STEV
ActiveSummary
STEV has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€5,667) and a net result of -€21,419. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 27% of 4711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-35
Solvency19▼-19
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.01 against 0.54 in 2024; short-term debt: 105.8% and cash: 0% of total assets), and equity is negative.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-5.8%
Return on assets
-21.8%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€5,667
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 26-03-2026, 127 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
127 d early
2024
36 d early
2023
49 d early
2022
53 d early
2021
46 d early
2020
2 d early
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 13 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€5,667
2024 · €15,752
Total assets
€98,467▼ 16.0%
2024 · €117,245
Net result
-€21,419▼ 1,104%
2024 · -€1,779
Working capital
-€103,552▼ 1,055%
2024 · -€8,964
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,759€9,759▼ 9.3%€6,611▼ 32.3%€4,433▼ 33.0%-€16,891
Net result€7,900within the sector's middle half€6,608within the sector's middle half▼ 16.4%€186within the sector's middle half▼ 97.2%-€1,779within the sector's middle half-€21,419below the sector's middle half▼ 1,104%
Equity€10,736within the sector's middle half▲ 279%€17,345within the sector's middle half▲ 61.6%€17,531within the sector's middle half▲ 1.1%€15,752within the sector's middle half▼ 10.1%-€5,667below the sector's middle half
Total assets€169,887within the sector's middle half▲ 2.0%€140,388within the sector's middle half▼ 17.4%€128,791within the sector's middle half▼ 8.3%€117,245within the sector's middle half▼ 9.0%€98,467within the sector's middle half▼ 16.0%
Debt€159,150▼ 2.8%€123,043▼ 22.7%€111,261▼ 9.6%€101,493▼ 8.8%€104,134▲ 2.6%
Working capital-€7,187within the sector's middle half▲ 48.4%-€4,833within the sector's middle half▲ 32.7%-€5,269within the sector's middle half▼ 9.0%-€8,964within the sector's middle half▼ 70.1%-€103,552below the sector's middle half▼ 1,055%
Solvency6.3%within the sector's middle half▲ 4.6pp12.4%within the sector's middle half▲ 6.0pp13.6%within the sector's middle half▲ 1.3pp13.4%within the sector's middle half▼ 0.2pp-5.8%within the sector's middle half▼ 19.2pp
Current ratio0.83within the sector's middle half▲ 0.250.77within the sector's middle half▼ 0.060.72within the sector's middle half▼ 0.050.54within the sector's middle half▼ 0.180.01below the sector's middle half▼ 0.54
Return on assets (ROA)4.7%within the sector's middle half▲ 7.3pp4.7%within the sector's middle half▲ 0.1pp0.1%within the sector's middle half▼ 4.6pp-1.5%within the sector's middle half▼ 1.7pp-21.8%below the sector's middle half▼ 20.2pp
Staff (FTE)10.3▼ 70.0%
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
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 €16,891 after €4,433 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98,467
Fixed assets
€97,885 ▼ 8.2%
Current assets
€582 ▼ 94.5%
Key figures and ratios
EBITDA
-€8,091▼
2024 · €13,233
Cash flow
-€12,619▼
2024 · €7,021
Debt to equity
-18.37▼
2024 · 6.44
Interest coverage
-1.79▼
2024 · 2.17
Debt ≤ 1 year
€104,134▲
2024 · €19,524
Debt > 1 year
€0▼
2024 · €81,969
Income taxes
€0▼
2024 · €118
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,038 companies that looked in July 2024 the way this one looks now, 7.3% went bankrupt within 24 months and 82% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.3%
went bankrupt
8.2%
stopped otherwise
82%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,038 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €9,519 | €6,613 | €602 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,102 | €10,001 | €8,937 | €8,800 | €8,800 | = |
| Other operating charges640/8 | €1,639 | €1,485 | €1,807 | €1,397 | €1,502 | ▲ 7.6% |
| Non-recurring operating charges66A | - | €99 | €0 | €3,435 | €0 | ▼ 100% |
| Gross operating margin9900 | €35,019 | €27,957 | €17,958 | €18,065 | -€6,589 | ▼ 136% |
| Operating profit (loss)9901 | €10,759 | €9,759 | €6,611 | €4,433 | -€16,891 | ▼ 481% |
| Financial income75/76B | €17 | €1 | €0 | - | - | - |
| Recurring financial income75 | €17 | €1 | €0 | - | - | - |
