Equity
€308,075 ▲ 2.8%
STEPIN has made a profit without a break since 2020.
STEPIN
Lifetime
8 annual accounts with figures on one time axispeak €448,029 (2024)
€393,769▼ 12.1%
lowest -€2,641 (2019)
€8,476▼ 88.6%
peak €308,075 (2025)
€308,075▲ 2.8%
€2.4m▼ 4.7%
peak 1.2 FTE (2025)
1.2 FTE▲ 9.1%
Board2 names since 2021
2 directorsPINSON Steve and 1 other
Documentsfilings and deeds
08-05-202684 days before the deadline
2025abbreviated format
Gross margin from €448,029 to €393,769Result from €74,136 to €8,476Staff from 1.1 FTE to 1.2 FTECash from €13,703 to €71,384
Key points
from the 2025 annual accountsResult
€8,476 ▼ 88.6%
The result fell in 2025: the 2024 profit included a one-off income of €131,381.
Turnover
≈ €930,000 estimated
The accounts state no turnover.
Debts
€2.4m 89% of the balance sheet
Financial debts 73%Suppliers 4%Taxes and wages 1%Other 23%
€1.8m of the debts are secured on the company's own assets. In 2024 that was €2.0m.
Staff
1 employees on 31-12-2025
In 2025, 3 people joined and 3 left.
Filings
8 annual accounts 6 late
The 2022 accounts came latest: 71 days after the end of the period.
Checked score
80
Excellent
Financially stronger than 41% of micro companies in rental and leasing (NACE 77)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.5% across 3,166 companies (NACE 77, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.7%
01-2025: 1.8%▲ +0.1 percentage points vs 12-2024
02-2025: 1.8%● unchanged vs 01-2025
03-2025: 2.1%▲ +0.3 percentage points vs 02-2025
04-2025: 2.2%▲ +0.1 percentage points vs 03-2025
05-2025: 2.7%▲ +0.5 percentage points vs 04-2025
06-2025: 3.3%▲ +0.6 percentage points vs 05-2025highest value
07-2025: 2.1%▼ -1.2 percentage points vs 06-2025
08-2025: 2.1%● unchanged vs 07-2025
09-2025: 2.1%● unchanged vs 08-2025
10-2025: 2.0%▼ -0.1 percentage points vs 09-2025
11-2025: 2.0%● unchanged vs 10-2025
12-2025: 2.0%● unchanged vs 11-2025
01-2026: 1.2%▼ -0.8 percentage points vs 12-2025
02-2026: 1.2%● unchanged vs 01-2026
03-2026: 1.5%▲ +0.3 percentage points vs 02-2026
04-2026: 1.4%▼ -0.1 percentage points vs 03-2026
05-2026: 1.4%● unchanged vs 04-2026
06-2026: 0.6%▼ -0.8 percentage points vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026lowest value
08-2026: 0.6%● unchanged vs 07-2026lowest value
09-2026: 0.6%● unchanged vs 08-2026lowest value
10-2026: 0.6%● unchanged vs 09-2026lowest value
11-2026: 0.6%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Equity €308,075 (11.3% of total assets)
Liquidity: current ratio 0.40, cash €71,384
lowers risk
Size: 1.2 FTE, total assets €2.7m
Figures for financial year 2025 (filed on 10-05-2026)
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 77, micro). It does better than 29% of them on solvency, 46% on liquidity, 41% on profitability and 50% 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 low class on 30-06-2025, 0.8% 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, 3,274 companies had the same profile as STEPIN has now. Each dot stands for 9 companies, two years later.
94.7%
were still trading
2.5%
stopped another way
2.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STEPIN itself: 0.6% within 12 months.
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 3,274 companies, not a prediction for STEPIN. 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 €24,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.4 (0.42 in 2024), below 1. Short-term debt is 24.2% and cash 2.6% of total assets. 88.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1142 sector peers (2025).
NBB · sector comparisonPosition among 1142 sector peers
Solvency
better than 23%
← weakest
strongest →
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 08-05-2026, 84 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
84 days early
2024
42 days early
2023
27 days late
2022
71 days late
2021
31 days late
2020
31 days late
2019
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 14 days after the deadline. In the sector (NACE 77), the median for financial year 2024 was 3 days before the deadline, and 39% 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 28 August (4 of the last 5 accounts filed within 70 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
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0689943974
Registered office moved to Veurne
New registered office: Monnikshoekstraat 10, 8630 Veurne · Appointment: PINSON Steve (statutory director) · Permanent representative: Wim Vermote · General meeting of 14-12-2023 · Gazette deed
Appointment: Nees Leuridan (director)
General meeting of 01-10-2022 · Gazette deed
Capital contribution: quasi-inbreng
Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEPIN Veurne | €2.7m | €393,769 | 11.3% | 1.2 |
| MIRAcam Dilbeek | €1.5m | €616,105 | 28.1% | 1.3 |
| AGORATECH Oupeye | €1.5m | €645,547 | 7.2% | 3.7 |
| GI VAN AALST Kortrijk | €0.8m | €325,362 | 45.8% | 2.7 |
| VAN ERUM BART Sint-Lievens-Houtem | €2.9m | €921,251 | 35.8% | 3.2 |
| Parallel Universe Aalst | €3.2m | €430,192 | 8.8% | 0 |
| F&Ever Mechelen | €2.2m | €880,234 | 57.1% | 4.4 |
These companies have the same main activity as STEPIN: rental and leasing activities (NACE 77222). They are comparable in size and age: total assets between €752,000 and €3.2m, founded between 2009 and 2018.
Official details
Source: KBO- Status
- Active since 09-02-2018Normal situation
- Activity
- Rental and leasing activitiesNACE 77222and 1 other
- Joint committee
- 100Auxiliary committee for blue-collar workers · annual accounts 2025
- Establishment unit
- 2.272.771.7628630 Veurne, since 09-02-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 28-10-2025
Annual accounts 2025
- €2.7m▼ 3.9%
- Employeeson 31-12-2025
- 1=
- Filing
- Filed on 08-05-2026, 84 days before the end of the filing period
Insights on STEPIN
STEPIN files the abbreviated format. That format states no turnover. The gross margin rose from €151,269 in 2018 to €393,769 in 2025.
The balance sheet grew most from 2021 to 2023 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STEPIN
- What is the company number of STEPIN?
- The company number of STEPIN is 0689.943.974. The VAT number is the same number with BE in front: BE 0689.943.974.
- Where is STEPIN based?
- The registered office is at Monnikshoekstraat 10, 8630 Veurne.Company details
- What does STEPIN do?
- According to the KBO register, the main activity is rental and leasing activities (NACE 77222).
- What is the legal form of STEPIN?
- STEPIN is a private limited company (BV).
- When was STEPIN founded?
- STEPIN was founded on 09-02-2018.
- Is STEPIN still active?
- Yes, STEPIN is an active enterprise in the KBO register.
- How many employees does STEPIN have?
- STEPIN had an average of 1.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does STEPIN fall under?
- In its 2025 annual accounts, STEPIN states joint committee 100 (Auxiliary committee for blue-collar workers).
- What is the turnover of STEPIN?
- The turnover in financial year 2025 is ≈ €930,000. This figure is estimated from the gross margin of €393,769 and 2,275 comparable companies of the same size. It probably lies between €560,000 and €1.6m. It is a rough estimate.
- Is STEPIN profitable?
- In financial year 2025, STEPIN made a profit of €8,476.
- Where can I find the annual accounts of STEPIN?
- STEPIN filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEPIN due?
- STEPIN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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