STEVEN DEWAELE
ActiveSTEVEN DEWAELE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €407k and a net result of €24k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-4
Solvency98▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 11.15 against 10.43 in 2024; short-term debt: 4.2% and cash: 15% of total assets), and 27% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
73%
Return on assets
4.2%
Age of the figures
9 mo
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
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
7 d early
2023
8 d early
2022
28 d late
2021
31 d late
2020
31 d late
2019
20 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€407k▲ 6.2%
2024 · €383k
2018: €217k
2019: €256k
2020: €264k
2021: €269k
2022: €315k
2023: €344k
2024: €383k
2018 → 2025
Total assets
€558k▲ 2.8%
2024 · €542k
2018: €241k
2019: €300k
2020: €506k
2021: €497k
2022: €532k
2023: €530k
2024: €542k
2018 → 2025
Net result
€24k▼ 39.1%
2024 · €39k
2018: €24k
2019: €39k
2020: €8k
2021: €5k
2022: €45k
2023: €30k
2024: €39k
2018 → 2025
Working capital
€236k▲ 18.3%
2024 · €200k
2018: €208k
2019: €216k
2020: €190k
2021: €188k
2022: €212k
2023: €240k
2024: €200k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€269k-€315k▲ 16.9%€344k▲ 9.4%€383k▲ 11.3%€407k▲ 6.2%
Operating result€11k-€49k▲ 356%€41k▼ 16.6%€53k▲ 29.5%€33k▼ 36.7%
Net result€5k-€45k▲ 764%€30k▼ 35.0%€39k▲ 31.6%€24k▼ 39.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €558k
Fixed assets
€298k▼ 7.3%
Current assets
€260k▲ 17.5%
Equity and liabilities €558k
Equity
€407k▲ 6.2%
Debt
€151k▼ 5.3%
The debt ratio falls from 29.3% to 27.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▼
2024 · €67k
Cash flow
€47k▼
2024 · €53k
Solvency
73.0%▲
2024 · 70.7%
Current ratio
11.15▲
2024 · 10.43
Quick ratio
11.01▲
2024 · 10.43
Debt / equity
0.37▼
2024 · 0.42
ROE
5.8%▼
2024 · 10.1%
ROA
4.2%▼
2024 · 7.2%
Interest coverage
17.60▲
2024 · 14.63
Debt
€151k▼
2024 · €159k
Debt ≤ 1 year
€23k▲
2024 · €21k
Debt > 1 year
€123k▼
2024 · €136k
Income taxes
€9k▼
2024 · €13k
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€542k€558k▲
Fixed assets21/28€321k€298k▼
Tangible fixed assets22/27€321k€298k▼
Land and buildings22€243k€238k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€76k€59k▼
Current assets29/58€221k€260k▲
Amounts receivable after more than one year29€6k-
Other amounts receivable291€6k-
Stocks and contracts in progress3-€3k
Contracts in progress37-€3k
Amounts receivable within one year40/41€92k€171k▲
Trade receivables40€66k€164k▲
Other amounts receivable41€26k€7k▼
Cash at bank and in hand54/58€121k€84k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€542k€558k▲
Equity10/15€383k€407k▲
Contributions10/11€19k€19k=
Reserves13€365k€388k▲
Distributable reserves133€365k€388k▲
Amounts payable17/49€159k€151k▼
Amounts payable after more than one year17€136k€123k▼
Financial debts170/4€136k€123k▼
Amounts payable within one year42/48€21k€23k▲
Current portion of amounts payable after more than one year42€13k€13k=
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Other amounts payable47/48-€6k
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€23k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€68k€58k▼
Operating profit (loss)9901€53k€33k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€52k€33k▼
Income taxes67/77€13k€9k▼
Profit (loss) for the period9904€39k€24k▼
Profit (loss) for the period to be appropriated9905€39k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€24k▼
Transfer to equity691/2€39k€24k▼
To other reserves6921€39k€24k▼
The notes to these accounts (5 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Highest result since 2018net €45k ▲764%
Net result €45k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €5k ▼31.7%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 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, Wingene · 1 establishment unit since 2013
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.
Bruggestraat 408750 WingeneGround area
1,148 m²
Building footprint
194 m²
Volume, LiDAR
1,169 m³
Parcel 37019A0965/00K000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Steven Dewaele
since 20132.216.439.805
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37019A0965/00K000 | Flanders | 1,148 m² | 1 · 194 m² | 10.2 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.
Similar companies · same sector, comparable size
Etablissements Hervé HUBERT et fils
BE 0422.516.657
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WA-RM
BE 0661.906.818
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AQUA & FIRE
BE 0690.851.717
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SCHUURBIERS
BE 0866.252.857
Kontich · Eq €406k
Loockx
BE 0466.388.866
Scherpenheuvel-Zichem · Eq €406k
Of 7,038 companies in sector 43221 we hold annual accounts for 3,469. 2,501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2013
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.