Checked.be
Active
BE 0749.823.163Private limited company
STEPSTOOLS
Goudbergstraat 29 ·8560 Wevelgem, Belgium· 6 yrs active
Sector: Computer programming
(62100)
Conclusion
STEPSTOOLS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €8k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 2591 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €53k |
| Net result | €8k |
| Better than sector | 78% |
| Active | 6 yrs |
Financial profile
90
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
74
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€5k
estimate, not credit advice
Score history
56
2021
30
2022
76
2023
70
2024
100
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 3.74 (≥ 1.5)
+10
Quick ratio
Quick ratio 3.74 (≥ 1.0)
+5
Leverage
Debt/equity 0.30 (< 1.0)
+10
Profitability
ROE 15% (≥ 10%)
+10
Interest coverage
Interest coverage 786.9× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 14-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~14.1%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming, consultancy and related activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 77.0% | 46.0% | |
| Net result | €8k | €24k | |
| Equity | €53k | €141k | |
| Gross operating margin | €29k | €90k | |
| Total assets | €69k | €397k |
€28k
+49.0%
21-25
€8k
-
21-25
€28k
+55.3%
21-25
€69k
+12.6%
21-25
€53k
+17.3%
21-25
€43k
+176.9%
21-25
€677
-35.1%
21-25
€16k
-0.7%
21-25
€16k
-0.7%
21-25
3.74
+88.6%
21-25
3.74
+88.6%
21-25
77.0%
+4.2%
21-25
0.30
-15.4%
21-25
14.8%
-
21-25
11.4%
-
21-25
786.90
+4965.0%
21-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ | 2021 Δ |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | +49.0% | -59.3% | +124.2% | -35.7% | - |
| Net profit | - | - | - | - | - |
| Cash flow | +55.3% | -58.9% | +143.1% | -36.1% | - |
| Staff costs | - | - | - | - | - |
| Income taxes | - | - | - | - | - |
| Dividends | - | - | - | - | - |
| Total assets | +12.6% | -34.1% | -4.9% | -0.8% | - |
| Equity | +17.3% | -12.1% | +66.2% | -11.6% | - |
| Debt | -0.7% | -61.4% | -38.0% | +5.2% | - |
| of which ≤ 1y | -0.7% | -61.4% | -38.0% | +5.2% | - |
| of which > 1y | - | - | - | - | - |
| Working capital | +176.9% | - | +94.0% | +25.2% | - |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 3.74 | 1.98 | 0.95 | 0.46 | 0.24 |
| Quick ratio | 3.74 | 1.98 | 0.95 | 0.46 | 0.24 |
| Working capital ratio | 63.0% | 25.6% | -2.4% | -37.1% | -49.2% |
| Solvency | 77.0% | 73.9% | 55.4% | 31.7% | 35.6% |
| Debt / equity | 0.30 | 0.35 | 0.80 | 2.15 | 1.81 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 786.90 | 15.54 | 20.01 | 6.92 | 7.19 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 11.4% | -10.2% | 22.1% | -4.2% | 4.9% |
| ROE | 14.8% | -13.8% | 39.8% | -13.2% | 13.9% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €69k | €61k | €92k | €97k | €98k |
| Fixed assets | 21/28 | €10k | €29k | €53k | €67k | €83k |
| Intangible fixed assets | 21 | €10k | €29k | €53k | €67k | €83k |
| Current assets | 29/58 | €59k | €31k | €39k | €30k | €15k |
| Amounts receivable within one year | 40/41 | €11k | €11k | €13k | €751 | €3k |
| Cash & bank | 54/58 | €48k | €21k | €26k | €30k | €12k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €69k | €61k | €92k | €97k | €98k |
| Equity | 10/15 | €53k | €45k | €51k | €31k | €35k |
| Contributions / capital | 10/11 | €30k | €30k | €30k | €30k | €30k |
| Reserves | 13 | €23k | €15k | €21k | €792 | €5k |
| Amounts payable | 17/49 | €16k | €16k | €41k | €66k | €63k |
| Amounts payable within one year | 42/48 | €16k | €16k | €41k | €66k | €63k |
| Trade debts payable within one year | 44 | €128 | - | - | €187 | €475 |
| Income statement | ||||||
| Gross operating margin | 9900 | €29k | €19k | €47k | €21k | €32k |
| Operating result | 9901 | €8k | €-5k | €24k | €-1k | €9k |
| Financial income | 75 | - | - | €0 | - | - |
| Financial charges | 65 | €36 | €1k | €2k | €3k | €4k |
| Result before taxes | 9903 | €8k | €-6k | €21k | €-4k | €5k |
| Income taxes | 67/77 | €677 | - | €1k | - | - |
| Net result for the period | 9904 | €8k | €-6k | €20k | €-4k | €5k |
| Result to be appropriated | 9905 | €8k | €-6k | €20k | €-4k | €5k |
Legal Structure
| NACE primary | Computer programming(62100) |
| Legal form | Private limited company(610) |
| Incorporation | 06-07-2020 |
| Status | Active |
| Postal code | 8560 |
Establishment units
STEPSTOOLS
since 20202.304.706.142
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34041C0531/00H008 | Flanders | 568 m² | 1 · 317 m² | 11.4 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
23-01
State Gazette act
Director changes
2024
31-12
Financial
Weakest financial yearnet €-6k ▼131%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.98
Current ratio from 0.95 to 1.98; short-term debt falls from €41k to €16k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 1 year ago
2025
23-01-2025 Change in the board of directors
Technical details
{
"events": [],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2025-01-23",
"filing_date": "2025-01-14",
"act_kind_objet": "ONTSLAG EN BENOEMING BESTUURDER"
},
"decisions": [
{
"body": "bijzondere_algemene_vergadering",
"date": "2024-10-16",
"unanimous": true
},
{
"body": "bijzondere_algemene_vergadering",
"date": "2024-10-16",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0749.823.163",
"name_full": "STEPSTOOLS",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Timon DEJONGHE",
"org_rep_person_name": null,
"person_role_at_subject": "bestuurder"
},
"co_filed_documents": [],
"corrected_publication_numac": null
}Credit advice
Company registry (CBE)
Activities
Computer programming, consultancy and related activities62010Computer programming62100IT consultancy62020Other information technology and computer services62900Computer consultancy and computer facilities management62200
Names & trade names
| Legal nameNL | STEPSTOOLS |
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