Summary
STEVEN FLEURENT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €142,042 and a net result of €29,446. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 71% of 8094 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 · 10 filingsDeviation from the deadline
2025
14 d early
2024
12 d early
2023
9 d early
2022
24 d early
2021
2 d late
2020
3 d early
2019
7 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 19 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€142,042▲ 1.0%
2024 · €140,597
Net result
€29,446▲ 21.9%
2024 · €24,162
Total assets
€191,158▲ 5.0%
2024 · €182,137
Solvency
74.3%▼ 2.9pp
2024 · 77.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€77,221▲ 93.8%€70,548▼ 8.6%€55,096▼ 21.9%€44,042▼ 20.1%€32,780▼ 25.6%
Net result€74,791within the sector's middle half▲ 91.6%€69,999within the sector's middle half▼ 6.4%€52,010within the sector's middle half▼ 25.7%€24,162within the sector's middle half▼ 53.5%€29,446within the sector's middle half▲ 21.9%
Equity€112,275below the sector's middle half▲ 4.5%€132,274below the sector's middle half▲ 17.8%€140,434below the sector's middle half▲ 6.2%€140,597within the sector's middle half▲ 0.1%€142,042within the sector's middle half▲ 1.0%
Total assets€193,866below the sector's middle half▲ 19.3%€193,529below the sector's middle half▼ 0.2%€202,562below the sector's middle half▲ 4.7%€182,137within the sector's middle half▼ 10.1%€191,158within the sector's middle half▲ 5.0%
Debt€81,591▲ 48.1%€61,255▼ 24.9%€62,128▲ 1.4%€41,541▼ 33.1%€49,116▲ 18.2%
Working capital€51,961within the sector's middle half▲ 44.2%-€59,305within the sector's middle half-€9,997within the sector's middle half▲ 83.1%€58,761within the sector's middle half€79,083within the sector's middle half▲ 34.6%
Solvency57.9%within the sector's middle half▼ 8.2pp68.3%within the sector's middle half▲ 10.4pp69.3%within the sector's middle half▲ 1.0pp77.2%within the sector's middle half▲ 7.9pp74.3%within the sector's middle half▼ 2.9pp
Current ratio1.64within the sector's middle half▼ 0.020.03below the sector's middle half▼ 1.610.84within the sector's middle half▲ 0.812.41within the sector's middle half▲ 1.582.61within the sector's middle half▲ 0.20
Return on assets (ROA)38.6%above the sector's middle half▲ 14.6pp36.2%above the sector's middle half▼ 2.4pp25.7%above the sector's middle half▼ 10.5pp13.3%within the sector's middle half▼ 12.4pp15.4%within the sector's middle half▲ 2.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 26% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191,158
Fixed assets
€62,959 ▼ 23.1%
Current assets
€128,199 ▲ 27.8%
Equity and liabilities €191,158
Equity
€142,042 ▲ 1.0%
Debt
€49,116 ▲ 18.2%
Debt's share of the balance-sheet total rises from 22.8% to 25.7%. Equity and debt are higher.
Key figures and ratios
ROE
20.7%▲
2024 · 17.2%
Debt ≤ 1 year
€49,116▲
2024 · €41,541
Income taxes
€2,727▲
2024 · €2,580
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €7,000 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,519 | €22,144 | €41,734 | €29,708 | €24,478 | ▼ 17.6% |
| Other operating charges640/8 | €111 | €112 | €115 | €126 | €128 | ▲ 1.6% |
| Gross operating margin9900 | €93,851 | €92,804 | €96,945 | €73,876 | €57,385 | ▼ 22.3% |
| Operating profit (loss)9901 | €77,221 | €70,548 | €55,096 | €44,042 | €32,780 | ▼ 25.6% |
| Financial income75/76B | €140 | €0 | - | €905 | €1,802 | ▲ 99.2% |
| Recurring financial income75 | €140 | €0 | - | €905 | €1,802 | ▲ 99.2% |
| Financial charges65/66B | €59 | €107 | €114 | €18,204 | €2,410 | ▼ 86.8% |
| Recurring financial charges65 | €59 | €107 | €114 | €1,313 | €2,410 | ▲ 83.5% |
| Non-recurring financial charges66B | - | - | - | €16,891 | - | - |
| Profit (loss) for the period before taxes9903 | €77,301 | €70,441 | €54,982 | €26,743 | €32,172 | ▲ 20.3% |
| Income taxes67/77 | €2,511 | €442 | €2,972 | €2,580 | €2,727 | ▲ 5.7% |
| Profit (loss) for the period9904 | €74,791 | €69,999 | €52,010 | €24,162 | €29,446 | ▲ 21.9% |
| Profit (loss) for the period to be appropriated9905 | €74,791 | €69,999 | €52,010 | €24,162 | €29,446 | ▲ 21.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €193,866 | €193,529 | €202,562 | €182,137 | €191,158 | ▲ 5.0% |
