Summary
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 €788,678 and a net result of €8,820. Equity remains stable across the filed financial years (±0.9% per year). Its solvency ranks better than 79% of 9,723 sector peers (NACE 64, financial year 2025). The company has been active since 2006 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210
1 site
Size
€975,390total assets 2025
- Equity
- €788,678
- Profit
- €8,820
Turnover not published (abbreviated or micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts 4 days early3 deeds in the Belgian Official Gazette
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
neutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 days early
2024
on the day
2023
5 days early
2022
11 days early
2021
11 days early
2020
31 days early
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% 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 27 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €8,820
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
Equity
€788,678▲ 1.1%
2024 · €779,858
Net result
€8,820
2024 · -€32,314
Total assets
€975,390▼ 19.3%
2024 · €1.2m
Solvency
80.9%▲ 16.3pp
2024 · 64.5%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result returns to profit in 2025: €7,821 after a loss of €20,208 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.008m
2025
Net result€0.009m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.0m
2025
Equity€0.8m
2025
Debt€0.2m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.3m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)0.9%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency80.9%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.84
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.1m-€0.09m▼ 8.1%€0.1m▲ 47.3%€0.04m▼ 74.2%€0.02m▼ 46.7%-€0.02m-€0.02m▼ 30.9%€0.008m
Net result€0.05m-€0.04m▼ 16.6%€0.08mabove the sector's middle half▲ 81.0%€0.007mwithin the sector's middle half▼ 91.5%€119below the sector's middle half▼ 98.2%-€0.02mbelow the sector's middle half-€0.03mbelow the sector's middle half▼ 71.3%€0.009mwithin the sector's middle half
Equity€0.7m-€0.7m▲ 6.2%€0.8mabove the sector's middle half▲ 10.6%€0.8mwithin the sector's middle half▲ 0.8%€0.8mwithin the sector's middle half=€0.8mwithin the sector's middle half▼ 2.3%€0.8mabove the sector's middle half▼ 4.0%€0.8mabove the sector's middle half▲ 1.1%
Total assets€2.3m-€2.0m▼ 14.5%€1.7mabove the sector's middle half▼ 15.2%€2.0mwithin the sector's middle half▲ 23.6%€1.7mwithin the sector's middle half▼ 14.7%€1.5mwithin the sector's middle half▼ 15.0%€1.2mabove the sector's middle half▼ 18.6%€1.0mabove the sector's middle half▼ 19.3%
Debt€1.6m-€1.2m▼ 24.1%€0.8m▼ 31.9%€1.2m▲ 47.9%€0.9m▼ 25.4%€0.6m▼ 27.3%€0.4m▼ 33.4%€0.2m▼ 56.4%
Working capital€0.1m-€0.2m▲ 48.1%€0.3mabove the sector's middle half▲ 50.4%€0.4mabove the sector's middle half▲ 26.7%€0.1mwithin the sector's middle half▼ 61.0%€0.1mwithin the sector's middle half▼ 26.0%€0.3mabove the sector's middle half▲ 148%€0.3mabove the sector's middle half▲ 9.2%
Solvency30.7%-38.1%▲ 7.4pp49.7%within the sector's middle half▲ 11.6pp40.6%within the sector's middle half▼ 9.2pp47.6%within the sector's middle half▲ 7.0pp54.7%within the sector's middle half▲ 7.1pp64.5%within the sector's middle half▲ 9.8pp80.9%above the sector's middle half▲ 16.3pp
Current ratio1.08-1.16▲ 0.081.36within the sector's middle half▲ 0.201.33within the sector's middle half▼ 0.031.20within the sector's middle half▼ 0.131.25within the sector's middle half▲ 0.051.72within the sector's middle half▲ 0.472.84within the sector's middle half▲ 1.12
Return on assets (ROA)2.3%-2.2%▼ 0.1pp4.8%within the sector's middle half▲ 2.5pp0.3%below the sector's middle half▼ 4.4pp0.0%below the sector's middle half▼ 0.3pp-1.3%below the sector's middle half▼ 1.3pp-2.7%below the sector's middle half▼ 1.4pp0.9%below the sector's middle half▲ 3.6pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €975,390
Fixed assets
€536,555 ▼ 8.3%
Current assets
€438,836 ▼ 29.6%
Equity and liabilities €975,390
Equity
€788,678 ▲ 1.1%
Debt
€186,712 ▼ 56.4%
Debt's share of the balance-sheet total falls from 35.5% to 19.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.1%▲
2024 · -4.1%
Debt ≤ 1 year
€154,638▼
2024 · €363,149
Debt > 1 year
€32,075▼
2024 · €65,396
Income taxes
€5,732▼
2024 · €14,464
