STEVEN
ActiveSummary
STEVEN has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €530k and a net result of €31k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 1526 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-4
Solvency97▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.41 against 2.36 in 2024; short-term debt: 19.5% and cash: 38.5% of total assets), and 27.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Rental and leasing activities (NACE 77)
about 44% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
72.1%
Return on assets
4.3%
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 26-08-2026, 26 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
26 d late
2024
27 d late
2023
27 d late
2022
32 d early
2021
24 d early
2020
60 d late
2019
32 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€530k▲ 6.1%
2024 · €499k
2018: €324klowest in 8 years
2019: €332k▲ +2.7% vs 2018
2020: €325k▼ -2.3% vs 2019
2021: €342k▲ +5.2% vs 2020
2022: €385k▲ +12.6% vs 2021
2023: €449k▲ +16.6% vs 2022
2024: €499k▲ +11.2% vs 2023
2025: €530k▲ +6.1% vs 2024highest in 8 years
2018 → 2025
Total assets
€735k▲ 4.1%
2024 · €706k
2018: €434klowest in 8 years
2019: €641k▲ +47.8% vs 2018
2020: €616k▼ -3.9% vs 2019
2021: €637k▲ +3.4% vs 2020
2022: €636k▼ -0.2% vs 2021
2023: €677k▲ +6.5% vs 2022
2024: €706k▲ +4.2% vs 2023
2025: €735k▲ +4.1% vs 2024highest in 8 years
2018 → 2025
Net result
€31k▼ 38.2%
2024 · €51k
2018: €36k
2019: €9k▼ -73.6% vs 2018
2020: €-7k▼ -172% vs 2019lowest in 8 years
2021: €18k▲ +363% vs 2020
2022: €44k▲ +146% vs 2021
2023: €65k▲ +47.6% vs 2022highest in 8 years
2024: €51k▼ -21.4% vs 2023
2025: €31k▼ -38.2% vs 2024
2018 → 2025
Working capital
€203k▲ 21.2%
2024 · €167k
2018: €208khighest in 8 years
2019: €131k▼ -37.3% vs 2018
2020: €121k▼ -7.3% vs 2019lowest in 8 years
2021: €135k▲ +11.2% vs 2020
2022: €172k▲ +27.5% vs 2021
2023: €198k▲ +15.5% vs 2022
2024: €167k▼ -15.6% vs 2023
2025: €203k▲ +21.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€342k-€385k▲ 12.6%€449k▲ 16.6%€499k▲ 11.2%€530k▲ 6.1%
2021: €342klowest in 5 years
2022: €385k▲ +12.6% vs 2021
2023: €449k▲ +16.6% vs 2022
2024: €499k▲ +11.2% vs 2023
2025: €530k▲ +6.1% vs 2024highest in 5 years
Operating result€27k-€63k▲ 131%€93k▲ 48.2%€75k▼ 19.6%€48k▼ 35.4%
2021: €27klowest in 5 years
2022: €63k▲ +131% vs 2021
2023: €93k▲ +48.2% vs 2022highest in 5 years
2024: €75k▼ -19.6% vs 2023
2025: €48k▼ -35.4% vs 2024
Net result€18k-€44k▲ 146%€65k▲ 47.6%€51k▼ 21.4%€31k▼ 38.2%
2021: €18klowest in 5 years
2022: €44k▲ +146% vs 2021
2023: €65k▲ +47.6% vs 2022highest in 5 years
2024: €51k▼ -21.4% vs 2023
2025: €31k▼ -38.2% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €735k
Fixed assets
€388k ▼ 6.7%
Current assets
€346k ▲ 19.5%
Equity and liabilities €735k
Equity
€530k ▲ 6.1%
Debt
€205k ▼ 0.9%
Debt's share of the balance-sheet total falls from 29.3% to 27.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84k▼
2024 · €103k
Cash flow
€68k▼
2024 · €80k
Current ratio
2.41▲
2024 · 2.36
Quick ratio
2.17▲
2024 · 1.90
Debt to equity
0.39▼
2024 · 0.41
ROE
5.9%▼
2024 · 10.2%
ROA
4.3%▼
2024 · 7.2%
Interest coverage
10.85▼
2024 · 11.88
Debt ≤ 1 year
€143k▲
2024 · €123k
Debt > 1 year
€55k▼
2024 · €77k
Income taxes
€12k▼
2024 · €19k
Staff costs
€17k▼
2024 · €23k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€706k€735k▲
Fixed assets21/28€416k€388k▼
Tangible fixed assets22/27€416k€388k▼
Land and buildings22€357k€338k▼
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24€58k€46k▼
Financial fixed assets28€0-
Current assets29/58€290k€346k▲
Stocks and contracts in progress3€57k€34k▼
Stocks30/36€57k€34k▼
Amounts receivable within one year40/41€17k€28k▲
