Steven Steps
ActiveSummary
Steven Steps has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €767k and a net result of €122k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 72% of 8095 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability84▲+2
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 4.04 against 2.86 in 2023; short-term debt: 10.5% and cash: 18.6% of total assets), and 23.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
76.6%
Return on assets
12.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 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
not confirmed
2024
26 d late
2023
2 d early
2023
20 d late
2022
2 d late
2021
26 d late
2020
25 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€767k▲ 18.9%
2023 · €645k
2019: €346klowest value
2020: €455k▲ +31.6% vs 2019
2021: €524k▲ +15.1% vs 2020
2022: €586k▲ +11.8% vs 2021
2023: €617k▲ +5.3% vs 2022
2023: €645k
2024: €767k▲ +18.9% vs 2023highest value
2019 → 2024
Total assets
€1.00M▲ 16.7%
2023 · €858k
2019: €584klowest value
2020: €714k▲ +22.1% vs 2019
2021: €738k▲ +3.5% vs 2020
2022: €757k▲ +2.5% vs 2021
2023: €770k▲ +1.7% vs 2022
2023: €858k
2024: €1.00M▲ +16.7% vs 2023highest value
2019 → 2024
Net result
€122k▲ 38.9%
2023 · €88k
2019: €92k
2020: €111k▲ +20.6% vs 2019
2021: €71k▼ -35.5% vs 2020
2022: €62k▼ -13.2% vs 2021lowest value
2023: €75k▲ +21.4% vs 2022
2023: €88k
2024: €122k▲ +38.9% vs 2023highest value
2019 → 2024
Working capital
€319k▲ 36.6%
2023 · €234k
2019: €19klowest value
2020: €118k▲ +510% vs 2019
2021: €176k▲ +49.7% vs 2020
2022: €213k▲ +20.6% vs 2021
2023: €235k▲ +10.6% vs 2022
2023: €234k
2024: €319k▲ +36.6% vs 2023highest value
2019 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320232024Trend
Equity€524k-€586k▲ 11.8%€617k▲ 5.3%€645k▲ 4.5%€767k▲ 18.9%
2021: €524klowest value
2022: €586k▲ +11.8% vs 2021
2023: €617k▲ +5.3% vs 2022
2023: €645k
2024: €767k▲ +18.9% vs 2023highest value
Operating result€98k-€88k▼ 11.0%€105k▲ 19.3%€129k▲ 23.2%€171k▲ 32.6%
2021: €98k
2022: €88k▼ -11.0% vs 2021lowest value
2023: €105k▲ +19.3% vs 2022
2023: €129k
2024: €171k▲ +32.6% vs 2023highest value
Net result€71k-€62k▼ 13.2%€75k▲ 21.4%€88k▲ 16.4%€122k▲ 38.9%
2021: €71k
2022: €62k▼ -13.2% vs 2021lowest value
2023: €75k▲ +21.4% vs 2022
2023: €88k
2024: €122k▲ +38.9% vs 2023highest value
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.00M
Fixed assets
€577k ▲ 15.8%
Current assets
€424k ▲ 17.9%
Equity and liabilities €1.00M
Equity
€767k ▲ 18.9%
Debt
€234k ▲ 10.1%
Debt's share of the balance-sheet total falls from 24.8% to 23.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€205k▲
2023 · €143k
Cash flow
€156k▲
2023 · €102k
Current ratio
4.04▲
2023 · 2.86
Debt to equity
0.31▼
2023 · 0.33
ROE
15.9%▲
2023 · 13.6%
ROA
12.2%▲
2023 · 10.2%
Interest coverage
36.06▼
2023 · 87.68
Debt ≤ 1 year
€105k▼
2023 · €126k
Debt > 1 year
€128k▲
2023 · €85k
Income taxes
€43k▲
2023 · €41k
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 · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€858k€1.00M▲
Fixed assets21/28€498k€577k▲
Tangible fixed assets22/27€367k€446k▲
Land and buildings22€334k€322k▼
Furniture and vehicles24€33k€19k▼
Leasing and similar rights25-€104k
Financial fixed assets28€131k€131k=
Current assets29/58€360k€424k▲
Amounts receivable within one year40/41€288k€235k▼
Trade receivables40€27k€30k▲
Other amounts receivable41€261k€205k▼
