Stepwyse
ActiveStepwyse has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €352k and a net result of €-28k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-82
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 20.83 against 16.29 in 2024; short-term debt: 4.3% and cash: 53% of total assets), and 4.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
27 d late
2023
1 d early
2022
18 d late
2021
9 d late
2020
30 d late
2019
3 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€352k▼ 14.0%
2024 · €410k
2018: €153k
2019: €174k
2020: €98k
2021: €160k
2022: €251k
2023: €333k
2024: €410k
2018 → 2025
Total assets
€368k▼ 15.3%
2024 · €435k
2018: €220k
2019: €195k
2020: €112k
2021: €212k
2022: €286k
2023: €355k
2024: €435k
2018 → 2025
Net result
€-28k
2024 · €77k
2018: €624
2019: €21k
2020: €-76k
2021: €87k
2022: €91k
2023: €82k
2024: €77k
2018 → 2025
Working capital
€315k▼ 18.1%
2024 · €384k
2018: €31k
2019: €55k
2020: €65k
2021: €126k
2022: €216k
2023: €295k
2024: €384k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€160k-€251k▲ 56.7%€333k▲ 32.6%€410k▲ 23.1%€352k▼ 14.0%
Operating result€124k-€133k▲ 7.5%€122k▼ 8.3%€116k▼ 5.3%€-22k
Net result€87k-€91k▲ 4.9%€82k▼ 9.8%€77k▼ 6.1%€-28k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €22k after €116k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€38k▲ 46.7%
Current assets
€330k▼ 19.2%
Equity and liabilities €368k
Equity
€352k▼ 14.0%
Debt
€16k▼ 36.2%
The debt ratio falls from 5.8% to 4.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-14k▼
2024 · €124k
Cash flow
€-20k▼
2024 · €85k
Solvency
95.7%▲
2024 · 94.2%
Current ratio
20.83▲
2024 · 16.29
Quick ratio
20.83▲
2024 · 16.29
Debt / equity
0.05▼
2024 · 0.06
ROE
-8.0%▼
2024 · 18.8%
ROA
-7.6%▼
2024 · 17.7%
Interest coverage
-2.75▼
2024 · 20.20
Debt
€16k▼
2024 · €25k
Debt ≤ 1 year
€16k▼
2024 · €25k
Income taxes
€4k▼
2024 · €36k
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€435k€368k▼
Fixed assets21/28€26k€38k▲
Tangible fixed assets22/27€26k€38k▲
Land and buildings22€5k€4k▼
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€12k€27k▲
Financial fixed assets28€25€25=
Current assets29/58€409k€330k▼
Amounts receivable after more than one year29€15k€15k▲
Other amounts receivable291€15k€15k▲
Amounts receivable within one year40/41€29k€68k▲
Trade receivables40€26k€21k▼
Other amounts receivable41€3k€46k▲
Cash at bank and in hand54/58€294k€195k▼
Deferred charges and accrued income490/1€70k€52k▼
Equity and liabilities
Total equity and liabilities10/49€435k€368k▼
Equity10/15€410k€352k▼
Contributions10/11€19k€19k=
Reserves13€391k€336k▼
Distributable reserves133€391k€336k▼
Profit (loss) carried forward14-€-2k
Amounts payable17/49€25k€16k▼
Amounts payable within one year42/48€25k€16k▼
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€22k€8k▼
Taxes450/3€18k€6k▼
Remuneration and social security454/9€4k€3k▼
Accrued charges and deferred income492/3-€150
Income statement
Code20242025
Non-recurring operating income76A€4k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€8k€0▼
Gross operating margin9900€133k€-13k▼
Operating profit (loss)9901€116k€-22k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€113k€-24k▼
Income taxes67/77€36k€4k▼
Profit (loss) for the period9904€77k€-28k▼
Profit (loss) for the period to be appropriated9905€77k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€-28k▼
Transfer from equity791/2-€55k
Transfer to equity691/2€77k€0▼
To other reserves6921€77k€0▼
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
The notes to these accounts (14 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Highest result since 2018net €91k ▲4.9%
Operating result €133k, net result €91k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 7.19
Current ratio from 3.44 to 7.19; short-term debt falls from €52k to €35k.
31-12
Financial
Equity above €200kEq €251k ▲56.7%
2 profitable years in a row build equity to €251k.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Back to profitnet €87k
Net result €87k after one loss-making year.
31-12
Financial
Equity above €150kEq €160k ▲64%
Equity rises from €98k to €160k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-76k ▼468%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 4.09
Current ratio from 1.49 to 4.09; short-term debt falls from €63k to €18k.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Holsbeek · 1 establishment unit since 2003
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.
Preekherenberg 8A3220 HolsbeekGround area
1,629 m²
Building footprint
186 m²
Volume, LiDAR
1,397 m³
Parcel 24103C0077/00K000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Preekherenberg 8A, 3220 Holsbeek
since 20032.131.919.844
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24103C0077/00K000 | Flanders | 1,629 m² | 1 · 186 m² | 10.3 m · 3 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 8,400 EUR awarded · 8,400 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,000 EUR | 3,000 EUR |
| 2024 | 1 | 5,400 EUR | 5,400 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 37,178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2003
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73200Market research and public opinion polling
73300Public relations and communication consultancy
74131
74141
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.