Trade receivables40€5k€17k▲
Other amounts receivable41€12k€12k▼
Cash at bank and in hand54/58€216k€283k▲
Deferred charges and accrued income490/1€438€201▼
Equity and liabilities
Total equity and liabilities10/49€706k€735k▲
Equity10/15€499k€530k▲
Contributions10/11€19k€19k=
Reserves13€319k€351k▲
Distributable reserves133€319k€351k▲
Profit (loss) carried forward14€161k€161k▼
Amounts payable17/49€207k€205k▼
Amounts payable after more than one year17€77k€55k▼
Financial debts170/4€77k€55k▼
Amounts payable within one year42/48€123k€143k▲
Current portion of amounts payable after more than one year42€20k€20k▲
Trade debts44€7k€9k▲
Suppliers440/4€7k€9k▲
Advances received on contracts in progress46-€14k
Taxes, remuneration and social security45€9k€12k▲
Taxes450/3€5k€8k▲
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€86k€89k▲
Accrued charges and deferred income492/3€7k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€23k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€36k▲
Other operating charges640/8€6k€7k▲
Gross operating margin9900€133k€108k▼
Operating profit (loss)9901€75k€48k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€70k€44k▼
Income taxes67/77€19k€12k▼
Profit (loss) for the period9904€51k€31k▼
Profit (loss) for the period to be appropriated9905€51k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€213k€193k▼
Profit (loss) brought forward from the previous period14P€162k€161k▼
Transfer to equity691/2€51k€31k▼
To other reserves6921€51k€31k▼
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €9k | €20k | €22k | €23k | €17k | ▼ 24.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25k | €28k | €17k | €29k | €36k | ▲ 24.8% |
| Other operating charges640/8 | €6k | €7k | €8k | €6k | €7k | ▲ 7.1% |
| Gross operating margin9900 | €67k | €119k | €140k | €133k | €108k | ▼ 18.4% |
| Operating profit (loss)9901 | €27k | €63k | €93k | €75k | €48k | ▼ 35.4% |
| Financial income75/76B | €3k | €4k | €4k | €4k | €3k | ▼ 6.7% |
| Recurring financial income75 | €3k | €4k | €4k | €4k | €3k | ▼ 6.7% |
| Financial charges65/66B | €6k | €6k | €7k | €9k | €8k | ▼ 10.9% |
| Recurring financial charges65 | €6k | €6k | €7k | €9k | €8k | ▼ 10.9% |
| Profit (loss) for the period before taxes9903 | €24k | €61k | €90k | €70k | €44k | ▼ 36.9% |
| Income taxes67/77 | €6k | €17k | €25k | €19k | €12k | ▼ 33.4% |
| Profit (loss) for the period9904 | €18k | €44k | €65k | €51k | €31k | ▼ 38.2% |
| Transfer from tax-exempt reserves789 | €10k | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €28k | €44k | €65k | €51k | €31k | ▼ 38.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €637k | €636k | €677k | €706k | €735k | ▲ 4.1% |
| Fixed assets21/28 | €344k | €331k | €354k | €416k | €388k | ▼ 6.7% |
| Tangible fixed assets22/27 | €344k | €329k | €352k | €416k | €388k | ▼ 6.7% |
| Land and buildings22 | €341k | €327k | €350k | €357k | €338k | ▼ 5.3% |
| Plant, machinery and equipment23 | €3k | €3k | €2k | €1k | €5k | ▲ 310% |
| Furniture and vehicles24 | - | - | - | €58k | €46k | ▼ 21.2% |
| Financial fixed assets28 | - | €1k | €1k | €0 | - | - |
| Current assets29/58 | €293k | €305k | €324k | €290k | €346k | ▲ 19.5% |
| Stocks and contracts in progress3 | €49k | €78k | €75k | €57k | €34k | ▼ 39.5% |
| Stocks30/36 | €49k | €78k | €75k | €57k | €34k | ▼ 39.5% |
| Amounts receivable within one year40/41 | €4k | €16k | €17k | €17k | €28k | ▲ 69.0% |
| Trade receivables40 | €34 | €11k | €9k | €5k | €17k | ▲ 224% |
| Other amounts receivable41 | €4k | €5k | €8k | €12k | €12k | ▼ 0.7% |
| Cash at bank and in hand54/58 | €239k | €211k | €231k | €216k | €283k | ▲ 31.3% |