| Formation expenses20 | €0 | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €60,315 | €191,579 | €150,431 | €81,836 | €62,959 | ▼ 23.1% |
| Tangible fixed assets22/27 | €60,315 | €191,579 | €150,431 | €81,836 | €62,959 | ▼ 23.1% |
| Land and buildings22 | €46,847 | €124,559 | €98,009 | €72,134 | €55,365 | ▼ 23.2% |
| Plant, machinery and equipment23 | €6,582 | €9,096 | €8,025 | €6,627 | €5,229 | ▼ 21.1% |
| Furniture and vehicles24 | €6,885 | €57,925 | €44,397 | €3,075 | €2,365 | ▼ 23.1% |
| Current assets29/58 | €133,552 | €1,950 | €52,131 | €100,301 | €128,199 | ▲ 27.8% |
| Amounts receivable within one year40/41 | €2,499 | - | - | €50,000 | €50,389 | ▲ 0.8% |
| Trade receivables40 | - | - | - | - | €14 | - |
| Other amounts receivable41 | €2,499 | - | - | €50,000 | €50,376 | ▲ 0.8% |
| Cash at bank and in hand54/58 | €129,553 | €575 | €50,495 | €48,583 | €72,241 | ▲ 48.7% |
| Deferred charges and accrued income490/1 | €1,500 | €1,375 | €1,637 | €1,718 | €5,569 | ▲ 224% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €193,866 | €193,529 | €202,562 | €182,137 | €191,158 | ▲ 5.0% |
| Equity10/15 | €112,275 | €132,274 | €140,434 | €140,597 | €142,042 | ▲ 1.0% |
| Contributions10/11 | €12,400 | €12,400 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €99,875 | €119,874 | €121,884 | €122,047 | €123,492 | ▲ 1.2% |
| Non-distributable reserves130/1 | €1,855 | €1,855 | - | - | - | - |
| Reserves not available under the articles1311 | €1,855 | €1,855 | - | - | - | - |
| Distributable reserves133 | €98,020 | €118,019 | €121,884 | €122,047 | €123,492 | ▲ 1.2% |
| Amounts payable17/49 | €81,591 | €61,255 | €62,128 | €41,541 | €49,116 | ▲ 18.2% |
| Amounts payable within one year42/48 | €81,591 | €61,255 | €62,128 | €41,541 | €49,116 | ▲ 18.2% |
| Trade debts44 | €1,062 | €6,233 | €851 | €2,157 | €7,425 | ▲ 244% |
| Suppliers440/4 | €1,062 | €6,233 | €851 | €2,157 | €7,425 | ▲ 244% |
| Taxes, remuneration and social security45 | €7,876 | €2,940 | €9,821 | €15,263 | €12,970 | ▼ 15.0% |
| Taxes450/3 | €7,876 | €2,940 | €9,821 | €15,263 | €12,970 | ▼ 15.0% |
| Other amounts payable47/48 | €72,654 | €52,083 | €51,456 | €24,120 | €28,721 | ▲ 19.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €74,791 | €69,999 | €52,010 | €24,162 | €29,446 | ▲ 21.9% |
| + Depreciation and write-downs630 | €16,519 | €22,144 | €41,734 | €29,708 | €24,478 | ▼ 17.6% |
| Operating cash flow (approximation) | €91,310 | €92,143 | €93,745 | €53,871 | €53,923 | ▲ 0.1% |
| Investment in fixed assets (approximation) | - | -€153,409 | -€586 | €38,886 | -€5,600 | ▼ 114% |
| Change in cash | - | -€128,978 | €49,920 | -€1,912 | €23,658 | ▲ 1,338% |
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €24,162 ▼53.5%
Net result drops to €24,162, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 2.41
Current ratio from 0.84 to 2.41; short-term debt falls from €62,128 to €41,541.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
31-12
Financial
Highest result since 2018net €74,791 ▲91.6%
Operating result €77,221, net result €74,791, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100,000Eq €107,485 ▲8.1%
3 profitable years in a row build equity to €107,485.
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 7 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Waregem · 1 establishment unit since 2013
Ground area
1,204 m²
Building footprint
271 m²
Volume, LiDAR
1,239 m³
Parcel 34006B0129/00R000, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEVEN FLEURENT
since 20132.218.371.885
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34006B0129/00R000 | Flanders | 1,204 m² | 1 · 271 m² | 11.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- FLEDER
- STEVEN FLEURENT
Highest known parent: FLEDER. The sources do not say who stands above it.
Owners 1
- FLEDERparentSourceaccounts FLEDER 2025100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,420 EUR awarded · 2,420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,420 EUR | 2,420 EUR |
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 13,123 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
Founded02-04-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0525944985
Also
9925:BE0525944985
Registered
25-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.