Equity
€16,611 ▲ 148%
Step2web has made a profit in every financial year since 2022.
Step2web
Overview
Lifetime
4 annual accounts with figures on one time axispeak €29,974 (2025)
€29,974▲ 107%
peak €9,912 (2025)
€9,912▲ 32×
peak €16,611 (2025)
€16,611▲ 148%
€27,757▼ 36.0%
Board1 name since 2021
1 directorNÉRUEZ Kevin
Documentsfilings and deeds
27-03-20264 days before the deadline
2025micro format
Gross margin from €14,446 to €29,974Result from €311 to €9,912Equity from €6,699 to €16,611Debts from €43,356 to €27,757
Key points
from the 2025 annual accountsChecked score
95
Excellent
Financially stronger than 60% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026highest value
04-2026: < 0.1%▼ -0.1 percentage points vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 1.20, cash €20,709
Size: total assets €44,368
Figures for financial year 2025 (filed on 29-03-2026)
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 62, micro). It does better than 34% of them on solvency, 50% on liquidity, 61% on profitability and 93% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-08-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as Step2web has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Step2web itself is lower: < 0.1% within 12 months. It rests on far more data about Step2web than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Step2web. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.2 (0.68 in 2024), below the usual 1.5. Short-term debt is 62.6% and cash 46.7% of total assets. 62.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 27-03-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 days early
2024
5 days early
2023
2 days early
2022
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 3 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-08-2026 is due by 31-03-2027. Nothing is late today. The company usually files around 29 March (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
31-08-2026 year end10-11-2026 today31-03-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0762684076
Incorporation
Founding capital of €1,500 · Appointment: NÉRUEZ Kevin (director) · 100 shares · published on 02-02-2021 · Gazette deed
First establishment
Rue de la Royale Harmonie 12, Braine-l'Alleud
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Step2web Braine-l'Alleud | €44,368 | €29,974 | 37.4% | - |
| MASRO SOLUTIONS Brussels | €42,347 | €29,770 | 70.1% | - |
| ITNM Beveren-Kruibeke-Zwijndrecht | €45,775 | €30,762 | 61.1% | - |
| Kluuster Pelt | €47,591 | €29,799 | 66.6% | - |
| GDL-CONSULT Genk | €45,570 | €27,527 | 49.5% | - |
| AQUI Edegem | €44,843 | €32,063 | 4.5% | - |
| BKONSULTING Anderlecht | €41,681 | €27,796 | 7.4% | - |
These companies have the same main activity as Step2web: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €41,700 and €47,600, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 29-01-2021Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 3 others
- Establishment unit
- 2.312.862.9511420 Braine-l'Alleud, since 29-01-2021
- Financial year end
- 31 August
- Peppol
- Reachable since 16-07-2025
Annual accounts to 31-08-2025
- €29,974▲ 107%
- €9,912▲ 32×
- €16,611▲ 148%
- €44,368▼ 11.4%
- Filing
- Filed on 27-03-2026, 4 days before the end of the filing period
Insights on Step2web
Step2web files the micro format. That format states no turnover. The gross margin rose from €19,912 in 2022 to €29,974 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 27-03-2026, 4 days before the deadline€29,974
▲ 107%
€17,684
▲ 648%
€29,865
▲ 108%
€22,093
▲ 79.2%
37.4%
▲ 24.1 percentage points
1.20
▲ 0.52
Money flows
no detail for 2025Balance sheet
balance sheet total €44,368 on 31-08-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
37.4%
Higher than 32% of 21,208 companies in 2025.
1.20
Higher than 25% of 20,571 companies in 2025.
22.3%
Higher than 56% of 20,746 companies in 2025.
