Equity
€66,606 ▲ 14.4%
STEP4 has made a profit in every financial year since 2023.
STEP4
Overview
Lifetime
3 annual accounts with figures on one time axispeak €61,228 (2023)
€12,633▲ 0.3%
peak €44,474 (2023)
€8,365▼ 28.9%
peak €66,606 (2025)
€66,606▲ 14.4%
€22,287▼ 18.3%
Board2 names since 2023
2 directorsALLARDOT Cathy and 1 other
Documentsfilings and deeds
24-03-2026129 days before the deadline
2025micro format
Result from €11,768 to €8,365Equity from €58,241 to €66,606Debts from €27,279 to €22,287Investments €1,476
Key points
from the 2025 annual accountsTurnover
≈ €74,000 estimated
The micro format states no turnover.
Investments
€1,476 2.4 × depreciation
Green is investment, beige is depreciation.
Checked score
96
Excellent
Financially stronger than 69% of micro companies in office administrative support (NACE 82)
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: 0.2% across 12,672 companies (NACE 82, 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 03-2025highest value
05-2025: < 0.1%● unchanged vs 04-2025highest value
06-2025: < 0.1%● unchanged vs 05-2025highest value
07-2025: < 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%● unchanged vs 07-2025highest value
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 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2022
lowers risk
Liquidity: current ratio 3.93, cash €85,111
Sector: Office administrative, office support and other business support activities (NACE 82)
Equity €66,606 (74.9% of total assets)
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 82, micro). It does better than 75% of them on solvency, 85% on liquidity, 53% on profitability and 61% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
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, 39,278 companies had the same profile as STEP4 has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of STEP4 itself is lower: < 0.1% within 12 months. It rests on far more data about STEP4 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 39,278 companies, not a prediction for STEP4. 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 €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.93 (3.12 in 2024), above the usual 1.5. Short-term debt is 25.1% and cash 95.7% of total assets. 25.1% 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
Five signals.
lowers riskraises riskneutral
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 days early
2024
134 days early
2023
113 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 125 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 24 March (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- ROSANO David 50 sharesdeed of 02-01-2023
- ALLARDOT Cathy 50 sharesdeed of 02-01-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0795550250
Incorporation
Founding capital of €2,000, 100 shares · Founders: ROSANO David (comparant) and ALLARDOT Cathy (comparant) · Appointments: ROSANO David (director) and ALLARDOT Cathy (director) · published on 02-01-2023 · Gazette deed
First establishment
Avenue Chantecler 36, Braine-l'Alleud
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEP4 Braine-l'Alleud | €88,894 | €12,633 | 74.9% | - |
| ROSCH Hasselt | €99,361 | €13,280 | 70.0% | - |
| stop.sense.move Molenbeek-Saint-Jean | €83,655 | €14,135 | 24.2% | - |
| WORKING VISUM Antwerp | €95,222 | €13,136 | -45.7% | - |
| Capeforce Mechelen | €104,283 | €13,149 | 85.7% | - |
| Co-tchin Wemmel | €104,505 | €11,329 | 92.5% | - |
| BETO Services Genk | €78,651 | €15,077 | 48.0% | - |
These companies have the same main activity as STEP4: other business support services (NACE 82990). They are comparable in size and age: total assets between €78,700 and €105,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 29-12-2022Normal situation
- Activity
- Other business support servicesNACE 82990
- Establishment unit
- 2.340.590.7961420 Braine-l'Alleud, since 29-12-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 05-12-2025
Annual accounts 2025
- €12,633▲ 0.3%
- €8,365▼ 28.9%
- €66,606▲ 14.4%
- €88,894▲ 3.9%
- Filing
- Filed on 24-03-2026, 129 days before the end of the filing period
Insights on STEP4
STEP4 files the micro format. That format states no turnover. The gross margin fell from €61,228 in 2023 to €12,633 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 24-03-2026, 129 days before the deadline€12,633
▲ 0.3%
€11,553
▼ 2.3%
€8,365
▼ 28.9%
€65,361
▲ 13.0%
74.9%
▲ 6.8 percentage points
3.93
▲ 0.81
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €74,000. Estimated: probably between €38,000 and €140,000.
