STEPFORWARD
ActiveSummary
STEPFORWARD has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €13k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 7.42 against 5.44 in 2024; short-term debt: 13.5% and cash: 0% of total assets), and 14% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
86%
Return on assets
9.5%
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
65 d early
2023
26 d early
2022
31 d late
2021
72 d late
2020
29 d late
2019
70 d late
← 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
€116k▲ 12.4%
2024 · €103k
2018: €49k
2019: €47k▼ -3.8% vs 2018
2020: €49k▲ +2.6% vs 2019
2021: €46k▼ -6.0% vs 2020lowest in 8 years
2022: €60k▲ +32.5% vs 2021
2023: €84k▲ +38.9% vs 2022
2024: €103k▲ +22.9% vs 2023
2025: €116k▲ +12.4% vs 2024highest in 8 years
2018 → 2025
Total assets
€135k▲ 6.7%
2024 · €126k
2018: €69k
2019: €65k▼ -6.3% vs 2018
2020: €67k▲ +2.3% vs 2019
2021: €64k▼ -3.5% vs 2020lowest in 8 years
2022: €78k▲ +21.0% vs 2021
2023: €106k▲ +36.4% vs 2022
2024: €126k▲ +19.2% vs 2023
2025: €135k▲ +6.7% vs 2024highest in 8 years
2018 → 2025
Net result
€13k▼ 33.7%
2024 · €19k
2018: €-6klowest in 8 years
2019: €-2k▲ +67.7% vs 2018
2020: €1k▲ +165% vs 2019
2021: €-3k▼ -342% vs 2020
2022: €15k▲ +606% vs 2021
2023: €23k▲ +58.5% vs 2022highest in 8 years
2024: €19k▼ -18.1% vs 2023
2025: €13k▼ -33.7% vs 2024
2018 → 2025
Working capital
€116k▲ 13.1%
2024 · €103k
2018: €44klowest in 8 years
2019: €44k▲ +0.7% vs 2018
2020: €48k▲ +7.6% vs 2019
2021: €45k▼ -5.7% vs 2020
2022: €60k▲ +33.6% vs 2021
2023: €84k▲ +39.6% vs 2022
2024: €103k▲ +23.1% vs 2023
2025: €116k▲ +13.1% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€60k▲ 32.5%€84k▲ 38.9%€103k▲ 22.9%€116k▲ 12.4%
2021: €46klowest in 5 years
2022: €60k▲ +32.5% vs 2021
2023: €84k▲ +38.9% vs 2022
2024: €103k▲ +22.9% vs 2023
2025: €116k▲ +12.4% vs 2024highest in 5 years
Operating result€-1k-€22k€34k▲ 53.6%€27k▼ 19.5%€18k▼ 32.7%
2021: €-1klowest in 5 years
2022: €22k▲ +1656% vs 2021
2023: €34k▲ +53.6% vs 2022highest in 5 years
2024: €27k▼ -19.5% vs 2023
2025: €18k▼ -32.7% vs 2024
Net result€-3k-€15k€23k▲ 58.5%€19k▼ 18.1%€13k▼ 33.7%
2021: €-3klowest in 5 years
2022: €15k▲ +606% vs 2021
2023: €23k▲ +58.5% vs 2022highest in 5 years
2024: €19k▼ -18.1% vs 2023
2025: €13k▼ -33.7% vs 2024
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 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€210 ▼ 21.0%
Current assets
€135k ▲ 6.7%
Equity and liabilities €135k
Equity
€116k ▲ 12.4%
Debt
€19k ▼ 18.7%
Debt's share of the balance-sheet total falls from 18.3% to 14.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▼
2024 · €27k
Cash flow
€13k▼
2024 · €19k
Current ratio
7.42▲
2024 · 5.44
Debt to equity
0.16▼
2024 · 0.22
ROE
11.0%▼
2024 · 18.6%
ROA
9.5%▼
2024 · 15.2%
Interest coverage
24.11▼
2024 · 43.30
Debt ≤ 1 year
€18k▼
2024 · €23k
Income taxes
€5k▼
2024 · €7k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€126k€135k▲
Fixed assets21/28€266€210▼
Tangible fixed assets22/27€56-
Other tangible fixed assets26€56-
Financial fixed assets28€210€210=
Current assets29/58€126k€135k▲
Amounts receivable within one year40/41€126k€135k▲
Trade receivables40€9k€11k▲
Other amounts receivable41€117k€124k▲
Cash at bank and in hand54/58€1€0▼
Equity and liabilities
Total equity and liabilities10/49€126k€135k▲
Equity10/15€103k€116k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€89k€102k▲
Amounts payable17/49€23k€19k▼
Amounts payable within one year42/48€23k€18k▼
Financial debts43€5k€5k▼
Credit institutions430/8€5k€5k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€16k€12k▼
Accrued charges and deferred income492/3-€701
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56€56▼
Other operating charges640/8€387€400▲
Gross operating margin9900€28k€19k▼
Operating profit (loss)9901€27k€18k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€629€761▲
Recurring financial charges65€629€761▲
Profit (loss) for the period before taxes9903€27k€18k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€19k€13k▼
Profit (loss) for the period to be appropriated9905€19k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€102k▲
Profit (loss) brought forward from the previous period14P€70k€89k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €230 | €230 | €230 | €56 | €56 | ▼ 0.1% |
