Land and buildings22€251k€242k▼
Plant, machinery and equipment23€12k€6k▼
Current assets29/58€11k€3k▼
Amounts receivable within one year40/41€555€2k▲
Other amounts receivable41€555€2k▲
Cash at bank and in hand54/58€10k€263▼
Deferred charges and accrued income490/1€510€513▲
Equity and liabilities
Total equity and liabilities10/49€273k€251k▼
Equity10/15€44k€52k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€26k€33k▲
Amounts payable17/49€228k€199k▼
Amounts payable after more than one year17€199k€175k▼
Financial debts170/4€199k€106k▼
Other amounts payable178/9-€68k
Amounts payable within one year42/48€28k€23k▼
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€3k€395▼
Suppliers440/4€3k€395▼
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€2k€281▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€40k€31k▼
Operating profit (loss)9901€22k€14k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€18k€10k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€14k€7k▼
Profit (loss) for the period to be appropriated9905€14k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€33k▲
Profit (loss) brought forward from the previous period14P€12k€26k▲
The notes to these accounts (5 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
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.
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, Oudergem · 1 establishment unit since 2016
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.
Vorstlaan 348/711160 OudergemGround area
3,736 m²
Building footprint
963 m²
Volume, LiDAR
30,549 m³
Parcel 21332B0491/00P007, Brussels · tallest building 35.2 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
STEP2B
since 20162.251.265.179
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0491/00P007 | Brussels | 3,736 m² | 1 · 963 m² | 35.2 m · 11 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.
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ADK CONSULT
BE 0779.528.424
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DRIEKOMMAVEERTIEN
BE 0843.168.441
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MaPos
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Dinant · Eq €52k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 38,260 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-02-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.