Step2web
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
44,368 | 50,055 | 57,539 | 55,080 | |
21/28 |
11,088 | 20,696 | 32,712 | 40,839 | |
22/27 |
11,088 | 20,346 | 32,362 | 40,239 | |
24 |
9,162 | 17,585 | 28,766 | 40,239 | |
26 |
1,926 | 2,761 | 3,596 | - | |
28 |
- | 350 | 350 | 600 | |
29/58 |
33,280 | 29,359 | 24,827 | 14,241 | |
40/41 |
10,329 | 6,126 | 5,595 | 4,594 | |
40 |
10,329 | 4,139 | 5,428 | 2,279 | |
41 |
- | 1,987 | 167 | 2,315 | |
54/58 |
20,709 | 21,071 | 17,717 | 8,220 | |
490/1 |
2,242 | 2,162 | 1,515 | 1,427 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
44,368 | 50,055 | 57,539 | 55,080 | |
10/15 |
16,611 | 6,699 | 6,388 | 1,725 | |
10/11 |
1,500 | 1,500 | 1,500 | 1,500 | |
13 |
14,950 | 5,100 | 4,800 | 200 | |
133 |
14,950 | 5,100 | 4,800 | 200 | |
14 |
161 | 99 | 88 | 25 | |
17/49 |
27,757 | 43,356 | 51,151 | 53,355 | |
42/48 |
27,757 | 43,356 | 51,151 | 53,034 | |
44 |
1,690 | 3,038 | 1,332 | 854 | |
440/4 |
1,690 | 3,038 | 1,332 | 854 | |
45 |
5,121 | 390 | 1,291 | - | |
450/3 |
5,121 | 390 | 1,291 | - | |
47/48 |
20,946 | 39,928 | 48,528 | 52,180 | |
492/3 |
- | - | - | 321 | |
| Income statement | |||||
70 |
- | - | - | 79,784 | |
9900 |
29,974 | 14,446 | 20,140 | 19,912 | |
60/61 |
- | - | - | 68,382 | |
630 |
12,181 | 12,016 | 12,052 | 15,332 | |
640/8 |
109 | 67 | - | - | |
9901 |
17,684 | 2,363 | 8,088 | 4,580 | |
75/76B |
- | 82 | 31 | 31 | |
75 |
- | 82 | 31 | 31 | |
65/66B |
198 | 121 | 123 | 70 | |
65 |
198 | 121 | 123 | 70 | |
9903 |
17,486 | 2,324 | 7,996 | 4,541 | |
67/77 |
7,574 | 2,013 | 3,333 | 2,966 | |
9904 |
9,912 | 311 | 4,663 | 1,575 | |
9905 |
9,912 | 311 | 4,663 | 1,575 | |
| Appropriation of the result | |||||
9906 |
10,011 | 399 | 4,688 | 1,575 | |
14P |
99 | 88 | 25 | - | |
691/2 |
9,850 | 300 | 4,600 | 200 | |
6921 |
9,850 | 300 | 4,600 | 200 | |
694/7 |
- | - | - | 1,350 | |
695 |
- | - | - | 1,350 | |
| Document | |||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 27-03-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 29,865 | 14,379 | 20,140 | 19,912 | ||
| 22,093 | 12,327 | 16,715 | 16,907 | ||
| 2,923 | 0 | 4,525 | 56,171 | ||
| -362 | 3,354 | 9,497 | - | ||
| 5,523 | -13,997 | -26,324 | -38,793 | ||
| - | - | - | 5.7% | ||
| 37.4% | 13.4% | 11.1% | 3.1% | ||
| 1.20 | 0.68 | 0.49 | 0.27 | ||
| 1.67 | 6.47 | 8.01 | 30.93 | ||
| 59.7% | 4.6% | 73.0% | 91.3% | ||
| 22.3% | 0.6% | 8.1% | 2.9% | ||
| over 100 | over 100 | over 100 | over 100 | ||
| - | - | - | 10 days | ||
| - | - | - | 5 days |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 31-08-2025 | 31-08-2024 | 31-08-2023 | 31-08-2022 |
|---|---|---|---|---|
| Tangible fixed assets | €2,923 | - | €4,175 | €55,571 |
| Financial fixed assets | - | - | €350 | €600 |
| €12,181 | €12,016 | €12,052 | €15,332 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on Step2web
The operating result for 2025 is 7.5 times that of 2024 and the highest since 2022. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 86.6% to 62.6%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 29-01-2021
term without a fixed end
listed in the 2025 annual accounts, filed on 27-03-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 11. Pouvoirs de l’organe d’administration. S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”deed of 02-02-2021
Mandates through the years
1 name, the dashed line is todayNÉRUEZ Kevin
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- NÉRUEZ Kevin
- Director (not named in the articles), from 29-01-2021 to date
Control
Capital
- Contribution
- €1,500
- Source
- deed of 02-02-2021
Articles of association
deed of 02-02-2021 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of February at 17:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Network & group
No group
Step2web has no parent and no holdings in its annual accounts. NÉRUEZ Kevin is the only director. Step2web shares no director with another company.
