Steve Janssens
ActiveSteve Janssens has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €389k and a net result of €30k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 18% of 1722 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-3
Solvency40▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 0.35 against 0.46 in 2024; short-term debt: 41.7% and cash: 0.6% of total assets), and 85% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
15%
Return on assets
1.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 1722 sector peers (2025).
NBB · sector comparisonPosition among 1722 sector peers
Solvency
better than 18%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
14 d early
2024
15 d early
2023
on the day
2022
on the day
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€389k▲ 8.3%
2024 · €359k
2022: €194k
2023: €251k
2024: €359k
2022 → 2025
Total assets
€2.59M▼ 14.8%
2024 · €3.04M
2022: €2.04M
2023: €2.96M
2024: €3.04M
2022 → 2025
Net result
€30k▼ 72.6%
2024 · €109k
2022: €184k
2023: €58k
2024: €109k
2022 → 2025
Working capital
€-699k▼ 0.4%
2024 · €-696k
2022: €-367k
2023: €-666k
2024: €-696k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€194k-€251k▲ 29.8%€359k▲ 42.8%€389k▲ 8.3%
Operating result€203k-€109k▼ 46.4%€193k▲ 77.2%€98k▼ 49.3%
Net result€184k-€58k▼ 68.5%€109k▲ 89.2%€30k▼ 72.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.59M
Fixed assets
€2.21M▼ 9.8%
Current assets
€380k▼ 35.4%
Equity and liabilities €2.59M
Equity
€389k▲ 8.3%
Debt
€2.20M▼ 17.9%
The debt ratio falls from 88.2% to 85.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€641k▼
2024 · €727k
Cash flow
€573k▼
2024 · €643k
Solvency
15.0%▲
2024 · 11.8%
Current ratio
0.35▼
2024 · 0.46
Quick ratio
0.34▼
2024 · 0.44
Debt / equity
5.65▼
2024 · 7.46
ROE
7.7%▼
2024 · 30.4%
ROA
1.2%▼
2024 · 3.6%
Interest coverage
9.68▲
2024 · 9.20
Debt
€2.20M▼
2024 · €2.68M
Debt ≤ 1 year
€1.08M▼
2024 · €1.28M
Debt > 1 year
€1.12M▼
2024 · €1.38M
Income taxes
€3k▼
2024 · €5k
Staff costs
€604k▼
2024 · €660k
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€3.04M€2.59M▼
Fixed assets21/28€2.45M€2.21M▼
Intangible fixed assets21€7k€5k▼
Tangible fixed assets22/27€2.44M€2.20M▼
Plant, machinery and equipment23€342k€316k▼
Furniture and vehicles24€174k€116k▼
Leasing and similar rights25€1.91M€1.75M▼
Other tangible fixed assets26€15k€18k▲
Financial fixed assets28€2k€2k=
Current assets29/58€589k€380k▼
Stocks and contracts in progress3€22k€17k▼
Stocks30/36€22k€17k▼
Amounts receivable within one year40/41€309k€327k▲
Trade receivables40€309k€327k▲
Other amounts receivable41€0€428▲
Cash at bank and in hand54/58€209k€16k▼
Deferred charges and accrued income490/1€48k€19k▼
Equity and liabilities
Total equity and liabilities10/49€3.04M€2.59M▼
Equity10/15€359k€389k▲
Contributions10/11€10k€10k=
Reserves13€349k€379k▲
Distributable reserves133€349k€379k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€2.68M€2.20M▼
Amounts payable after more than one year17€1.38M€1.12M▼
Financial debts170/4€1.38M€1.12M▼
Amounts payable within one year42/48€1.28M€1.08M▼
Current portion of amounts payable after more than one year42€532k€551k▲
Financial debts43€156k€156k=
Credit institutions430/8€156k€156k=
Trade debts44€328k€200k▼
Suppliers440/4€328k€200k▼
Taxes, remuneration and social security45€81k€60k▼
Taxes450/3€17k€6k▼
Remuneration and social security454/9€65k€54k▼
Other amounts payable47/48€187k€112k▼
Accrued charges and deferred income492/3€10k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€660k€604k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€534k€543k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€918€0▼
Other operating charges640/8€53k€53k▼
Gross operating margin9900€1.44M€1.30M▼
Operating profit (loss)9901€193k€98k▼
Financial income75/76B€93€833▲
Recurring financial income75€93€833▲
Financial charges65/66B€79k€66k▼
Recurring financial charges65€79k€66k▼
Profit (loss) for the period before taxes9903€114k€33k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€109k€30k▼
Profit (loss) for the period to be appropriated9905€109k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€109k€30k▼
Transfer to equity691/2€108k€30k▼
To other reserves6921€108k€30k▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
Social balance
Average headcount (FTE)908711.010.3▼
The notes to these accounts (30 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €30k ▼72.6%
Net result drops to €30k, the lowest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €251k ▲29.8%
2 profitable years in a row build equity to €251k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Merksplas · 1 establishment unit since 2021
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.
Hoekeinde 492330 MerksplasGround area
275 m²
Building footprint
275 m²
Volume, LiDAR
1,462 m³
Parcel 13023H0164/00F002, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Steve Janssens
since 20212.325.424.451
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13023H0164/00F002 | Flanders | 275 m² | 1 · 275 m² | 8.5 m · 2 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
2022 to 2025 · 5 entries · 11,482 EUR awarded · 11,712 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 927 EUR | 867 EUR |
| 2024 | 1 | 1,072 EUR | 1,471 EUR |
| 2023 | 2 | 9,281 EUR | 9,172 EUR |
| 2022 | 1 | 202 EUR | 202 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
HERTEN FRUIT
BE 0466.972.450
Wellen · Eq €420k
STARPACK
BE 0885.663.349
Sint-Katelijne-Waver · Eq €360k
L&G FRUIT SERVICES
BE 0841.473.218
Alken · Eq €436k
RUMMENS FREDDY
BE 0451.510.353
Hoegaarden · Eq €441k
GreenStay Belgium
BE 0500.657.580
Kinrooi · Eq €446k
Of 154 companies in sector 01630 we hold annual accounts for 62. 52 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2021
Fiscal year end31-12
Activities, NACEBEL
01610Support activities for crop production
01630Crop and animal production, hunting and related service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@steve-janssens.be