STEPIMMO
ActiveSummary
The computed 12-month bankruptcy probability of STEPIMMO is 1.8% (moderate). The 2025 annual accounts show negative equity (-€3,806) and a net result of -€622. Equity is shrinking by about 37% per year across the filed financial years. The company has been active since 1981 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00474434.
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result stays negative: a loss of €622 in 2025 against €548 in 2024; the loss grows.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 6,621 companies that looked in July 2024 the way this one looks now, 4.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,468 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,621 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | - | €4,000 | €5,000 | - | - | - | - | - |
| Non-recurring operating income76A | - | - | - | - | - | - | - | €356 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €804 | €792 | €744 | - | - | - |
| Other operating charges640/8 | - | - | - | €348 | - | €40 | - | - | - |
| Non-recurring operating charges66A | - | - | - | €6,263 | - | - | - | - | - |
| Gross operating margin9900 | -€448 | -€565 | €3,404 | €4,196 | -€792 | -€744 | -€548 | -€622 | ▼ 13.5% |
| Operating profit (loss)9901 | -€548 | -€565 | €3,042 | -€2,415 | -€792 | -€784 | -€548 | -€622 | ▼ 13.5% |
| Financial income75/76B | - | - | - | €1 | - | - | - | - | - |
| Recurring financial income75 | - | - | - | €1 | - | - | - | - | - |
| Financial charges65/66B | - | - | - | €31 | €32 | €66 | - | - | - |
| Recurring financial charges65 | €120 | €113 | €116 | €31 | €32 | €66 | - | - | - |
| Profit (loss) for the period before taxes9903 | -€668 | -€678 | €2,926 | -€2,445 | -€824 | -€850 | -€548 | -€622 | ▼ 13.5% |
| Profit (loss) for the period9904 | -€668 | -€678 | €2,926 | -€2,445 | -€824 | -€850 | -€548 | -€622 | ▼ 13.5% |
| Profit (loss) for the period to be appropriated9905 | -€668 | -€678 | €2,926 | -€2,445 | -€824 | -€850 | -€548 | -€622 | ▼ 13.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €13,184 | €7,468 | €7,606 | €1,342 | €1,339 | €1,811 | €1,340 | €1,340 | = |
| Fixed assets21/28 | €372 | €372 | €372 | €372 | €372 | €372 | €372 | €372 | = |
| Financial fixed assets28 | €372 | €372 | €372 | €372 | €372 | €372 | €372 | €372 | = |
| Current assets29/58 | €12,812 | €7,096 | €7,234 | €970 | €967 | €1,439 | €968 | €968 | = |
| Amounts receivable within one year40/41 | €12,810 | €7,095 | €7,231 | €967 | €967 | €1,267 | €967 | €967 | = |
| Trade receivables40 | - | - | - | - | - | €300 | - | - | - |
| Other amounts receivable41 | - | - | - | €967 | €967 | €967 | €967 | €967 | = |
| Cash at bank and in hand54/58 | €2 | €1 | €3 | €3 | - | €172 | €1 | €1 | = |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €13,184 | €7,468 | €7,606 | €1,342 | €1,339 | €1,811 | €1,340 | €1,340 | = |
| Equity10/15 | -€764 | -€1,442 | €1,484 | -€961 | -€1,785 | -€2,635 | -€3,184 | -€3,806 | ▼ 19.5% |
| Contributions10/11 | €18,592 | €18,592 | - | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Contributions outside capital11 | - | - | - | €18,592 | €18,592 | - | - | - | - |
| Other1109/19 | - | - | - | €18,592 | €18,592 | - | - | - | - |
| Reserves13 | €620 | €620 | €620 | €620 | €620 | €620 | €620 | €620 | = |
| Non-distributable reserves130/1 | - | - | - | €620 | €620 | €620 | €620 | €620 | = |
| Reserves not available under the articles1311 | - | - | - | €620 | €620 | €620 | €620 | €620 | = |
| Profit (loss) carried forward14 | -€19,976 | -€20,654 | -€17,728 | -€20,173 | -€20,997 | -€21,847 | -€22,396 | -€23,018 | ▼ 2.8% |
| Amounts payable17/49 | €13,948 | €8,910 | €6,122 | €2,303 | €3,124 | €4,446 | €4,524 | €5,146 | ▲ 13.7% |
| Amounts payable within one year42/48 | €13,948 | €8,910 | €6,122 | €2,303 | €3,124 | €4,446 | €4,524 | €5,146 | ▲ 13.7% |
| Financial debts43 | - | - | - | - | €1,874 | - | - | - | - |
| Credit institutions430/8 | - | - | - | - | €1,874 | - | - | - | - |
| Trade debts44 | €1,008 | €312 | €614 | €1,118 | €871 | - | - | - | - |
| Suppliers440/4 | - | - | - | €1,118 | €871 | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €1,185 | €379 | €4,446 | €4,524 | €5,146 | ▲ 13.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€668 | -€678 | €2,926 | -€2,445 | -€824 | -€850 | -€548 | -€622 | ▼ 13.5% |
| Operating cash flow (approximation) | -€668 | -€678 | €2,926 | -€2,445 | -€824 | -€850 | -€548 | -€622 | ▼ 13.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€1 | €2 | €0 | - | - | -€171 | €0 | - |
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 45 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00474434 |
| 31-12-2024 | micro format | 29-09-2025 | 2025-00518929 |
| 31-12-2023 | micro format | 25-09-2024 | 2024-00471994 |
| 31-12-2022 | micro format | 25-07-2023 | 2023-00274693 |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20409548 |
| 31-12-2020 | micro format | 29-07-2021 | 2021-42900533 |
| 31-12-2019 | micro format | 09-10-2020 | 2020-61000365 |
| 31-12-2018 | micro format | 10-07-2019 | 2019-31300109 |
| 31-12-2017 | micro format | 25-07-2018 | 2018-37400321 |
| 31-12-2016 | micro format | 25-07-2017 | 2017-36000538 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.