STEPP
ActiveSummary
STEPP has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €40k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+29
Solvency91▼-9
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 8.61 in 2024; short-term debt: 28.8% and cash: 46.1% of total assets), and 34.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
65.6%
Return on assets
34.7%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
30 d late
2023
2 d early
2022
4 d early
2021
21 d early
2020
23 d early
2019
2 d early
← 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
€76k▼ 66.1%
2024 · €223k
2018: €139k
2019: €301k▲ +117% vs 2018
2020: €408k▲ +35.3% vs 2019
2021: €472k▲ +15.8% vs 2020
2022: €547k▲ +15.8% vs 2021highest in 8 years
2023: €521k▼ -4.6% vs 2022
2024: €223k▼ -57.3% vs 2023
2025: €76k▼ -66.1% vs 2024lowest in 8 years
2018 → 2025
Total assets
€115k▼ 53.5%
2024 · €247k
2018: €692k
2019: €962k▲ +39.0% vs 2018
2020: €1.04M▲ +8.0% vs 2019
2021: €1.07M▲ +2.6% vs 2020
2022: €1.08M▲ +1.8% vs 2021highest in 8 years
2023: €1.01M▼ -7.2% vs 2022
2024: €247k▼ -75.4% vs 2023
2025: €115k▼ -53.5% vs 2024lowest in 8 years
2018 → 2025
Net result
€40k▼ 83.5%
2024 · €242k
2018: €83k
2019: €59k▼ -28.5% vs 2018
2020: €106k▲ +79.3% vs 2019
2021: €76k▼ -28.3% vs 2020
2022: €68k▼ -10.6% vs 2021
2023: €39k▼ -42.3% vs 2022lowest in 8 years
2024: €242k▲ +516% vs 2023highest in 8 years
2025: €40k▼ -83.5% vs 2024
2018 → 2025
Working capital
€50k▼ 73.4%
2024 · €188k
2018: €96k
2019: €325k▲ +237% vs 2018highest in 8 years
2020: €44k▼ -86.5% vs 2019lowest in 8 years
2021: €89k▲ +101% vs 2020
2022: €148k▲ +66.9% vs 2021
2023: €111k▼ -24.7% vs 2022
2024: €188k▲ +68.6% vs 2023
2025: €50k▼ -73.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€472k-€547k▲ 15.8%€521k▼ 4.6%€223k▼ 57.3%€76k▼ 66.1%
2021: €472k
2022: €547k▲ +15.8% vs 2021highest in 5 years
2023: €521k▼ -4.6% vs 2022
2024: €223k▼ -57.3% vs 2023
2025: €76k▼ -66.1% vs 2024lowest in 5 years
Operating result€114k-€111k▼ 2.9%€61k▼ 45.5%€10k▼ 82.9%€55k▲ 428%
2021: €114khighest in 5 years
2022: €111k▼ -2.9% vs 2021
2023: €61k▼ -45.5% vs 2022
2024: €10k▼ -82.9% vs 2023lowest in 5 years
2025: €55k▲ +428% vs 2024
Net result€76k-€68k▼ 10.6%€39k▼ 42.3%€242k▲ 516%€40k▼ 83.5%
2021: €76k
2022: €68k▼ -10.6% vs 2021
2023: €39k▼ -42.3% vs 2022lowest in 5 years
2024: €242k▲ +516% vs 2023highest in 5 years
2025: €40k▼ -83.5% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 428% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€32k ▼ 8.0%
Current assets
€83k ▼ 60.9%
Equity and liabilities €115k
Equity
€76k ▼ 66.1%
Debt
€40k ▲ 60.4%
Debt's share of the balance-sheet total rises from 10.0% to 34.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €15k
Cash flow
€53k▼
2024 · €247k
Current ratio
2.50▼
2024 · 8.61
Debt to equity
0.52▲
2024 · 0.11
ROE
52.9%▼
2024 · 108.9%
ROA
34.7%▼
2024 · 98.0%
Interest coverage
62.71▲
2024 · 2.57
Debt ≤ 1 year
€33k▲
2024 · €25k
Debt > 1 year
€6k
Income taxes
€14k▼
2024 · €80k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€247k€115k▼
Formation expenses20€585€390▼
Fixed assets21/28€34k€32k▼
Tangible fixed assets22/27€34k€32k▼
Plant, machinery and equipment23€1k€803▼
Furniture and vehicles24€33k€31k▼
Current assets29/58€212k€83k▼
Amounts receivable within one year40/41€104k€29k▼
Trade receivables40€28k€18k▼
Other amounts receivable41€76k€11k▼
Cash at bank and in hand54/58€109k€53k▼
Deferred charges and accrued income490/1-€639
Equity and liabilities
Total equity and liabilities10/49€247k€115k▼
Equity10/15€223k€76k▼
Contributions10/11€19k€19k=
Reserves13€130k€17k▼
Tax-exempt reserves132€17k€17k=
Distributable reserves133€113k-
