Subsidiaries and holdings
- ALSOCO52.04%
- AVONDTROODT50%
- DOCKLANDS50%
- LIVE LAUD49.46%
- BREE RESIDENTIAL45%
STEPS INVEST
ActiveSummary
STEPS INVEST has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €422,060 and a net result of €248,800. Equity has been growing by about 24% per year since 2019. Its solvency ranks better than 20% of 11,259 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Official details
Source: KBO- Status
- Active since 29-01-2010 Normal situation
- Registered office
- 29 active companies are registered at this address 2 started in the 12 months before. Source: KBO register, as of 2 November 2026.
- Activity
- Development of residential building projects NACE 68121and 2 others
- Establishment unit
- 2.227.782.469 3500 Hasselt, since 26-01-2010
- Financial year end
- 30 June
- Peppol
- Reachable since 15-10-2025
Board and ownership
Board
- CHRISTOPHER KUMPEN REAL ESTATE DEVELOPMENT MANAGEMENTDirector · since 06-06-2016 · permanent representative KUMPEN Christopher Gregory
- Holdings
- Shares in 7 companies including Immersimmo and Jazzup
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
Annual accounts to 30-06-2025
- Gross margin
- €973,031
- ▲ 22.7%
- Turnover
- ≈ €1.7m
- estimated
- Profit
- €248,800
- Equity
- €422,060
- ▲ 144%
- Total assets
- €19.8m
- ▲ 22.1%
Filed on 26-01-2026, 5 days before the deadline
Score breakdownraises riskLiquidity: current ratio 0.37, cash €410,873Equity €422,060 (2.1% of total assets)lowers riskSize: total assets €19.8mFigures for financial year 2025 (filed on 29-01-2026)Show the evidence
Checked score
Score 2025
93
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 48% of medium-sized companies in real estate (NACE 68)
Financial strength · tick: 2024
Weak
Solvency
27+1
equity 2.1% of total assets
Liquidity
8+2
short-term debt 81.7% · cash 2.1%
Profitability
63+10
return on assets 1.3%
Bankruptcy probability within 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.2%▲ +0.1 percentage points vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025highest value
02-2026: 0.1%▼ -0.1 percentage points vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026lowest value
05-2026: 0.1%● unchanged vs 04-2026lowest value
06-2026: 0.1%● unchanged vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.37 (0.3 in 2024), below 1. Short-term debt is 81.7% and cash 2.1% of total assets. 97.9% of the assets are financed with debt and provisions.
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 68, medium-sized). It does better than 18% of them on solvency, 8% on liquidity, 71% on profitability and 95% on growth.
The bankruptcy probability was computed on 01-11-2026 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.
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).
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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 20% of 11259 sector peers (2025).
NBB · sector comparisonPosition among 11259 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 days early
2024
42 days early
2023
on the day
2022
40 days early
2021
3 days late
2020
19 days early
2019
18 days early
← 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 17 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 26 January (4 of the last 5 accounts filed within 35 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end02-11-2026 today31-01-2027 deadline
Key points
- Positive: Equity rose in 2025from €173,260 to €422,060 ▲ 144% View
- Positive: Higher net result than 89% of companies in real estatesector median €10,001 · 11,250 companies €248,800 View
- Heads a groupcompanies controlled 3 View
- Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View
Recent changes
- · Gazette deed Change of role: CHRISTOPHER KUMPEN REAL ESTATE DEVELOPMENT, from enige en huidige zaakvoerder to statutory directorResignation: STEPS & Co (statutory director) · Permanent representatives: HORRIX Erik and KUMPEN Christopher Gregory · Reappointment: CHRISTOPHER KUMPEN REAL ESTATE DEVELOPMENT (statutory director)
- · Gazette deed Incorporation
Companies linked to STEPS INVEST
Comparable companies
These companies have the same main activity as STEPS INVEST: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €16m and €24m, founded between 2006 and 2011.
| Company | Total assets | Gross margin |
|---|---|---|
| STEPS INVEST Hasselt | €19.8m | €1.0m |
| ARGENT OFFICE Brussel | €19.1m | €0.9m |
| Princesse Résidence Sint-Pieters-Woluwe | €17.0m | €1.0m |
| PROGIMO Amay | €15.6m | €1.0m |
| Régie Immobilière Autonome de Herstal Herstal | €16.4m | €0.7m |
| URBAN REAL ESTATE Hasselt | €20.4m | €1.2m |
| AGB STADSONTWIKKELING BILZEN-HOESELT Bilzen-Hoeselt | €23.5m | €1.9m |
Key facts about STEPS INVEST
- What is the company number of STEPS INVEST?
- The company number of STEPS INVEST is 0822.731.927. The VAT number is the same number with BE in front: BE 0822.731.927.
- Where is STEPS INVEST based?
- The registered office is at Kempische Kaai 75, 3500 Hasselt.Company details
- What does STEPS INVEST do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of STEPS INVEST?
- The legal form of STEPS INVEST is Private limited company (BV).
- When was STEPS INVEST founded?
- STEPS INVEST was founded on 29-01-2010.
- Is STEPS INVEST still active?
- Yes, STEPS INVEST is an active enterprise in the KBO register.
- What is the turnover of STEPS INVEST?
- The turnover in financial year 2025 is ≈ €1.7m. This figure is estimated from the gross margin of €973,031 and 42 comparable companies (NACE 681). It probably lies between €1.3m and €2.8m.Financials
- Is STEPS INVEST profitable?
- In financial year 2025, STEPS INVEST made a profit of €248,800.
- Where can I find the annual accounts of STEPS INVEST?
- STEPS INVEST filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEPS INVEST due?
- STEPS INVEST must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
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