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | €3,543 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | - | - | €784 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38,115 | €18,315 | €18,089 | €22,235 | €30,455 | €55,529 | €50,113 | €48,540 | ▼ 3.1% |
| Other operating charges640/8 | - | - | - | €1,072 | €2,065 | €5,982 | €7,851 | €4,832 | ▼ 38.4% |
| Gross operating margin9900 | €143,546 | €117,632 | €158,299 | €59,795 | €51,560 | €46,072 | €37,755 | €61,193 | ▲ 62.1% |
| Operating profit (loss)9901 | €102,140 | €93,846 | €138,225 | €35,704 | €19,039 | -€15,440 | -€20,208 | €7,821 | - |
| Financial income75/76B | - | - | - | €21 | €7,229 | €8,672 | €11,650 | €10,211 | ▼ 12.3% |
| Recurring financial income75 | €19 | €1 | €15 | €21 | €7,229 | €8,672 | €11,650 | €10,211 | ▼ 12.3% |
| Financial charges65/66B | - | - | - | €24,723 | €23,391 | €12,371 | €38,765 | €3,480 | ▼ 91.0% |
| Recurring financial charges65 | €18,182 | €20,568 | €19,044 | €24,723 | €23,391 | €12,371 | €38,765 | €3,480 | ▼ 91.0% |
| Profit (loss) for the period before taxes9903 | €83,978 | €73,279 | €119,196 | €11,002 | €2,877 | -€19,139 | -€47,324 | €14,552 | - |
| Transfer from deferred taxes780 | - | - | - | - | €28 | €922 | €29,474 | €0 | ▼ 100% |
| Income taxes67/77 | €1,121 | €29,538 | €40,024 | €4,256 | €2,786 | €650 | €14,464 | €5,732 | ▼ 60.4% |
| Profit (loss) for the period9904 | €52,433 | €43,741 | €79,172 | €6,746 | €119 | -€18,867 | -€32,314 | €8,820 | - |
| Transfer from tax-exempt reserves789 | - | - | - | - | €66 | €2,195 | €70,168 | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | -€19,996 | €43,741 | €79,172 | €6,746 | €185 | -€16,672 | €37,854 | €8,820 | ▼ 76.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €2.3m | €2.0m | €1.7m | €2.0m | €1.7m | €1.5m | €1.2m | €1.0m | ▼ 19.3% |
| Fixed assets21/28 | €0.6m | €0.6m | €0.6m | €0.6m | €0.9m | €1.0m | €0.6m | €0.5m | ▼ 8.3% |
| Tangible fixed assets22/27 | €0.6m | €0.6m | €0.6m | €0.6m | €0.9m | €1.0m | €0.6m | €0.5m | ▼ 8.3% |
| Land and buildings22 | - | - | - | €0.5m | €0.9m | €0.8m | €0.5m | €0.5m | ▼ 3.9% |
| Plant, machinery and equipment23 | - | - | - | - | - | €0.003m | €0.003m | €0.001m | ▼ 59.9% |
| Furniture and vehicles24 | - | - | - | €0.02m | €0.01m | €0.006m | €0.002m | €0.001m | ▼ 75.0% |
| Leasing and similar rights25 | - | - | - | - | - | €0.1m | €0.08m | €0.06m | ▼ 31.1% |
| Current assets29/58 | €1.7m | €1.4m | €1.1m | €1.5m | €0.9m | €0.5m | €0.6m | €0.4m | ▼ 29.6% |
| Stocks and contracts in progress3 | €1.4m | €1.2m | €0.8m | €1.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Stocks30/36 | - | - | - | €1.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Amounts receivable within one year40/41 | €0.04m | €0.1m | €0.1m | €0.2m | €0.2m | €0.3m | €0.3m | €0.3m | ▼ 1.7% |
| Trade receivables40 | - | - | - | €0.008m | €0.005m | €0.002m | €0.005m | €0.003m | ▼ 46.4% |
| Other amounts receivable41 | - | - | - | €0.2m | €0.2m | €0.3m | €0.3m | €0.3m | ▼ 0.7% |
| Cash at bank and in hand54/58 | €0.2m | €0.03m | €0.2m | €0.2m | €0.1m | €0.1m | €0.2m | €0.06m | ▼ 75.3% |
| Deferred charges and accrued income490/1 | - | - | - | €0.004m | €0.4m | €0.006m | €0.004m | €0.004m | = |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €2.3m | €2.0m | €1.7m | €2.0m | €1.7m | €1.5m | €1.2m | €1.0m | ▼ 19.3% |
| Equity10/15 | €0.7m | €0.7m | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | ▲ 1.1% |
| Contributions10/11 | €0.1m | €0.1m | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Reserves13 | €0.6m | €0.6m | €0.7m | €0.7m | €0.7m | €0.7m | €0.7m | €0.7m | ▲ 1.3% |
| Tax-exempt reserves132 | - | - | - | €0.07m | €0.07m | €0.07m | €0 | - | - |
| Distributable reserves133 | - | - | - | €0.6m | €0.6m | €0.6m | €0.7m | €0.7m | ▲ 1.3% |
| Provisions and deferred taxes16 | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0 | - | - |
| Deferred taxes168 | - | - | - | €0.03m | €0.03m | €0.03m | €0 | - | - |
| Amounts payable17/49 | €1.6m | €1.2m | €0.8m | €1.2m | €0.9m | €0.6m | €0.4m | €0.2m | ▼ 56.4% |
| Amounts payable after more than one year17 | - | - | - | €0.07m | €0.2m | €0.2m | €0.07m | €0.03m | ▼ 51.0% |
| Financial debts170/4 | - | - | - | €0.07m | €0.2m | €0.2m | €0.07m | €0.03m | ▼ 51.0% |
| Amounts payable within one year42/48 | €1.6m | €1.2m | €0.8m | €1.1m | €0.7m | €0.4m | €0.4m | €0.2m | ▼ 57.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.02m | €0.02m | €0.05m | €0.05m | €0.03m | ▼ 27.5% |
| Financial debts43 | - | - | - | €0.5m | €0.2m | - | - | - | - |