Profit (loss) carried forward14€74k€40k▼
Amounts payable17/49€25k€40k▲
Amounts payable after more than one year17-€6k
Financial debts170/4-€6k
Amounts payable within one year42/48€25k€33k▲
Current portion of amounts payable after more than one year42-€2k
Trade debts44€12k€12k▼
Suppliers440/4€12k€12k▼
Taxes, remuneration and social security45€10k€4k▼
Taxes450/3€10k€4k▼
Other amounts payable47/48€2k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€13k▲
Other operating charges640/8€51k€3k▼
Gross operating margin9900€66k€71k▲
Operating profit (loss)9901€10k€55k▲
Financial income75/76B€318k€682▼
Recurring financial income75€2k€682▼
Non-recurring financial income76B€316k-
Financial charges65/66B€6k€1k▼
Recurring financial charges65€6k€1k▼
Profit (loss) for the period before taxes9903€322k€54k▼
Income taxes67/77€80k€14k▼
Profit (loss) for the period9904€242k€40k▼
Profit (loss) for the period to be appropriated9905€242k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€615k€114k▼
Profit (loss) brought forward from the previous period14P€373k€74k▼
Transfer from equity791/2-€113k
Profit to be distributed694/7€541k€187k▼
Return on contributions (dividend)694€541k€187k▼
The notes to these accounts (7 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 | €39k | €39k | €41k | €5k | €13k | ▲ 192% |
| Other operating charges640/8 | €3k | €1k | €3k | €51k | €3k | ▼ 94.1% |
| Gross operating margin9900 | €156k | €152k | €105k | €66k | €71k | ▲ 7.7% |
| Operating profit (loss)9901 | €114k | €111k | €61k | €10k | €55k | ▲ 428% |
| Financial income75/76B | €1 | €18k | €311 | €318k | €682 | ▼ 99.8% |
| Recurring financial income75 | €1 | €94 | €311 | €2k | €682 | ▼ 65.1% |
| Non-recurring financial income76B | - | €18k | - | €316k | - | - |
| Financial charges65/66B | €13k | €10k | €10k | €6k | €1k | ▼ 81.3% |
| Recurring financial charges65 | €13k | €10k | €10k | €6k | €1k | ▼ 81.3% |
| Profit (loss) for the period before taxes9903 | €101k | €118k | €51k | €322k | €54k | ▼ 83.1% |
| Income taxes67/77 | €25k | €50k | €12k | €80k | €14k | ▼ 81.9% |
| Profit (loss) for the period9904 | €76k | €68k | €39k | €242k | €40k | ▼ 83.5% |
| Transfer from tax-exempt reserves789 | €4k | €104k | - | - | - | - |
| Transfer to tax-exempt reserves689 | - | €10k | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €80k | €161k | €39k | €242k | €40k | ▼ 83.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.07M | €1.08M | €1.01M | €247k | €115k | ▼ 53.5% |
| Formation expenses20 | - | - | €780 | €585 | €390 | ▼ 33.3% |
| Fixed assets21/28 | €903k | €875k | €885k | €34k | €32k | ▼ 8.0% |
| Tangible fixed assets22/27 | €903k | €875k | €885k | €34k | €32k | ▼ 8.0% |
| Land and buildings22 | €892k | €856k | €868k | - | - | - |
| Plant, machinery and equipment23 | - | - | €2k | €1k | €803 | ▼ 30.8% |
| Furniture and vehicles24 | €10k | €19k | €16k | €33k | €31k | ▼ 7.2% |
| Current assets29/58 | €163k | €209k | €120k | €212k | €83k | ▼ 60.9% |
| Amounts receivable within one year40/41 | - | €57k | €46k | €104k | €29k | ▼ 71.7% |
| Trade receivables40 | - | €48k | €37k | €28k | €18k | ▼ 35.6% |
| Other amounts receivable41 | - | €8k | €9k | €76k | €11k | ▼ 84.9% |
| Cash at bank and in hand54/58 | €162k | €151k | €72k | €109k | €53k | ▼ 51.1% |
| Deferred charges and accrued income490/1 | €798 | €2k | €2k | - | €639 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.07M | €1.08M | €1.01M | €247k | €115k | ▼ 53.5% |
| Equity10/15 | €472k | €547k | €521k | €223k | €76k | ▼ 66.1% |
| Contributions10/11 | €12k | €19k | €19k | €19k | €19k | = |
| Outside capital11 | €12k | - | - | - | - | - |