| Deferred charges and accrued income490/1 | €816 | - | €526 | €438 | €201 | ▼ 54.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €637k | €636k | €677k | €706k | €735k | ▲ 4.1% |
| Equity10/15 | €342k | €385k | €449k | €499k | €530k | ▲ 6.1% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €160k | €204k | €268k | €319k | €351k | ▲ 9.9% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €158k | €202k | €268k | €319k | €351k | ▲ 9.9% |
| Profit (loss) carried forward14 | €163k | €162k | €162k | €161k | €161k | ▼ 0.5% |
| Amounts payable17/49 | €295k | €251k | €228k | €207k | €205k | ▼ 0.9% |
| Amounts payable after more than one year17 | €137k | €117k | €97k | €77k | €55k | ▼ 28.5% |
| Financial debts170/4 | €137k | €117k | €97k | €77k | €55k | ▼ 28.5% |
| Amounts payable within one year42/48 | €158k | €134k | €126k | €123k | €143k | ▲ 17.1% |
| Current portion of amounts payable after more than one year42 | €20k | €20k | €20k | €20k | €20k | ▲ 1.1% |
| Trade debts44 | €20k | €7k | €6k | €7k | €9k | ▲ 19.0% |
| Suppliers440/4 | €20k | €7k | €6k | €7k | €9k | ▲ 19.0% |
| Advances received on contracts in progress46 | - | - | - | - | €14k | - |
| Taxes, remuneration and social security45 | €30k | €17k | €12k | €9k | €12k | ▲ 32.6% |
| Taxes450/3 | €27k | €13k | €12k | €5k | €8k | ▲ 59.5% |
| Remuneration and social security454/9 | €3k | €4k | - | €4k | €4k | ▼ 3.5% |
| Other amounts payable47/48 | €89k | €90k | €87k | €86k | €89k | ▲ 3.2% |
| Accrued charges and deferred income492/3 | - | - | €5k | €7k | €6k | ▼ 11.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €44k | €65k | €51k | €31k | ▼ 38.2% |
| + Depreciation and write-downs630 | €25k | €28k | €17k | €29k | €36k | ▲ 24.8% |
| Operating cash flow (approximation) | €43k | €72k | €82k | €80k | €68k | ▼ 15.4% |
| Investment in fixed assets (approximation) | - | €-15k | €-40k | €-91k | €-8k | ▲ 90.8% |
| Change in cash | - | €-28k | €20k | €-15k | €68k | ▲ 546% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Equity above €500kEq €530k ▲6.1%
5 profitable years in a row build equity to €530k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Highest result since 2018net €65k ▲47.6%
Operating result €93k, net result €65k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 48 days late
12-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 408 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Torhout · 1 establishment unit since 1997
Ground area
1,351 m²
Building footprint
429 m²
Volume, LiDAR
3,120 m³
2 parcels, Flanders · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STEVEN BVBA
since 19972.081.055.222
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31522C0807/00K002 | Flanders | 1,191 m² | 1 · 302 m² | 9.7 m · 2 fl. |
| 31033I0655/00E002 | Flanders | 160 m² | 1 · 128 m² | 13.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2025 · 1 entry · 2,534 EUR awarded · 2,534 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,534 EUR | 2,534 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Similar companies · same sector, comparable size
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BE 0669.829.837
Walcourt · Eq €417k
EX TEMPO SYSTEMS
BE 0428.911.927
Merelbeke-Melle · Eq €319k
TEXTIL LEASING SERVICE
BE 0448.346.272
Eupen · Eq €967k
Evetra
BE 0400.517.156
Elsene · Eq €223k
Of 173 companies in sector 77224 we hold annual accounts for 41. 20 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
Founded26-09-1996
Fiscal year end31-12
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
77224Rental and leasing activities
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47789Other retail sale of new goods
Scores and ratios are computed by Checked and are not a credit decision.