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STEPKEY

Active
Public limited companyfounded 199432 yrs activeHaringstraat(ITE) 3, 2222 Heist-op-den-Berg, BelgiumKBO/BCE: BE 0453.205.081
Summary

STEPKEY has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€88,536) and a net result of -€1,879. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 5% of 8997 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
STEPKEYActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Office administrative and support services
NACE 82100NACE 74142NACE 82110
1 site
Size
€3,919total assets 2025
Equity
-€88,536
Loss
-€1,879
Turnover not published (abridged schema)
Financial health
53 Fair Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 58 d early0 of 9 deeds read
Why 53Capped at 59: negative equity- Negative equity -€88,536- Loss of €1,879, the second in a row (FY 2025)+ Size: total assets €3,919+ Liquidity: current ratio 0.12, cash €3,919Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 20% of its sector peers (NACE 82, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -2259.1% of total assets
Liquidity 50=
short-term debt 828.1% · cash 100.0%
Profitability 0=
return on assets -47.9%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,453 companies)
Last 24 months 11-2024: 0.3%lowest value 12-2024: 0.3%▲ +6.2% vs 11-2024 01-2025: 0.3%▲ +25.9% vs 12-2024highest value 02-2025: 0.3%▼ -19.7% vs 01-2025 03-2025: 0.3%● 0.0% vs 02-2025 04-2025: 0.3%● 0.0% vs 03-2025 05-2025: 0.3%● 0.0% vs 04-2025 06-2025: 0.3%● 0.0% vs 05-2025 07-2025: 0.3%▼ -1.1% vs 06-2025 08-2025: 0.3%● 0.0% vs 07-2025 09-2025: 0.3%▲ +6.6% vs 08-2025 10-2025: 0.3%▼ -2.1% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▲ +17.1% vs 12-2025 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.3%● 0.0% vs 03-2026 05-2026: 0.3%● 0.0% vs 04-2026 06-2026: 0.3%● 0.0% vs 05-2026 07-2026: 0.3%▼ -1.2% vs 06-2026 08-2026: 0.3%● 0.0% vs 07-2026 09-2026: 0.3%▲ +3.9% vs 08-2026 10-2026: 0.3%▼ -1.5% vs 09-2026
  • Size: total assets €3,919 lowers the probability for this profile
  • Negative equity -€88,536 raises the probability
  • Loss of €1,879, the second in a row (FY 2025) raises the probability
  • Liquidity: current ratio 0.12, cash €3,919 lowers the probability
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 5%, liquidity 37%, profitability 5%, growth against the median 35%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €3,919
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity -€88,536
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Loss of €1,879, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.12, cash €3,919
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year -€88,536
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-12-2025, 58 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
58 d early
2024
23 d early
2023
4 d early
2022
35 d early
2021
13 d early
2020
4 d late
2019
17 d 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 21 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 8 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close03-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€88,536 View
  • Risk: 7 loss-making years in a rowloss fiscal year 2025 -€1,879 View
  • Caution: Among the weakest 5% on solvencysector median 51.0% · 8,997 companies -2259.1% View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€3,919
Loss
-€1,879
Solvency
-2259.1%
Total assets▼ 32.4%
Net result
20192025
Go to Financials

Timeline

Events
10
Since
2016
Next accounts
by 31-01-2027
  1. 04-12-2025Annual accounts filed
  2. 08-01-2025Annual accounts filed
  3. 27-01-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Office administrative and support servicesNACE 82100
Founded
10-08-1994
Year ends
30-06
Peppol
Not found in the Peppol directory
Go to Company details

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