| Financial charges65/66B | €2,875 | €3,151 | €6,357 | €6,093 | €4,528 | ▼ 25.7% |
| Recurring financial charges65 | €2,875 | €3,151 | €6,357 | €6,093 | €4,528 | ▼ 25.7% |
| Profit (loss) for the period before taxes9903 | €7,900 | €6,608 | €255 | -€1,660 | -€21,419 | ▼ 1,190% |
| Income taxes67/77 | - | - | €68 | €118 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €7,900 | €6,608 | €186 | -€1,779 | -€21,419 | ▼ 1,104% |
| Profit (loss) for the period to be appropriated9905 | €7,900 | €6,608 | €186 | -€1,779 | -€21,419 | ▼ 1,104% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €169,887 | €140,388 | €128,791 | €117,245 | €98,467 | ▼ 16.0% |
| Fixed assets21/28 | €134,424 | €124,422 | €115,485 | €106,685 | €97,885 | ▼ 8.2% |
| Tangible fixed assets22/27 | €134,424 | €124,422 | €115,485 | €106,685 | €97,885 | ▼ 8.2% |
| Land and buildings22 | €133,240 | €124,285 | €115,485 | €106,685 | €97,885 | ▼ 8.2% |
| Plant, machinery and equipment23 | €1,183 | €137 | €0 | - | - | - |
| Current assets29/58 | €35,463 | €15,965 | €13,307 | €10,560 | €582 | ▼ 94.5% |
| Stocks and contracts in progress3 | €2,905 | €1,731 | €2,604 | €1,972 | €0 | ▼ 100% |
| Stocks30/36 | €2,905 | €1,731 | €2,604 | €1,972 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €590 | €106 | €663 | €17 | €582 | ▲ 3,267% |
| Trade receivables40 | €0 | - | €522 | €0 | - | - |
| Other amounts receivable41 | €590 | €106 | €141 | €17 | €582 | ▲ 3,267% |
| Cash at bank and in hand54/58 | €31,968 | €14,128 | €4,478 | €6,421 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | - | - | €5,561 | €2,149 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €169,887 | €140,388 | €128,791 | €117,245 | €98,467 | ▼ 16.0% |
| Equity10/15 | €10,736 | €17,345 | €17,531 | €15,752 | -€5,667 | ▼ 136% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | -€1,664 | €4,945 | €5,131 | €3,352 | -€18,067 | ▼ 639% |
| Amounts payable17/49 | €159,150 | €123,043 | €111,261 | €101,493 | €104,134 | ▲ 2.6% |
| Amounts payable after more than one year17 | €116,500 | €102,244 | €92,685 | €81,969 | €0 | ▼ 100% |
| Financial debts170/4 | €116,500 | €102,244 | €92,685 | €81,969 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €42,650 | €20,799 | €18,576 | €19,524 | €104,134 | ▲ 433% |
| Current portion of amounts payable after more than one year42 | €14,251 | €14,382 | €10,961 | €10,753 | €81,599 | ▲ 659% |
| Financial debts43 | - | €408 | €81 | €32 | €3,239 | ▲ 10,032% |
| Credit institutions430/8 | - | €408 | €81 | €32 | €3,239 | ▲ 10,032% |
| Trade debts44 | €1,910 | €1,309 | €4,013 | €2,641 | €1,043 | ▼ 60.5% |
| Suppliers440/4 | €1,910 | €1,309 | €4,013 | €2,641 | €1,043 | ▼ 60.5% |
| Taxes, remuneration and social security45 | €6,414 | €4,055 | €3,137 | €3,673 | €118 | ▼ 96.8% |
| Taxes450/3 | €5,664 | €4,055 | €3,137 | €3,673 | €118 | ▼ 96.8% |
| Remuneration and social security454/9 | €750 | €0 | - | - | - | - |
| Other amounts payable47/48 | €20,075 | €645 | €384 | €2,424 | €18,134 | ▲ 648% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,900 | €6,608 | €186 | -€1,779 | -€21,419 | ▼ 1,104% |
| + Depreciation and write-downs630 | €13,102 | €10,001 | €8,937 | €8,800 | €8,800 | = |
| Operating cash flow (approximation) | €21,002 | €16,610 | €9,124 | €7,021 | -€12,619 | ▼ 280% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€17,840 | -€9,650 | €1,943 | -€6,421 | ▼ 430% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€21,419
Net result drops to -€21,419, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €7,900
Net result €7,900 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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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, Antwerpen · 1 establishment unit since 2017
Ground area
113 m²
Building footprint
113 m²
Volume, LiDAR
1,378 m³
Parcel 11811L3727/00R000, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
STEV
since 20172.260.258.861
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3727/00R000 | Flanders | 113 m² | 1 · 113 m² | 17.9 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 21,734 companies in sector 96210 we hold annual accounts for 2,835. 2,352 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0668837962
Also
9925:BE0668837962
Registered
18-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.