Balance sheet
balance sheet total €88,894 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
74.9%
Higher than 74% of 9,696 companies in 2025.
3.93
Higher than 74% of 9,314 companies in 2025.
9.4%
Higher than 46% of 9,438 companies in 2025.
STEP4
Middle half of the sector
80% of the sector
Micro accounts in office administrative support (NACE 82)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
88,894 | 85,520 | 66,360 | |
21/28 |
1,245 | 383 | 695 | |
22/27 |
1,245 | 383 | 695 | |
24 |
1,245 | 383 | 695 | |
29/58 |
87,648 | 85,137 | 65,665 | |
40/41 |
2,537 | - | 141 | |
40 |
2,537 | - | 141 | |
54/58 |
85,111 | 85,137 | 65,524 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
88,894 | 85,520 | 66,360 | |
10/15 |
66,606 | 58,241 | 46,474 | |
10/11 |
2,000 | 2,000 | 2,000 | |
14 |
64,606 | 56,241 | 44,474 | |
17/49 |
22,287 | 27,279 | 19,886 | |
42/48 |
22,287 | 27,279 | 19,886 | |
44 |
2,378 | 504 | 1,149 | |
440/4 |
2,378 | 504 | 1,149 | |
45 |
16,106 | 25,203 | 18,375 | |
450/3 |
16,106 | 25,203 | 18,375 | |
47/48 |
3,803 | 1,571 | 362 | |
| Income statement | ||||
9900 |
12,633 | 12,599 | 61,228 | |
630 |
614 | 312 | 241 | |
640/8 |
465 | 459 | 1,169 | |
9901 |
11,553 | 11,827 | 59,817 | |
65/66B |
139 | 146 | 44 | |
65 |
139 | 146 | 44 | |
9903 |
11,414 | 11,681 | 59,773 | |
67/77 |
3,049 | -87 | 15,299 | |
9904 |
8,365 | 11,768 | 44,474 | |
9905 |
8,365 | 11,768 | 44,474 | |
| Appropriation of the result | ||||
9906 |
64,606 | 56,241 | 44,474 | |
14P |
56,241 | 44,474 | - | |
| 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 24-03-2026.
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 |
|---|---|---|---|---|
| 12,167 | 12,139 | 60,058 | ||
| 8,979 | 12,080 | 44,715 | ||
| 1,476 | 0 | 936 | ||
| -26 | 19,613 | - | ||
| 65,361 | 57,858 | 45,779 | ||
| 74.9% | 68.1% | 70.0% | ||
| 3.93 | 3.12 | 3.30 | ||
| 0.33 | 0.47 | 0.43 | ||
| 12.6% | 20.2% | 95.7% | ||
| 9.4% | 13.8% | 67.0% | ||
| 87.48 | 82.95 | over 100 |
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 | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €1,476 | - | €936 |
| Financial fixed assets | - | €0 | - |
| €614 | €312 | €241 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on STEP4
The operating result for 2025 is 2% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Debt's share of the balance-sheet total falls from 31.9% to 25.1%. Equity is higher and debt is lower.
Board & ownership
Board
2 directors, no change since 2023Director (not named in the articles)
appointed by deed of 02-01-2023
term without a fixed end
Director (not named in the articles)
appointed by deed of 02-01-2023
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 02-01-2023
Mandates through the years
2 names, the dashed line is todayALLARDOT Cathy
Director (not named in the articles)
Director (not named in the articles)
ROSANO David
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- ALLARDOT Cathy
- Director (not named in the articles), appointed by deed of 02-01-2023, still in office
- ROSANO David
- Director (not named in the articles), appointed by deed of 02-01-2023, still in office
Control
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €666 in 2025
- Source
- deed of 02-01-2023
Articles of association
deed of 02-01-2023 (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.
