STEVE
ActiveSummary
STEVE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,504 and a net result of €36,297. Equity is shrinking by ~44.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 33% of 4695 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+81
Solvency30▲+18
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.12 against 0.12 in 2024; short-term debt: 94.9% and cash: 5.7% of total assets), and 94.9% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
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
5.1%
Return on assets
19.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
31 d late
2023
41 d late
2022
59 d late
2021
113 d late
2020
45 d early
2019
24 d early
← 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 27 days after 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€9,504
2024 · -€26,792
Total assets
€184,743▼ 9.5%
2024 · €204,081
Net result
€36,297
2024 · -€20,466
Working capital
-€154,743▲ 24.2%
2024 · -€204,056
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€8,750▼ 83.6%-€4,404▲ 49.7%-€6,103▼ 38.6%-€19,506▼ 220%€36,674
Net result-€10,250▼ 95.4%-€4,951▲ 51.7%-€6,582▼ 32.9%-€20,466▼ 211%€36,297
Equity€5,206▼ 66.3%€256▼ 95.1%-€6,326-€26,792▼ 324%€9,504
Total assets€7,940▼ 56.4%€800▼ 89.9%€1,884▲ 136%€204,081▲ 10,731%€184,743▼ 9.5%
Debt€2,733▼ 0.8%€544▼ 80.1%€8,211▲ 1,409%€230,873▲ 2,712%€175,238▼ 24.1%
Working capital€4,543▼ 59.5%-€18-€6,600▼ 36,304%-€204,056▼ 2,992%-€154,743▲ 24.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €36,674 after a loss of €19,506 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184,743
Fixed assets
€164,248 ▼ 7.3%
Current assets
€20,495 ▼ 23.6%
Equity and liabilities €184,743
Equity
€9,504
Debt
€175,238
Debt finances 94.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€49,691
Cash flow
€49,313
Current ratio
0.12▲
2024 · 0.12
Quick ratio
0.07▼
2024 · 0.08
Debt to equity
18.44▲
2024 · -8.62
ROE
381.9%
ROA
19.6%▲
2024 · -10.0%
Interest coverage
112.99
Debt ≤ 1 year
€175,238▼
2024 · €230,873
Income taxes
€141▲
2024 · €140
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,322 companies that looked in July 2024 the way this one looks now, 1.3% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.3%
went bankrupt
3.1%
stopped otherwise
95%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 1,322 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,024 | €390 | €0 | - | €13,017 | - |
| Other operating charges640/8 | €609 | €213 | €532 | €11,150 | €1,572 | ▼ 85.9% |
| Gross operating margin9900 | -€7,117 | -€3,801 | -€5,571 | -€8,355 | €51,263 | ▲ 714% |
| Operating profit (loss)9901 | -€8,750 | -€4,404 | -€6,103 | -€19,506 | €36,674 | ▲ 288% |
| Financial income75/76B | €1,845 | €0 | - | - | €203 | - |
| Recurring financial income75 | €192 | €0 | - | - | €203 | - |
| Non-recurring financial income76B | €1,653 | €0 | - | - | - | - |
| Financial charges65/66B | €3,227 | €496 | €479 | €821 | €440 | ▼ 46.4% |
| Recurring financial charges65 | €668 | €496 | €479 | €821 | €440 | ▼ 46.4% |
| Non-recurring financial charges66B | €2,559 | €0 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€10,133 | -€4,900 | -€6,582 | -€20,326 | €36,437 | ▲ 279% |
| Income taxes67/77 | €117 | €51 | €0 | €140 | €141 | ▲ 1.0% |
| Profit (loss) for the period9904 | -€10,250 | -€4,951 | -€6,582 | -€20,466 | €36,297 | ▲ 277% |
| Profit (loss) for the period to be appropriated9905 | -€10,250 | -€4,951 | -€6,582 | -€20,466 | €36,297 | ▲ 277% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7,940 | €800 | €1,884 | €204,081 | €184,743 | ▼ 9.5% |
| Fixed assets21/28 | €663 | €274 | €274 | €177,264 | €164,248 | ▼ 7.3% |
| Tangible fixed assets22/27 | €663 | €274 | €274 | €177,264 | €164,248 | ▼ 7.3% |
| Land and buildings22 | - | - | - | €81,270 | €75,852 | ▼ 6.7% |