| Other operating charges640/8 | - | €348 | €384 | €387 | €400 | ▲ 3.2% |
| Non-recurring operating charges66A | - | €3k | - | - | - | - |
| Gross operating margin9900 | €-1k | €25k | €34k | €28k | €19k | ▼ 32.1% |
| Operating profit (loss)9901 | €-1k | €22k | €34k | €27k | €18k | ▼ 32.7% |
| Financial income75/76B | €0 | €1 | - | €0 | - | - |
| Recurring financial income75 | €0 | €1 | - | €0 | - | - |
| Financial charges65/66B | €746 | €1k | €1k | €629 | €761 | ▲ 21.0% |
| Recurring financial charges65 | €746 | €1k | €1k | €629 | €761 | ▲ 21.0% |
| Profit (loss) for the period before taxes9903 | €-2k | €21k | €32k | €27k | €18k | ▼ 33.9% |
| Income taxes67/77 | €771 | €6k | €9k | €7k | €5k | ▼ 34.5% |
| Profit (loss) for the period9904 | €-3k | €15k | €23k | €19k | €13k | ▼ 33.7% |
| Profit (loss) for the period to be appropriated9905 | €-3k | €15k | €23k | €19k | €13k | ▼ 33.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €64k | €78k | €106k | €126k | €135k | ▲ 6.7% |
| Fixed assets21/28 | €781 | €551 | €322 | €266 | €210 | ▼ 21.0% |
| Tangible fixed assets22/27 | €571 | €341 | €112 | €56 | - | - |
| Furniture and vehicles24 | €261 | €130 | - | - | - | - |
| Other tangible fixed assets26 | €310 | €211 | €112 | €56 | - | - |
| Financial fixed assets28 | €210 | €210 | €210 | €210 | €210 | = |
| Current assets29/58 | €63k | €77k | €106k | €126k | €135k | ▲ 6.7% |
| Amounts receivable within one year40/41 | €63k | €77k | €106k | €126k | €135k | ▲ 6.7% |
| Trade receivables40 | €9k | €6k | €8k | €9k | €11k | ▲ 20.0% |
| Other amounts receivable41 | €54k | €71k | €98k | €117k | €124k | ▲ 5.7% |
| Cash at bank and in hand54/58 | €0 | €0 | €1 | €1 | €0 | ▼ 62.3% |
| Deferred charges and accrued income490/1 | - | €192 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €64k | €78k | €106k | €126k | €135k | ▲ 6.7% |
| Equity10/15 | €46k | €60k | €84k | €103k | €116k | ▲ 12.4% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | - | - | - |
| Distributable reserves133 | - | - | - | €2k | €2k | = |
| Profit (loss) carried forward14 | €31k | €46k | €70k | €89k | €102k | ▲ 14.3% |
| Amounts payable17/49 | €19k | €17k | €22k | €23k | €19k | ▼ 18.7% |
| Amounts payable within one year42/48 | €19k | €17k | €22k | €23k | €18k | ▼ 21.7% |
| Financial debts43 | €5k | €5k | €5k | €5k | €5k | ▼ 3.6% |
| Credit institutions430/8 | €5k | €5k | €5k | €5k | €5k | ▼ 3.6% |
| Trade debts44 | €10k | €2k | €917 | €2k | €1k | ▼ 39.2% |
| Suppliers440/4 | €10k | €2k | €917 | €2k | €1k | ▼ 39.2% |
| Taxes, remuneration and social security45 | €3k | €10k | €16k | €16k | €12k | ▼ 25.5% |
| Taxes450/3 | €3k | €10k | €16k | €16k | €12k | ▼ 25.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | €701 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-3k | €15k | €23k | €19k | €13k | ▼ 33.7% |
| + Depreciation and write-downs630 | €230 | €230 | €230 | €56 | €56 | ▼ 0.1% |
| Operating cash flow (approximation) | €-3k | €15k | €24k | €19k | €13k | ▼ 33.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €0 | €1 | €0 | €-1 | ▼ 545% |
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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €103k ▲22.9%
3 profitable years in a row build equity to €103k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €23k ▲58.5%
Operating result €34k, net result €23k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
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, Anderlecht · 1 establishment unit since 2007
Ground area
2.4 ha
Building footprint
4,149 m²
Volume, LiDAR
64,261 m³
Parcel 21307F0126/00G000, Brussels · tallest building 20.6 m, ±5 floors. Linked by address, not a title deed.
91
companies at this address
See who is registered here
1 establishment unit
STEPFORWARD
since 20072.162.933.417
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21307F0126/00G000 | Brussels | 2.4 ha | 1 · 4,149 m² | 20.6 m · 5 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 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,833 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
Founded17-04-2007
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.