| Other1109/19 | €12k | - | - | - | - | - |
| Reserves13 | €112k | €122k | €130k | €130k | €17k | ▼ 86.9% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | - | - | - |
| Tax-exempt reserves132 | €110k | €17k | €17k | €17k | €17k | = |
| Distributable reserves133 | - | €104k | €111k | €113k | - | - |
| Profit (loss) carried forward14 | €348k | €406k | €373k | €74k | €40k | ▼ 46.2% |
| Amounts payable17/49 | €593k | €538k | €485k | €25k | €40k | ▲ 60.4% |
| Amounts payable after more than one year17 | €519k | €476k | €476k | - | €6k | - |
| Financial debts170/4 | €519k | €476k | €476k | - | €6k | - |
| Amounts payable within one year42/48 | €74k | €61k | €9k | €25k | €33k | ▲ 34.6% |
| Current portion of amounts payable after more than one year42 | €43k | €43k | €4k | - | €2k | - |
| Trade debts44 | €3k | €4k | €3k | €12k | €12k | ▼ 3.7% |
| Suppliers440/4 | €3k | €4k | €3k | €12k | €12k | ▼ 3.7% |
| Taxes, remuneration and social security45 | €16k | €14k | €1k | €10k | €4k | ▼ 57.4% |
| Taxes450/3 | €16k | €14k | €1k | €10k | €4k | ▼ 57.4% |
| Other amounts payable47/48 | €12k | - | - | €2k | €15k | ▲ 506% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €76k | €68k | €39k | €242k | €40k | ▼ 83.5% |
| + Depreciation and write-downs630 | €39k | €39k | €41k | €5k | €13k | ▲ 192% |
| Operating cash flow (approximation) | €115k | €108k | €80k | €247k | €53k | ▼ 78.4% |
| Investment in fixed assets (approximation) | - | €-12k | €-51k | €846k | €-11k | ▼ 101% |
| Change in cash | - | €-11k | €-80k | €37k | €-56k | ▼ 250% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €242k ▲516%
Net result €242k, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €39k ▼42.3%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 13.97
Current ratio from 3.40 to 13.97; short-term debt falls from €61k to €9k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €547k ▲15.8%
5 profitable years in a row build equity to €547k.
10-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity doublescurrent ratio 6.47
Current ratio from 2.60 to 6.47; short-term debt falls from €60k to €59k.
Show earlier events
31-12
Financial
Equity above €200kEq €301k ▲117%
2 profitable years in a row build equity to €301k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State 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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Directors · office · real estate
Directors
3 acts for this company are 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, Lubbeek · 1 establishment unit since 2016
Ground area
3,098 m²
Building footprint
366 m²
Volume, LiDAR
851 m³
2 parcels, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Stepp Bvba
since 20162.250.196.694
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063A0039/00Z002 | Flanders | 1,976 m² | 1 · 203 m² | 6.3 m · 1 fl. |
| 24063B0238/00D002 | Flanders | 1,122 m² | 1 · 163 m² | 7.1 m |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
6488ZDC62IE5890GD679
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,742. 1,396 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
Founded11-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
43320Joinery installation
47910Intermediation services for non-specialised retail
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
79909Travel agency, tour operator and other reservation service and related activities
82300Organisation of conventions and trade shows
82990Other business support services
85510Sports and recreation education
93199Other sports activities
93299Other amusement and recreation activities
Scores and ratios are computed by Checked and are not a credit decision.