STEVEN PLOVIE
ActiveSTEVEN PLOVIE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €367k and a net result of €69k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 9623 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▲+4
Solvency93▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 2.37 in 2023; short-term debt: 32.2% and cash: 70.6% of total assets), and 32.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-08-2025, 7 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
7 d late
2023
on the day
2022
23 d late
2021
3 d early
2020
25 d late
2019
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€367k▲ 23.2%
2023 · €298k
2019: €101k
2020: €171k
2021: €217k
2022: €251k
2023: €298k
2019 → 2024
Total assets
€541k▲ 10.7%
2023 · €489k
2019: €277k
2020: €343k
2021: €400k
2022: €439k
2023: €489k
2019 → 2024
Net result
€69k▲ 48.0%
2023 · €47k
2019: €83k
2020: €70k
2021: €46k
2022: €34k
2023: €47k
2019 → 2024
Working capital
€336k▲ 28.1%
2023 · €262k
2019: €59k
2020: €126k
2021: €177k
2022: €215k
2023: €262k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€171k-€217k▲ 27.2%€251k▲ 15.5%€298k▲ 18.6%€367k▲ 23.2%
Operating result€84k-€68k▼ 19.4%€48k▼ 28.8%€67k▲ 39.3%€87k▲ 29.2%
Net result€70k-€46k▼ 33.2%€34k▼ 27.4%€47k▲ 38.6%€69k▲ 48.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 29% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €541k
Fixed assets
€31k▼ 12.4%
Current assets
€510k▲ 12.5%
Equity and liabilities €541k
Equity
€367k▲ 23.2%
Debt
€174k▼ 8.9%
The debt ratio falls from 39.1% to 32.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▲
2023 · €71k
Cash flow
€74k▲
2023 · €51k
Solvency
67.8%▲
2023 · 60.9%
Current ratio
2.93▲
2023 · 2.37
Quick ratio
2.53▲
2023 · 1.76
Debt / equity
0.47▼
2023 · 0.64
ROE
18.9%▲
2023 · 15.7%
ROA
12.8%▲
2023 · 9.6%
Interest coverage
638.08▲
2023 · 9.00
Debt
€174k▼
2023 · €191k
Debt ≤ 1 year
€174k▼
2023 · €191k
Income taxes
€18k▲
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€489k€541k▲
Fixed assets21/28€36k€31k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€36k€31k▼
Land and buildings22€29k€27k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€453k€510k▲
Stocks and contracts in progress3€117k€69k▼
Stocks30/36€117k€69k▼
Amounts receivable within one year40/41€64k€56k▼
Trade receivables40€64k€39k▼
Other amounts receivable41€16€17k▲
Cash at bank and in hand54/58€269k€382k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€489k€541k▲
Equity10/15€298k€367k▲
Contributions10/11€19k€19k=
Reserves13€83k€83k=
Distributable reserves133€83k€83k=
Profit (loss) carried forward14€196k€266k▲
Amounts payable17/49€191k€174k▼
Amounts payable within one year42/48€191k€174k▼
Trade debts44€20k€9k▼
Suppliers440/4€20k€9k▼
Taxes, remuneration and social security45€28k€37k▲
Taxes450/3€26k€35k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€144k€128k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€74k€93k▲
Operating profit (loss)9901€67k€87k▲
Financial income75/76B€5€5▲
Recurring financial income75€5€5▲
Financial charges65/66B€8k€143▼
Recurring financial charges65€8k€143▼
Profit (loss) for the period before taxes9903€59k€87k▲
Income taxes67/77€13k€18k▲
Profit (loss) for the period9904€47k€69k▲
Profit (loss) for the period to be appropriated9905€47k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€196k€266k▲
Profit (loss) brought forward from the previous period14P€150k€196k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €34k ▼27.4%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €217k ▲27.2%
3 profitable years in a row build equity to €217k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Equity above €150kEq €171k ▲68.8%
2 profitable years in a row build equity to €171k.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Jabbeke · 1 establishment unit since 2018
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.
Gistelsteenweg 3758490 JabbekeGround area
602 m²
Building footprint
79 m²
Volume, LiDAR
342 m³
Parcel 31012C0371/00T000, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEVEN PLOVIE
since 20182.277.839.221
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31012C0371/00T000 | Flanders | 602 m² | 1 · 79 m² | 6.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845004FFN7994I75545
Similar companies · same sector, comparable size
AUTO KIT ABELOOS
BE 0442.855.775
Fontaine-l'Evêque · Eq €366k
DJK Mobile
BE 0650.781.908
Lille · Eq €366k
Kojaparts
BE 0849.992.984
Sint-Niklaas · Eq €368k
HENRI'S CLASSICS
BE 0899.703.506
Diksmuide · Eq €368k
A.G.K. SERVICE
BE 0478.758.940
Gent · Eq €368k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,582 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2018
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.