STEPPERS
ActiveSTEPPERS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €26k. Equity is shrinking by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 19% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency22▲+5
Growth47=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.98 against 0.87 in 2024), and 83.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
16.4%
Return on assets
15.6%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 16932 sector peers (2025).
NBB · sector comparisonPosition among 16932 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
6 d late
2022
62 d early
2021
89 d late
2020
61 d late
2019
14 d late
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€217k▲ 13.0%
2021 · €192k
2021: €192k
2021 → 2022
EBIT margin
1.2%▲ 5.2pp
2021 · -4.0%
2021: -4.0%
2021 → 2022
Net result
€26k
2024 · €-13k
2018: €29k
2019: €26k
2020: €-43k
2021: €-8k
2022: €2k
2023: €10k
2024: €-13k
2018 → 2025
Working capital
€-1k▲ 84.9%
2024 · €-8k
2018: €43k
2019: €67k
2020: €6k
2021: €2k
2022: €9k
2023: €4
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€192k-€217k▲ 13.0%
Equity€23k-€25k▲ 10.9%€35k▲ 38.1%€21k▼ 38.3%€27k▲ 26.5%
Operating result€-8k-€3k€10k▲ 281%€-9k€32k
Net result€-8k-€2k€10k▲ 287%€-13k€26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €32k after a loss of €9k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€97k▼ 8.6%
Current assets
€68k▲ 32.6%
Equity and liabilities €165k
Equity
€27k▲ 26.5%
Debt
€138k▲ 1.4%
The debt ratio falls from 86.4% to 83.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€42k▲
2024 · €3k
Cash flow
€36k▲
2024 · €-1k
Solvency
16.4%▲
2024 · 13.6%
Current ratio
0.98▲
2024 · 0.87
Quick ratio
0.98▲
2024 · 0.87
Debt / equity
5.08▼
2024 · 6.34
ROE
94.8%▲
2024 · -62.2%
ROA
15.6%▲
2024 · -8.5%
Interest coverage
10.69▲
2024 · 0.72
Debt
€138k▲
2024 · €136k
Debt ≤ 1 year
€69k▲
2024 · €59k
Debt > 1 year
€67k▼
2024 · €73k
Income taxes
€2k▲
2024 · €147
Staff costs
€86k▲
2024 · €45k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€157k€165k▲
Fixed assets21/28€106k€97k▼
Tangible fixed assets22/27€105k€96k▼
Land and buildings22€94k€87k▼
Furniture and vehicles24€2k€2k▼
Other tangible fixed assets26€9k€8k▼
Financial fixed assets28€500€500=
Current assets29/58€51k€68k▲
Amounts receivable within one year40/41€17k€29k▲
Trade receivables40€17k€29k▲
Cash at bank and in hand54/58€33k€37k▲
Deferred charges and accrued income490/1€776€2k▲
Equity and liabilities
Total equity and liabilities10/49€157k€165k▲
Equity10/15€21k€27k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€948€7k▲
Amounts payable17/49€136k€138k▲
Amounts payable after more than one year17€73k€67k▼
Financial debts170/4€69k€64k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€59k€69k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€20k€8k▼
Suppliers440/4€20k€8k▼
Taxes, remuneration and social security45€26k€23k▼
Taxes450/3€11k€7k▼
Remuneration and social security454/9€15k€17k▲
Other amounts payable47/48€7k€32k▲
Accrued charges and deferred income492/3€4k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€45k€86k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€53k€130k▲
Operating profit (loss)9901€-9k€32k▲
Financial income75/76B€0€247▲
Recurring financial income75€0€247▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€-13k€28k▲
Income taxes67/77€147€2k▲
Profit (loss) for the period9904€-13k€26k▲
Profit (loss) for the period to be appropriated9905€-13k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€948€27k▲
Profit (loss) brought forward from the previous period14P€14k€948▼
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 89 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €-43k ▼267%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Gillis (bij-Brussel) · 2 establishment units since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Egide Walschaertsstraat 381060 Sint-Gillis (bij-Brussel)Ground area
265 m²
Building footprint
242 m²
Volume, LiDAR
3,566 m³
2 parcels, Brussels · tallest building 23.3 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
STEPPERS
since 20172.265.679.775
Steppers - bureaux
since 20192.296.015.239
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0231/00M003 | Brussels | 157 m² | 1 · 134 m² | 23.3 m · 6 fl. |
| 21007A0052/00S003 | Brussels | 107 m² | 1 · 107 m² | 21.4 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Federal government
2024 · 1 entry · 66,461 EUR in total| Year | Department | Transactions | Amount |
|---|---|---|---|
| 2024 | FOD Economie | 1 | 66,461 EUR |
Budget allocations
Ondersteunende maatregelen in het kader van de bestrijding van de digitale kloof en de omschakeling naar digitale inclusie
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OXYGENIUS
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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 6,209 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2017
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
47120Other non-specialised retail sale
47910Retail trade
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
73110Advertising agencies
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.