- First Monday of March at 18:00
- 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
Shareholders
At incorporation
deed of 02-01-2023 ↗
- ROSANO David 50 shares (50%) · €1,000
- ALLARDOT Cathy 50 shares (50%) · €1,000
Network & group
No group
STEP4 has no parent and no holdings in its annual accounts. STEP4 shares no director with another company.
At the same address
Avenue Chantecler 36, 1420 Braine-l'Alleud · 1 other company| Cateledanse
registered office since 01-10-2020 |
founded in 2020 0750.897.289 |
Timeline
Timeline
7 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed PDFmicro format · 129 days before the deadline
2025
Weakest financial year net €8,365 ▼28.9% The net result drops to €8,365, the lowest from 2023 to 2025.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0795550250
Annual accounts 2024 filed PDFmicro format · 134 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 113 days before the deadline
2022
IncorporationFounding capital of €2,000, 100 shares · Founders: ROSANO David (comparant) and ALLARDOT Cathy (comparant) · Appointments: ROSANO David (director) and ALLARDOT Cathy (director) · published on 02-01-20238 points ▸
- Founder, ROSANO David (comparant)
- Founder, ALLARDOT Cathy (comparant)
- Founding capital, €2,000, 100 shares
- Registered office clause, Avenue Chantecler 36, 1420 Braine-l'Alleud
- Board rule, 2
- Director appointment, ROSANO David (director (not named in the articles))
- Director appointment, ALLARDOT Cathy (director (not named in the articles))
- Power of attorney, Dominique ROULEZ
- The deed holds 4 more points.
First establishment Avenue Chantecler 36, 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
Company details
Identity
- Enterprise number
- 0795.550.250
- VAT number
- BE 0795.550.250
- Peppol ID
- 0208:0795550250
- Other Peppol ID
- 9925:BE0795550250
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-12-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of March at 18:00deed of 02-01-2023 (in French)
- Peppol
- Reachable since 05-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- STEP4 in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 02-01-2023 (in French)
- Name clauseThe company operates under this name according to its articles.
- STEP4deed of 02-01-2023 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région Wallonne”deed of 02-01-2023 (in French)
Activities
NACEBEL 202582990
Other business support services main activity
Codes under NACEBEL 2008
82990
Other business support services main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations se rapportant directement ou indirectement aux activités de promotions et d'organisations d'activités sportives telles que…”deed of 02-01-2023 (in French)
7 activities
- Toutes opérations se rapportant directement ou indirectement aux activités de promotions et d'organisations d'activités sportives telles que des activités liées directement ou indirectement au milieu de la danse,d'évènements sportifs,de stages sportifs et récréatifs,de voyages à l'étranger.
- Elle pourra aussi collaborer avec tous tiers,personnes physiques ou morales afin de fournir tous avis,conseils,formations et assistance en matière de stratégie,d'organisation,de management et de gestion des ressources humaines.
- Elle dispose,d’une manière générale,d’une pleine capacité juridique pour accomplir tous les actes et opérations ayant un rapport direct ou indirect avec son objet ou qui seraient de nature à faciliter directement ou indirectement,entièrement ou partiellement,la réalisation de cet objet.
- La société a aussi pour objet,en Belgique ou à l’étranger,la constitution et la valorisation d’un patrimoine immobilier.
- Elle peut s'intéresser par voie d'association,d'apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est identique,analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés.
- Elle peut exercer les fonctions d’administrateur ou liquidateur dans d’autres sociétés.
- La société peut se porter garant ou fournir des sûretés réelles pour des sociétés ou des personnes privées,au sens le plus large.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Avenue Chantecler 36 registered office 1420 Braine-l'Alleud | 29-12-2022 | 2.340.590.796 |
Buildings and parcels at the address
- Ground area
- 278 m²
- Buildings
- 63 m²
- Volume, LiDAR
- 603 m³
- Tallest building
- 10.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25742H0082/00N000 | 278 m² | 1 · 63 m² | 10.9 m · 3 |