| Credit institutions430/8 | - | - | - | €0.5m | €0.2m | - | - | - | - |
| Trade debts44 | €0.01m | €0.002m | €0.006m | €0.005m | €0.005m | €27 | €0.003m | €0 | ▼ 100% |
| Suppliers440/4 | - | - | - | €0.005m | €0.005m | €27 | €0.003m | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | - | €0.007m | €0.009m | €0.008m | €0.03m | €0.02m | ▼ 22.9% |
| Taxes450/3 | - | - | - | €0.007m | €0.009m | €0.008m | €0.03m | €0.02m | ▼ 22.9% |
| Other amounts payable47/48 | - | - | - | €0.6m | €0.5m | €0.4m | €0.3m | €0.1m | ▼ 65.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €52,433 | €43,741 | €79,172 | €6,746 | €119 | -€18,867 | -€32,314 | €8,820 | - |
| + Depreciation and write-downs630 | €38,115 | €18,315 | €18,089 | €22,235 | €30,455 | €55,529 | €50,113 | €48,540 | ▼ 3.1% |
| Operating cash flow (approximation) | €90,548 | €62,056 | €97,261 | €28,981 | €30,574 | €36,662 | €17,798 | €57,360 | ▲ 222% |
| Investment in fixed assets (approximation) | - | €0 | -€962 | -€19,724 | -€349,799 | -€132,514 | €325,740 | €0 | ▼ 100% |
| Change in cash | - | -€166,610 | €124,599 | €17,565 | -€72,325 | €30,622 | €105,830 | -€180,015 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 20 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 27-07-2026 | 2026-00343587 |
| 31-12-2024 | micro format | 31-07-2025 | 2025-00356784 |
| 31-12-2023 | abbreviated format | 26-07-2024 | 2024-00291348 |
| 31-12-2022 | abbreviated format | 20-07-2023 | 2023-00256143 |
| 31-12-2021 | abbreviated format | 20-07-2022 | 2022-20205927 |
| 31-12-2020 | micro format | 30-06-2021 | 2021-27600481 |
| 31-12-2019 | micro format | 30-06-2020 | 2020-23100222 |
| 31-12-2018 | micro format | 27-06-2019 | 2019-23700516 |
| 31-12-2017 | micro format | 04-07-2018 | 2018-28700219 |
| 31-12-2016 | micro format | 29-06-2017 | 2017-24400271 |
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Of the 24,459 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 19,974. 13,224 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
financial year 2025 · micro format
2025
31-12
Financial
Back to profitnet €8,820
Net result €8,820 after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
31-12
Financial
Weakest financial yearnet -€32,314
Net result drops to -€32,314, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format
2023
20-07
NBB filing
Annual accounts filed
financial year 2022 · abbreviated format
2022
20-07
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format
2021
30-06
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
31-12
Financial
Highest result from 2018 to 2025net €79,172 ▲81%
Operating result €138,225, net result €79,172, both a record.
30-06
NBB filing
Annual accounts filed
financial year 2019 · micro format
2019
27-06
NBB filing
Annual accounts filed
financial year 2018 · micro format
2018
04-07
NBB filing
Annual accounts filed
financial year 2017 · micro format
2017
29-06
NBB filing
Annual accounts filed
financial year 2016 · micro format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 20 annual accounts filed, the latest 10 are here; all 20 are under Financials.
0 of 3 deeds read
About the unread acts
We know of 3 Belgian Official Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company
Founded19-05-2006
Financial year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0881409405
Also
9925:BE0881409405
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits
5 applications in Flanders since 2018 · 5 granted
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Gevel-, dak-, instandhoudings- en renovatiewerken binnen een gebouw, zonder volume- of oppervlaktewijziging
Gevel-, dak-, instandhoudings- en renovatiewerken binnen een gebouw, zonder volume- of oppervlaktewijziging
Gevel-, dak-, instandhoudings- en renovatiewerken binnen een gebouw, zonder volume- of oppervlaktewijziging
Verbouwen en/of uitbreiden zonder functiewijziging en met wijziging van het aantal woongelegenheden
Source: Omgevingsloket Vlaanderen. Flanders only: Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Westerlo · 1 establishment unit since 2006
Ground area
1,543 m²
Building footprint
216 m²
Building volume
1,262 m³
Parcel 13049D0115/00X000, Flanders · tallest building 8.9 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
STEPCOM
since 2006unit no. 2.154.399.791
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13049D0115/00X000 | Flanders | 1,543 m² | 1 · 216 m² | 8.9 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.