Cash at bank and in hand54/58€70k€186k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€858k€1.00M▲
Equity10/15€645k€767k▲
Contributions10/11€12k€12k=
Reserves13€493k€614k▲
Tax-exempt reserves132-€55k
Distributable reserves133€493k€559k▲
Profit (loss) carried forward14€140k€141k▲
Amounts payable17/49€213k€234k▲
Amounts payable after more than one year17€85k€128k▲
Financial debts170/4€85k€128k▲
Amounts payable within one year42/48€126k€105k▼
Current portion of amounts payable after more than one year42€25k€54k▲
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€36k€37k▲
Taxes450/3€36k€37k▲
Other amounts payable47/48€60k€10k▼
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20232024
Non-recurring operating income76A-€14k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€34k▲
Other operating charges640/8€3k€7k▲
Gross operating margin9900€146k€211k▲
Operating profit (loss)9901€129k€171k▲
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€129k€165k▲
Income taxes67/77€41k€43k▲
Profit (loss) for the period9904€88k€122k▲
Transfer to tax-exempt reserves689-€55k
Profit (loss) for the period to be appropriated9905€88k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€227k€207k▼
Profit (loss) brought forward from the previous period14P€139k€140k▲
Transfer from equity791/2€60k-
Transfer to equity691/2€87k€66k▼
To other reserves6921€87k€66k▼
Profit to be distributed694/7€60k-
Return on contributions (dividend)694€60k-
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €14k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14k | €13k | €17k | €14k | €34k | ▲ 137% |
| Other operating charges640/8 | - | €4k | €2k | €3k | €7k | ▲ 118% |
| Gross operating margin9900 | €115k | €105k | €124k | €146k | €211k | ▲ 44.6% |
| Operating profit (loss)9901 | €98k | €88k | €105k | €129k | €171k | ▲ 32.6% |
| Financial income75/76B | - | €3k | €3k | €2k | - | - |
| Recurring financial income75 | €4k | €3k | €3k | €2k | - | - |
| Financial charges65/66B | - | €4k | €2k | €2k | €6k | ▲ 248% |
| Recurring financial charges65 | €3k | €4k | €2k | €2k | €6k | ▲ 248% |
| Profit (loss) for the period before taxes9903 | €100k | €87k | €105k | €129k | €165k | ▲ 27.9% |
| Income taxes67/77 | €28k | €25k | €30k | €41k | €43k | ▲ 4.5% |
| Profit (loss) for the period9904 | €71k | €62k | €75k | €88k | €122k | ▲ 38.9% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €55k | - |
| Profit (loss) for the period to be appropriated9905 | €71k | €62k | €75k | €88k | €67k | ▼ 23.6% |
| Line | 2021 | 2022 | 2023 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €738k | €757k | €770k | €858k | €1.00M | ▲ 16.7% |
| Fixed assets21/28 | €500k | €501k | €493k | €498k | €577k | ▲ 15.8% |
| Tangible fixed assets22/27 | €369k | €371k | €362k | €367k | €446k | ▲ 21.4% |
| Land and buildings22 | - | €356k | €344k | €334k | €322k | ▼ 3.6% |
| Furniture and vehicles24 | - | €15k | €18k | €33k | €19k | ▼ 41.1% |
| Leasing and similar rights25 | - | - | - | - | €104k | - |
| Financial fixed assets28 | €131k | €131k | €131k | €131k | €131k | = |
| Current assets29/58 | €238k | €256k | €277k | €360k | €424k | ▲ 17.9% |
| Amounts receivable within one year40/41 | €222k | €239k | €237k | €288k | €235k | ▼ 18.5% |
| Trade receivables40 | - | €4k | €5k | €27k | €30k | ▲ 8.3% |
| Other amounts receivable41 | - | €235k | €233k | €261k | €205k | ▼ 21.3% |