At the same address
Rue de la Royale Harmonie 12, 1420 Braine-l'Alleud · 1 other company| Aagaard, Tina (sole trader)
establishment since 11-01-2016 |
founded in 2016 0645.800.363 |
Timeline
Timeline
9 events since 2021Filings
Financial
Establishments
202220242026
Deadline for the 2026 accounts: 31-03-2027
2026
Annual accounts 2025 filed PDFmicro format · 4 days before the deadline
2025
Highest result from 2022 to 2025 net €9,912 ▲3,087% The operating result of €17,684 and the net result of €9,912 are both a record.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0762684076
Annual accounts 2024 filed PDFmicro format · 5 days before the deadline
2024
Weakest financial year net €311 ▼93.3% The net result drops to €311, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 2 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · on the deadline day
2021
IncorporationFounding capital of €1,500 · Appointment: NÉRUEZ Kevin (director) · 100 shares · published on 02-02-20214 points ▸
- Founding capital, €1,500
- 100 shares
- Registered office clause, rue de la Royale Harmonie 12, 1420 Braine-l'Alleud
- Director appointment, NÉRUEZ Kevin (director (not named in the articles))
- The deed holds 3 more points.
First establishment Rue de la Royale Harmonie 12, Braine-l'Alleud
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 29 January 2021, Step2web was incorporated as a private limited company, with a starting capital of €1,500.12 NÉRUEZ Kevin has served as director since 2021.3 Total assets went from €55,080 in 2022 to €44,368 in 2025.4
Company details
Identity
- Enterprise number
- 0762.684.076
- VAT number
- BE 0762.684.076
- Peppol ID
- 0208:0762684076
- Other Peppol ID
- 9925:BE0762684076
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-01-2021
- Financial year
- ends on 31 August
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of February at 17:00deed of 02-02-2021 (in French)
- Peppol
- Reachable since 16-07-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Step2web in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 02-02-2021 (in French)
- Name clauseThe company operates under this name according to its articles.
- Step2webdeed of 02-02-2021 (in French)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
62100
Computer programming
63910
Web portal activities
Codes under NACEBEL 2008
62020
IT consultancy main activity
62010
Computer programming, consultancy and related activities
62090
Computer programming, consultancy and related activities
63120
Computing infrastructure, data processing, hosting and other information service activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Conseil informatique; Programmation informatique; Activités de conseil aux utilisateurs concernant le type et la configuration du matériel…”deed of 02-02-2021 (in French)
15 activities
- Conseil informatique
- Programmation informatique
- Activités de conseil aux utilisateurs concernant le type et la configuration du matériel informatique et les applications logicielles
- Activités des intégrateurs de réseaux
- Gestion d'installations informatiques
- Autres activités informatiques
- Autres activités graphiques
- Traitement de données,hébergement et activités connexes
- Traitement en continu ou non de données à l'aide,soit du programme du client,soit d'un programme propre à un constructeur:service de saisie de données,traitement complet de données
- Gestion et exploitation en continu de matériel informatique appartenant à des tiers
- Portails Internet
- Conseils et assistance opérationnelle aux entreprises dans les domaines des relations publiques et de la communication
- Activités des agences de publicité
- Toutes opérations immobilières généralement quelconques et,notamment,l'achat,la vente,la promotion,la mise en valeur,la construction,l'appropriation,la transformation,l'exploitation,la location ou la prise en location et la mise en gestion,le lotissement,l'administration,la division horizontale et la mise en copropriété forcée de tous biens immeubles,le tout à l'exclusion des activités dont l'exercice est soumis par la législation à une habilitation spécifique
- L'étude,le conseil et toutes prestations de services dans le cadre des activités prédécrites
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue de la Royale Harmonie 12 registered office 1420 Braine-l'Alleud | 29-01-2021 | 2.312.862.951 |
Buildings and parcels at the address
- Ground area
- 457 m²
- Buildings
- 94 m²
- Volume, LiDAR
- 701 m³
- Tallest building
- 8.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25014N0775/00N000 | 457 m² | 1 · 94 m² | 8.8 m · 3 |
Contact
Website
www.step2web.be establishment in Braine-l'Alleud