STEP4
ActiveSummary
STEP4 has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €8k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 73% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-5
Solvency100▲+7
Growth52=
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.93 against 3.12 in 2024; short-term debt: 25.1% and cash: 95.7% of total assets), and 25.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
74.9%
Return on assets
9.4%
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 24-03-2026, 129 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
129 d early
2024
134 d early
2023
113 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€67k▲ 14.4%
2024 · €58k
2023: €46klowest in 3 years
2024: €58k▲ +25.3% vs 2023
2025: €67k▲ +14.4% vs 2024highest in 3 years
2023 → 2025
Total assets
€89k▲ 3.9%
2024 · €86k
2023: €66klowest in 3 years
2024: €86k▲ +28.9% vs 2023
2025: €89k▲ +3.9% vs 2024highest in 3 years
2023 → 2025
Net result
€8k▼ 28.9%
2024 · €12k
2023: €44khighest in 3 years
2024: €12k▼ -73.5% vs 2023
2025: €8k▼ -28.9% vs 2024lowest in 3 years
2023 → 2025
Working capital
€65k▲ 13.0%
2024 · €58k
2023: €46klowest in 3 years
2024: €58k▲ +26.4% vs 2023
2025: €65k▲ +13.0% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€46k-€58k▲ 25.3%€67k▲ 14.4%
2023: €46klowest in 3 years
2024: €58k▲ +25.3% vs 2023
2025: €67k▲ +14.4% vs 2024highest in 3 years
Operating result€60k-€12k▼ 80.2%€12k▼ 2.3%
2023: €60khighest in 3 years
2024: €12k▼ -80.2% vs 2023
2025: €12k▼ -2.3% vs 2024lowest in 3 years
Net result€44k-€12k▼ 73.5%€8k▼ 28.9%
2023: €44khighest in 3 years
2024: €12k▼ -73.5% vs 2023
2025: €8k▼ -28.9% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 2% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€1k ▲ 225%
Current assets
€88k ▲ 3.0%
Equity and liabilities €89k
Equity
€67k ▲ 14.4%
Debt
€22k ▼ 18.3%
Debt's share of the balance-sheet total falls from 31.9% to 25.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▲
2024 · €12k
Cash flow
€9k▼
2024 · €12k
Current ratio
3.93▲
2024 · 3.12
Debt to equity
0.33▼
2024 · 0.47
ROE
12.6%▼
2024 · 20.2%
ROA
9.4%▼
2024 · 13.8%
Interest coverage
87.48▲
2024 · 82.95
Debt ≤ 1 year
€22k▼
2024 · €27k
Income taxes
€3k▲
2024 · €-87
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€86k€89k▲
Fixed assets21/28€383€1k▲
Tangible fixed assets22/27€383€1k▲
Furniture and vehicles24€383€1k▲
Current assets29/58€85k€88k▲
Amounts receivable within one year40/41-€3k
Trade receivables40-€3k
Cash at bank and in hand54/58€85k€85k=
Equity and liabilities
Total equity and liabilities10/49€86k€89k▲
Equity10/15€58k€67k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€56k€65k▲
Amounts payable17/49€27k€22k▼
Amounts payable within one year42/48€27k€22k▼
Trade debts44€504€2k▲
Suppliers440/4€504€2k▲
Taxes, remuneration and social security45€25k€16k▼
Taxes450/3€25k€16k▼
Other amounts payable47/48€2k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€312€614▲
Other operating charges640/8€459€465▲
Gross operating margin9900€13k€13k▲
Operating profit (loss)9901€12k€12k▼
Financial charges65/66B€146€139▼
Recurring financial charges65€146€139▼
Profit (loss) for the period before taxes9903€12k€11k▼
Income taxes67/77€-87€3k▲
Profit (loss) for the period9904€12k€8k▼
Profit (loss) for the period to be appropriated9905€12k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€65k▲
Profit (loss) brought forward from the previous period14P€44k€56k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €241 | €312 | €614 | ▲ 96.8% |
| Other operating charges640/8 | €1k | €459 | €465 | ▲ 1.3% |
| Gross operating margin9900 | €61k | €13k | €13k | ▲ 0.3% |
| Operating profit (loss)9901 | €60k | €12k | €12k | ▼ 2.3% |
| Financial charges65/66B | €44 | €146 | €139 | ▼ 5.0% |
| Recurring financial charges65 | €44 | €146 | €139 | ▼ 5.0% |
| Profit (loss) for the period before taxes9903 | €60k | €12k | €11k | ▼ 2.3% |
| Income taxes67/77 | €15k | €-87 | €3k | ▲ 3,618% |
| Profit (loss) for the period9904 | €44k | €12k | €8k | ▼ 28.9% |
| Profit (loss) for the period to be appropriated9905 | €44k | €12k | €8k | ▼ 28.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €66k | €86k | €89k | ▲ 3.9% |
| Fixed assets21/28 | €695 | €383 | €1k | ▲ 225% |
| Tangible fixed assets22/27 | €695 | €383 | €1k | ▲ 225% |
| Furniture and vehicles24 | €695 | €383 | €1k | ▲ 225% |
| Current assets29/58 | €66k | €85k | €88k | ▲ 3.0% |
| Amounts receivable within one year40/41 | €141 | - | €3k | - |
| Trade receivables40 | €141 | - | €3k | - |
| Cash at bank and in hand54/58 | €66k | €85k | €85k | = |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €66k | €86k | €89k | ▲ 3.9% |
| Equity10/15 | €46k | €58k | €67k | ▲ 14.4% |
| Contributions10/11 | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €44k | €56k | €65k | ▲ 14.9% |
| Amounts payable17/49 | €20k | €27k | €22k | ▼ 18.3% |
| Amounts payable within one year42/48 | €20k | €27k | €22k | ▼ 18.3% |
| Trade debts44 | €1k | €504 | €2k | ▲ 372% |
| Suppliers440/4 | €1k | €504 | €2k | ▲ 372% |
| Taxes, remuneration and social security45 | €18k | €25k | €16k | ▼ 36.1% |
| Taxes450/3 | €18k | €25k | €16k | ▼ 36.1% |
| Other amounts payable47/48 | €362 | €2k | €4k | ▲ 142% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €44k | €12k | €8k | ▼ 28.9% |
| + Depreciation and write-downs630 | €241 | €312 | €614 | ▲ 96.8% |
| Operating cash flow (approximation) | €45k | €12k | €9k | ▼ 25.7% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | - |
| Change in cash | - | €20k | €-26 | ▼ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €8k ▼28.9%
Net result drops to €8k, the lowest in the series.
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Braine-l'Alleud · 1 establishment unit since 2022
Ground area
278 m²
Building footprint
63 m²
Volume, LiDAR
603 m³
Parcel 25742H0082/00N000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
STEP4
since 20222.340.590.796
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25742H0082/00N000 | Wallonia | 278 m² | 1 · 63 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 24,497 companies in sector 82990 we hold annual accounts for 9,406. 7,080 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.