STEVE DECROOCK
ActiveSTEVE DECROOCK has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €18k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 7321 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-6
Solvency36▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.34 in 2024), and 78.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
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
21.5%
Return on assets
3.8%
Age of the figures
8 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 31-08-2026, 31 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
31 d late
2024
34 d early
2023
30 d late
2022
30 d late
2021
59 d late
2020
86 d late
2019
97 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 16.7%
2024 · €85k
2018: €53k
2019: €57k
2020: €58k
2021: €72k
2022: €73k
2023: €78k
2024: €85k
2018 → 2025
Total assets
€464k▲ 0.3%
2024 · €463k
2018: €360k
2019: €516k
2020: €582k
2021: €573k
2022: €550k
2023: €504k
2024: €463k
2018 → 2025
Net result
€18k▲ 10.1%
2024 · €16k
2018: €8k
2019: €6k
2020: €4k
2021: €16k
2022: €4k
2023: €14k
2024: €16k
2018 → 2025
Working capital
€33k▼ 17.6%
2024 · €40k
2018: €36k
2019: €119k
2020: €92k
2021: €77k
2022: €45k
2023: €42k
2024: €40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€73k▲ 1.8%€78k▲ 6.9%€85k▲ 9.6%€100k▲ 16.7%
Operating result€27k-€10k▼ 62.6%€24k▲ 138%€29k▲ 24.0%€32k▲ 8.5%
Net result€16k-€4k▼ 76.4%€14k▲ 289%€16k▲ 10.6%€18k▲ 10.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 8% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €464k
Fixed assets
€327k▲ 7.0%
Current assets
€137k▼ 12.6%
Equity and liabilities €464k
Equity
€100k▲ 16.7%
Debt
€364k▼ 3.4%
The debt ratio falls from 81.5% to 78.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€56k▲
2024 · €50k
Cash flow
€42k▲
2024 · €37k
Solvency
21.5%▲
2024 · 18.5%
Current ratio
1.31▼
2024 · 1.34
Quick ratio
1.01▲
2024 · 0.98
Debt / equity
3.66▼
2024 · 4.42
ROE
17.7%▼
2024 · 18.7%
ROA
3.8%▲
2024 · 3.5%
Interest coverage
7.45▼
2024 · 7.80
Debt
€364k▼
2024 · €377k
Debt ≤ 1 year
€104k▼
2024 · €117k
Debt > 1 year
€260k▲
2024 · €258k
Income taxes
€7k▼
2024 · €7k
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€463k€464k▲
Fixed assets21/28€305k€327k▲
Tangible fixed assets22/27€305k€327k▲
Land and buildings22€275k€268k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€24k€54k▲
Current assets29/58€157k€137k▼
Stocks and contracts in progress3€43k€32k▼
Stocks30/36€43k€32k▼
Contracts in progress37€0-
Amounts receivable within one year40/41€48k€70k▲
Trade receivables40€41k€57k▲
Other amounts receivable41€7k€13k▲
Cash at bank and in hand54/58€60k€33k▼
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€463k€464k▲
Equity10/15€85k€100k▲
Contributions10/11€19k€19k=
Reserves13€67k€81k▲
Distributable reserves133€67k€81k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€377k€364k▼
Amounts payable after more than one year17€258k€260k▲
Financial debts170/4€258k€260k▲
Amounts payable within one year42/48€117k€104k▼
Current portion of amounts payable after more than one year42€30k€36k▲
Trade debts44€74k€51k▼
Suppliers440/4€74k€51k▼
Taxes, remuneration and social security45€7k€13k▲
Taxes450/3€7k€13k▲
Other amounts payable47/48€7k€4k▼
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€826
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€25k▲
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€55k€61k▲
Operating profit (loss)9901€29k€32k▲
Financial income75/76B€262€401▲
Recurring financial income75€262€401▲
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€23k€25k▲
Income taxes67/77€7k€7k▼
Profit (loss) for the period9904€16k€18k▲
Profit (loss) for the period to be appropriated9905€16k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€18k▲
Transfer from equity791/2€6k€3k▼
Transfer to equity691/2€13k€18k▲
To other reserves6921€13k€18k▲
Profit to be distributed694/7€9k€3k▼
Return on contributions (dividend)694€9k€3k▼
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €18k ▲10.1%
Operating result €32k, net result €18k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €4k ▼76.4%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 97 days late
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Damme · 1 establishment unit since 2010
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.
Bargestraat 78340 DammeGround area
1,086 m²
Building footprint
590 m²
Volume, LiDAR
604 m³
Parcel 31019C1038/00B000, Flanders · tallest building 6.3 m. Linked by address, not a title deed.
1 establishment unit
STEVE DECROOCK
since 20102.192.985.403
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31019C1038/00B000 | Flanders | 1,086 m² | 1 · 590 m² | 6.3 m |
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.
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,874. 13,003 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2010
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
42220Construction of utility projects for electricity and telecommunications
43110Demolition
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.