Equity
€529,746 ▲ 6.1%
STEVEN paid out €833 in dividends. That is 3% of the 2025 profit.
STEVEN
Lifetime
20 annual accounts with figures on one time axis, 29 filings since 1997peak €139,889 (2023)
€108,163▼ 18.4%
lowest -€6,797 (2020)
€31,482▼ 38.2%
peak €529,746 (2025)
€529,746▲ 6.1%
€204,872▼ 0.9%
peak 1.2 FTE (2019)
-not published
Board2 names since 2021
2 directorsMichiels Sabrina and 1 other
Documentsfilings and deeds
26-08-202626 days late
2025micro format
Gross margin from €132,568 to €108,163Result from €50,935 to €31,482Dividend €833Cash from €215,539 to €283,060
Key points
from the 2025 annual accountsFilings
29 annual accounts since 1997
Seven of the last ten came late. The 2016 accounts came latest: 408 days after the end of the period.
Position in the sector
€529,746
More equity than 92% of companies in rental and leasing. Sector median €45,393 · 1,853 companies.
Checked score
97
Excellent
Financially stronger than 73% of micro companies in rental and leasing (NACE 77)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.5% across 3,166 companies (NACE 77, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025
09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value
09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 2.41, cash €283,060
Size: total assets €734,617
Founded in 1996
Equity €529,746 (72.1% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 77, micro). It does better than 81% of them on solvency, 92% on liquidity, 61% on profitability and 57% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as STEVEN has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STEVEN itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for STEVEN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.41 (2.36 in 2024), above the usual 1.5. Short-term debt is 19.5% and cash 38.5% of total assets. 27.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 26 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
26 days late
2024
27 days late
2023
27 days late
2022
32 days early
2021
24 days early
2020
60 days late
2019
32 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 17 days after the deadline. In the sector (NACE 77), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 August (4 of the last 5 accounts filed within 50 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Appointment: Steven Michiels (successor statutory director)
“Verhuur en verkoop van ceremoniekledij(trouwjurken,herenkostuums,feestkledij,gelegenheidskledij,kinderoutfits…” (deed in Dutch) · General meeting of 12-12-2023 · Gazette deed
First establishment
STEVEN BVBA, Oostendestraat 100, Torhout
Incorporation
published on 09-10-1996 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STEVEN Torhout | €734,617 | €108,163 | 72.1% | - |
| W-DRESS Zedelgem | €586,166 | €105,711 | 21.8% | - |
| DCP GROUP Diksmuide | €342,190 | €54,722 | 54.8% | - |
| Evetra Ixelles | €778,861 | €191,226 | 28.6% | 2.6 |
| ETABLISSEMENT JOHN KENNIS Ixelles | €331,597 | €77,353 | 45.3% | - |
| De Feestwinkel Oudenaarde | €749,829 | €392,867 | 12.7% | 6.6 |
| CEREMONIE DUCHEYNE Antwerp | €237,431 | €121,090 | 91.1% | - |
These companies have the same main activity as STEVEN: rental and leasing activities (NACE 77224). They are comparable in size and age: total assets between €237,000 and €779,000, founded between 1968 and 2013.
Official details
Source: KBO- Status
- Active since 26-09-1996Normal situation
- Activity
- Rental and leasing activitiesNACE 77224and 3 others
- Joint committee
- 109Clothing and garment industry · annual accounts 2023
- Establishment unit
- 2.081.055.2228820 Torhout, since 25-03-1997
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- ≈ €270,000estimated
- €734,617▲ 4.1%
- Employeeson 31-12-2025
- 0▼ 100%
- Filing
- Filed on 26-08-2026
Insights on STEVEN
STEVEN files the micro format. That format states no turnover. The gross margin rose from €20,077 in 2006 to €108,163 in 2025.
The balance sheet grew most from 2017 to 2019 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STEVEN
- What is the company number of STEVEN?
- The company number of STEVEN is 0458.889.083. The VAT number is the same number with BE in front: BE 0458.889.083.
- Where is STEVEN based?
- The registered office is at Bruggestraat 161A, 8820 Torhout.Company details
- What does STEVEN do?
- According to the KBO register, the main activity is rental and leasing activities (NACE 77224).
- What is the legal form of STEVEN?
- STEVEN is a private limited company (BV).
- When was STEVEN founded?
- STEVEN was founded on 26-09-1996.
- Is STEVEN still active?
- Yes, STEVEN is an active enterprise in the KBO register.
- How many employees does STEVEN have?
- STEVEN had an average of 0.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does STEVEN fall under?
- In its 2023 annual accounts, STEVEN states joint committee 109 (Clothing and garment industry).
- What is the turnover of STEVEN?
- The turnover in financial year 2025 is ≈ €270,000. This figure is estimated from the gross margin of €108,163 and 2,205 comparable companies of the same size. It probably lies between €180,000 and €420,000. It is a rough estimate.
- Is STEVEN profitable?
- In financial year 2025, STEVEN made a profit of €31,482.
- Where can I find the annual accounts of STEVEN?
- STEVEN filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STEVEN due?
- STEVEN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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