Active BE 0881.409.405Private limited company

STEPCOM

Gevaertlaan 52 ·2260 Westerlo, Belgium· 20 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

STEPCOM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €789k and a net result of €9k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 78% of 7837 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€789k
Net result	€9k
Better than sector	78%
Active	20 yrs

Financial profile 4 of 5 axes measured · computed by Checked

66 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 6

Solvency 100

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2006, 20 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview20 NBB filings

Annual accounts filed on 27-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~70% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	80.9%	51.3%	better than 78% of 7837 sector peers
Net result	€9k	€33k	better than 30% of 7841 sector peers
Equity	€789k	€132k	better than 86% of 7843 sector peers
Gross operating margin	€61k	€63k	better than 49% of 7830 sector peers
Total assets	€975k	€337k	better than 77% of 7840 sector peers

Net profit

€9k

- 21-25

Total assets

€975k

-19.3% 21-25

Equity

€789k

+1.1% 21-25

Staff costs

€784

- 21-25

Income taxes

€6k

-60.4% 21-25

Debt

€187k

-56.4% 21-25

Debt ≤ 1y

€155k

-57.4% 21-25

Debt > 1y

€32k

-51.0% 21-25

Solvency

80.9%

+25.3% 21-25

ROE

1.1%

- 21-25

ROA

0.9%

- 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€9k	€-32k	€-19k	€119	€7k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-	€784
Income taxes	€6k	€14k	€650	€3k	€4k
Dividends	-	-	-	-	-
Total assets	€975k	€1.21M	€1.48M	€1.75M	€2.05M
Equity	€789k	€780k	€812k	€831k	€831k
Debt	€187k	€429k	€643k	€884k	€1.19M
of which ≤ 1y	€155k	€363k	€419k	€720k	€1.12M
of which > 1y	€32k	€65k	€224k	€164k	€67k
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-	-

Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	80.9%	64.5%	54.7%	47.6%	40.6%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	0.9%	-2.7%	-1.3%	0.0%	0.3%
ROE	1.1%	-4.1%	-2.3%	0.0%	0.8%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €537k · 55.0% Current assets €439k · 45.0%

Equity & liabilities

Equity €789k · 80.9% Debt €187k · 19.1%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€975k	€1.21M	€1.48M	€1.75M	€2.05M
Fixed assets	21/28	€537k	€585k	€961k	€884k	€565k
Tangible fixed assets	22/27	€537k	€585k	€961k	€884k	€565k
Current assets	29/58	€439k	€623k	€524k	€862k	€1.48M
Stocks & contracts in progress	3	€110k	€110k	€110k	€110k	€1.12M
Amounts receivable within one year	40/41	€265k	€269k	€275k	€204k	€181k
Cash & bank	54/58	€59k	€239k	€133k	€103k	€175k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€975k	€1.21M	€1.48M	€1.75M	€2.05M
Equity	10/15	€789k	€780k	€812k	€831k	€831k
Contributions / capital	10/11	€117k	€117k	€117k	€117k	€130k
Reserves	13	€671k	€662k	€695k	€714k	€701k
Provisions & deferred taxes	16	-	€0	€29k	€30k	€30k
Amounts payable	17/49	€187k	€429k	€643k	€884k	€1.19M
Amounts payable after one year	17	€32k	€65k	€224k	€164k	€67k
Amounts payable within one year	42/48	€155k	€363k	€419k	€720k	€1.12M
Trade debts payable within one year	44	€0	€3k	€27	€5k	€5k
Income statement
Gross operating margin	9900	€61k	€38k	€46k	€52k	€60k
Operating result	9901	€8k	€-20k	€-15k	€19k	€36k
Financial income	75	€10k	€12k	€9k	€7k	€21
Financial charges	65	€3k	€39k	€12k	€23k	€25k
Result before taxes	9903	€15k	€-47k	€-19k	€3k	€11k
Income taxes	67/77	€6k	€14k	€650	€3k	€4k
Net result for the period	9904	€9k	€-32k	€-19k	€119	€7k
Result to be appropriated	9905	€9k	€38k	€-17k	€185	€7k

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	19-05-2006
Status	Active
Postal code	2260

Establishment units 1 location

STEPCOM

Gevaertlaan 52, 2260 WesterloNACE 7415101

since 20062.154.399.791

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13049D0115/00X000	Flanders	1,543 m²	1 · 216 m²	8.9 m · 2 fl.

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.

Updates 10 events

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Back to profitnet €9k

Net result €9k after 2 loss-making years.

31-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €-32k

Net result drops to €-32k, the lowest in the series; recovery starts the following year.

26-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

20-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

20-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

30-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

30-06

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

27-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

04-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

29-06

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.

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210

Names & trade names

Legal nameNL

STEPCOM

Similar companies Comparable size · 19,462 of 24,645 companies in this sector with filed accounts

IMMEKO BE 0891.727.136 · Knokke-Heist

L J S L BE 1008.894.525 · Bree

FUCHSIA BE 0508.763.218 · Liège

PoolNet Group BE 0741.477.502 · Geel

L-VENTURES BE 0642.731.106 · Lanaken