| Plant, machinery and equipment23 | €663 | €274 | €274 | €1,570 | €864 | ▼ 45.0% |
| Furniture and vehicles24 | - | - | - | €4,483 | €3,586 | ▼ 20.0% |
| Other tangible fixed assets26 | - | - | - | €89,941 | €83,945 | ▼ 6.7% |
| Financial fixed assets28 | €0 | - | - | - | - | - |
| Current assets29/58 | €7,277 | €526 | €1,611 | €26,816 | €20,495 | ▼ 23.6% |
| Stocks and contracts in progress3 | €0 | - | - | €8,016 | €8,547 | ▲ 6.6% |
| Stocks30/36 | €0 | - | - | €8,016 | €8,547 | ▲ 6.6% |
| Amounts receivable within one year40/41 | €1,755 | €0 | €1,030 | €8,041 | €235 | ▼ 97.1% |
| Trade receivables40 | €0 | - | €360 | €7,036 | €235 | ▼ 96.7% |
| Other amounts receivable41 | €1,755 | €0 | €670 | €1,004 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €5,383 | €376 | €581 | €9,522 | €10,442 | ▲ 9.7% |
| Deferred charges and accrued income490/1 | €138 | €150 | €0 | €1,238 | €1,271 | ▲ 2.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7,940 | €800 | €1,884 | €204,081 | €184,743 | ▼ 9.5% |
| Equity10/15 | €5,206 | €256 | -€6,326 | -€26,792 | €9,504 | ▲ 135% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €1,855 | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Non-distributable reserves130/1 | €1,855 | €1,855 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,855 | €1,855 | €0 | - | - | - |
| Distributable reserves133 | - | - | €1,855 | €1,855 | €1,855 | = |
| Profit (loss) carried forward14 | -€15,199 | -€20,149 | -€26,731 | -€47,197 | -€10,901 | ▲ 76.9% |
| Amounts payable17/49 | €2,733 | €544 | €8,211 | €230,873 | €175,238 | ▼ 24.1% |
| Amounts payable within one year42/48 | €2,733 | €544 | €8,211 | €230,873 | €175,238 | ▼ 24.1% |
| Current portion of amounts payable after more than one year42 | €0 | - | - | - | - | - |
| Trade debts44 | €2,500 | €376 | €0 | €10,811 | €485 | ▼ 95.5% |
| Suppliers440/4 | €2,500 | €376 | €0 | €10,811 | €485 | ▼ 95.5% |
| Taxes, remuneration and social security45 | €233 | €168 | €0 | €974 | €2,332 | ▲ 139% |
| Taxes450/3 | €233 | €168 | €0 | €974 | €2,332 | ▲ 139% |
| Other amounts payable47/48 | - | - | €8,211 | €219,087 | €172,421 | ▼ 21.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€10,250 | -€4,951 | -€6,582 | -€20,466 | €36,297 | ▲ 277% |
| + Depreciation and write-downs630 | €1,024 | €390 | €0 | - | €13,017 | - |
| Operating cash flow (approximation) | -€9,225 | -€4,561 | -€6,582 | -€20,466 | €49,313 | ▲ 341% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€176,991 | €0 | ▲ 100% |
| Change in cash | - | -€5,008 | €205 | €8,941 | €920 | ▼ 89.7% |
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Back to profitnet €36,297
Net result €36,297 after 5 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet -€20,466
Net result drops to -€20,466, the lowest in the series; recovery starts the following year.
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
21-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 113 days late
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4,433
Net result €4,433 after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 143 days late
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 508 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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 2024
Ground area
200 m²
Building footprint
166 m²
Volume, LiDAR
1,606 m³
Parcel 11804D2165/00X017, Flanders · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
STEVE
since 20242.361.545.865
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D2165/00X017 | Flanders | 200 m² | 1 · 166 m² | 15.7 m · 4 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 2,832. 2,259 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
Founded27-07-2010
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0828084050
Also
9925:BE0828084050
Registered
24-11-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.