| Cash at bank and in hand54/58 | €16k | €17k | €40k | €70k | €186k | ▲ 168% |
| Deferred charges and accrued income490/1 | - | - | - | €2k | €3k | ▲ 50.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €738k | €757k | €770k | €858k | €1.00M | ▲ 16.7% |
| Equity10/15 | €524k | €586k | €617k | €645k | €767k | ▲ 18.9% |
| Contributions10/11 | - | €12k | €12k | €12k | €12k | = |
| Reserves13 | €374k | €435k | €466k | €493k | €614k | ▲ 24.5% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Tax-exempt reserves132 | - | - | - | - | €55k | - |
| Distributable reserves133 | - | €433k | €464k | €493k | €559k | ▲ 13.4% |
| Profit (loss) carried forward14 | €138k | €139k | €139k | €140k | €141k | ▲ 0.6% |
| Amounts payable17/49 | €214k | €171k | €153k | €213k | €234k | ▲ 10.1% |
| Amounts payable after more than one year17 | €152k | €128k | €110k | €85k | €128k | ▲ 51.1% |
| Financial debts170/4 | - | €128k | €110k | €85k | €128k | ▲ 51.1% |
| Amounts payable within one year42/48 | €62k | €43k | €42k | €126k | €105k | ▼ 16.7% |
| Current portion of amounts payable after more than one year42 | - | €24k | €18k | €25k | €54k | ▲ 118% |
| Financial debts43 | - | €6k | - | - | - | - |
| Other loans439 | - | €6k | - | - | - | - |
| Trade debts44 | €2k | €6k | €6k | €6k | €4k | ▼ 20.8% |
| Suppliers440/4 | - | €6k | €6k | €6k | €4k | ▼ 20.8% |
| Taxes, remuneration and social security45 | - | €5k | €18k | €36k | €37k | ▲ 2.8% |
| Taxes450/3 | - | €5k | €18k | €36k | €37k | ▲ 2.8% |
| Other amounts payable47/48 | - | €3k | - | €60k | €10k | ▼ 83.3% |
| Accrued charges and deferred income492/3 | - | - | €1k | €2k | €1k | ▼ 45.0% |
| Line | 2021 | 2022 | 2023 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €71k | €62k | €75k | €88k | €122k | ▲ 38.9% |
| + Depreciation and write-downs630 | €14k | €13k | €17k | €14k | €34k | ▲ 137% |
| Operating cash flow (approximation) | €85k | €75k | €92k | €102k | €156k | ▲ 52.8% |
| Investment in fixed assets (approximation) | - | €-15k | €-8k | - | €-113k | - |
| Change in cash | - | €780 | €23k | - | €117k | - |
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
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
31-12
Financial
Highest result since 2019net €122k ▲38.9%
Operating result €171k, net result €122k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
31-03
Financial
Weakest financial yearnet €62k ▼13.2%
Net result drops to €62k, the lowest in the series; recovery starts the following year.
2021
26-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
31-03
Financial
Equity above €500kEq €524k ▲15.1%
3 profitable years in a row build equity to €524k.
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Dilbeek · 1 establishment unit since 2007
Ground area
1,562 m²
Building footprint
149 m²
Volume, LiDAR
883 m³
Parcel 23016B0012/00E000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Elegemstraat 28, 1700 Dilbeek
since 20072.166.578.043
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016B0012/00E000 | Flanders | 1,562 m² | 1 · 149 m² | 9.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900NEXCSK39ALS019
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 30,670 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
Founded19-10-2007
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
81100Combined facilities support activities
Scores and ratios are computed by Checked and are not a credit decision.