STEPS INVEST
ActiveSTEPS INVEST has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €422k and a net result of €249k. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 9195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+10
Solvency27▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.3 in 2024; short-term debt: 81.7% and cash: 2.1% of total assets), and 97.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
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
2.1%
Return on assets
1.3%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9195 sector peers (2025).
NBB · sector comparisonPosition among 9195 sector peers
Solvency
better than 20%
← weakest
strongest →
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 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
42 d early
2023
on the day
2022
40 d early
2021
3 d late
2020
19 d early
2019
18 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€422k▲ 144%
2024 · €173k
2019: €103k
2020: €98k
2021: €86k
2022: €59k
2023: €174k
2024: €173k
2019 → 2025
Total assets
€19.78M▲ 22.1%
2024 · €16.19M
2019: €3.81M
2020: €6.11M
2021: €6.69M
2022: €6.33M
2023: €14.68M
2024: €16.19M
2019 → 2025
Net result
€249k
2024 · €-265
2019: €12k
2020: €-5k
2021: €-13k
2022: €-27k
2023: €114k
2024: €-265
2019 → 2025
Working capital
€-10.11M▼ 0.8%
2024 · €-10.02M
2019: €-756k
2020: €-1.80M
2021: €-1.80M
2022: €-1.82M
2023: €-9.68M
2024: €-10.02M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€59k▼ 31.2%€174k▲ 194%€173k▼ 0.2%€422k▲ 144%
Operating result€42k-€33k▼ 22.5%€60k▲ 84.5%€-55k€299k
Net result€-13k-€-27k▼ 113%€114k€-265€249k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €299k after a loss of €55k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19.78M
Fixed assets
€13.73M▲ 14.7%
Current assets
€6.05M▲ 43.4%
Equity and liabilities €19.78M
Equity
€422k▲ 144%
Debt
€19.36M▲ 20.8%
The debt ratio falls from 98.9% to 97.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€770k▲
2024 · €381k
Cash flow
€720k▲
2024 · €436k
Solvency
2.1%▲
2024 · 1.1%
Current ratio
0.37▲
2024 · 0.30
Quick ratio
0.21▲
2024 · 0.20
Debt / equity
45.87▼
2024 · 92.47
ROE
58.9%▲
2024 · -0.2%
ROA
1.3%▲
2024 · 0.0%
Interest coverage
5.17▲
2024 · 4.12
Debt
€19.36M▲
2024 · €16.02M
Debt ≤ 1 year
€16.15M▲
2024 · €14.24M
Debt > 1 year
€3.09M▲
2024 · €1.65M
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€16.19M€19.78M▲
Fixed assets21/28€11.98M€13.73M▲
Tangible fixed assets22/27€7.52M€7.87M▲
Land and buildings22€5.94M€6.62M▲
Assets under construction and advance payments27€1.58M€1.25M▼
Financial fixed assets28€4.46M€5.87M▲
Current assets29/58€4.22M€6.05M▲
Stocks and contracts in progress3€1.35M€2.71M▲
Stocks30/36€1.35M€2.71M▲
Amounts receivable within one year40/41€2.31M€2.93M▲
Trade receivables40€142k€261k▲
Other amounts receivable41€2.17M€2.66M▲
Cash at bank and in hand54/58€553k€411k▼
Deferred charges and accrued income490/1€4k-
Equity and liabilities
Total equity and liabilities10/49€16.19M€19.78M▲
Equity10/15€173k€422k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€153k€402k▲
Amounts payable17/49€16.02M€19.36M▲
Amounts payable after more than one year17€1.65M€3.09M▲
Financial debts170/4€137k€124k▼
Other amounts payable178/9€1.51M€2.96M▲
Amounts payable within one year42/48€14.24M€16.15M▲
Current portion of amounts payable after more than one year42€34k€14k▼
Financial debts43€8.73M€9.03M▲
Credit institutions430/8€8.73M€9.03M▲
Trade debts44€316k€9k▼
Suppliers440/4€316k€9k▼
Advances received on contracts in progress46€275k€352k▲
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€4.88M€6.75M▲
Accrued charges and deferred income492/3€129k€117k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€436k€471k▲
Other operating charges640/8€233k€203k▼
Non-recurring operating charges66A€179k-
Gross operating margin9900€793k€973k▲
Operating profit (loss)9901€-55k€299k▲
Financial income75/76B€147k€98k▼
Recurring financial income75€147k€98k▼
Financial charges65/66B€93k€149k▲
Recurring financial charges65€93k€149k▲
Profit (loss) for the period before taxes9903€-265€249k▲
Profit (loss) for the period9904€-265€249k▲
Profit (loss) for the period to be appropriated9905€-265€249k▲
Appropriation of the result
Profit (loss) to be appropriated9906€153k€402k▲
Profit (loss) brought forward from the previous period14P€153k€153k▼
The notes to these accounts (11 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €249k
Net result €249k after one loss-making year.
30-06
Financial
Equity above €200kEq €422k ▲144%
Equity rises from €173k to €422k.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €114k
Net result €114k after 3 loss-making years.
30-06
Financial
Equity above €150kEq €174k ▲194%
Equity rises from €59k to €174k.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
03-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
16-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-01
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.
Directors · office · real estate
Directors
6 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, Hasselt · 1 establishment unit since 2010
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.
Kempische Kaai 753500 HasseltGround area
7,392 m²
Building footprint
1,703 m²
Volume, LiDAR
33,467 m³
Parcel 71327G0279/00Z002, Flanders · tallest building 23.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Steps Invest
since 20102.227.782.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0279/00Z002 | Flanders | 7,392 m² | 1 · 1,703 m² | 23.4 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE CITY
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KANVAS
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 4,889 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2010
Fiscal year end30-06
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.