STEVEN VAN GANSBEKE
ActiveThe computed 12-month bankruptcy probability of STEVEN VAN GANSBEKE is 4.3% (elevated). The 2025 annual accounts show equity of €43k and a net result of €11k. Equity is growing by ~43.8% per year across the filed fiscal years. Its solvency ranks better than 80% of 7778 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency96▼-1
Growth78=
Track record94
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity ample (current ratio 2.88 against 1.29 in 2024; short-term debt: 29.2% and cash: 34.2% of total assets), and 29.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
70.8%
Return on assets
18.2%
Age of the figures
9 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
24 d early
2024
43 d early
2023
13 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11k▼ 34.3%
2024 · €17k
2023: €10k
2024: €17k
2023 → 2025
Working capital
€33k▲ 813%
2024 · €4k
2023: €-17k
2024: €4k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€15k-€32k▲ 112%€43k▲ 34.7%
Operating result€13k-€21k▲ 57.8%€15k▼ 29.2%
Net result€10k-€17k▲ 67.3%€11k▼ 34.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€10k▼ 65.7%
Current assets
€51k▲ 215%
Equity and liabilities €61k
Equity
€43k▲ 34.7%
Debt
€18k▲ 41.5%
The debt ratio rises from 28.2% to 29.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▼
2024 · €32k
Cash flow
€17k▼
2024 · €28k
Solvency
70.8%▼
2024 · 71.8%
Current ratio
2.88▲
2024 · 1.29
Quick ratio
2.88▲
2024 · 1.29
Debt / equity
0.41▲
2024 · 0.39
ROE
25.8%▼
2024 · 52.8%
ROA
18.2%▼
2024 · 37.9%
Interest coverage
110.89▲
2024 · 63.84
Debt
€18k▲
2024 · €13k
Debt ≤ 1 year
€18k▲
2024 · €13k
Income taxes
€4k▼
2024 · €6k
Staff costs
€2k▼
2024 · €11k
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€45k€61k▲
Fixed assets21/28€28k€10k▼
Tangible fixed assets22/27€28k€10k▼
Furniture and vehicles24€28k€10k▼
Current assets29/58€16k€51k▲
Amounts receivable within one year40/41€13k€30k▲
Trade receivables40€7k€18k▲
Other amounts receivable41€5k€12k▲
Cash at bank and in hand54/58€4k€21k▲
Equity and liabilities
Total equity and liabilities10/49€45k€61k▲
Equity10/15€32k€43k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€27k€38k▲
Amounts payable17/49€13k€18k▲
Amounts payable within one year42/48€13k€18k▲
Trade debts44€7k€17k▲
Suppliers440/4€7k€17k▲
Taxes, remuneration and social security45€912€1k▲
Taxes450/3€912€1k▲
Other amounts payable47/48€5k-
Income statement
Code20242025
Remuneration, social security and pensions62€11k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€6k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€44k€29k▼
Operating profit (loss)9901€21k€15k▼
Financial income75/76B€2k€737▼
Recurring financial income75€2k€737▼
Financial charges65/66B€494€184▼
Recurring financial charges65€494€184▼
Profit (loss) for the period before taxes9903€23k€15k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€17k€11k▼
Profit (loss) for the period to be appropriated9905€17k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€38k▲
Profit (loss) brought forward from the previous period14P€10k€27k▲
Social balance
Average headcount (FTE)90870.70.3▼
The notes to these accounts (8 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.88
Current ratio from 1.29 to 2.88.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2023net €17k ▲67.3%
Operating result €21k, net result €17k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Elsene · 1 establishment unit since 2023
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.
Jaargetijdenlaan 901050 ElseneGround area
1,700 m²
Building footprint
855 m²
Volume, LiDAR
6,442 m³
Parcel 21445C0275/00N007, Brussels · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEVEN VAN GANSBEKE
since 20232.350.255.362
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0275/00N007 | Brussels | 1,700 m² | 1 · 855 m² | 11.4 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
GRAVITY CLIMBING
BE 0765.408.786
Liège · Eq €43k
STAESSENS SERVICE
BE 0746.706.889
Antwerpen · Eq €43k
EY Tech
BE 0804.550.266
Beringen · Eq €43k
SANILUX VAN HYFTE
BE 0450.504.622
Maldegem · Eq €43k
SIMON CALLENS
BE 0694.894.637
Tielt · Eq €43k
Of 7,042 companies in sector 43221 we hold annual accounts for 3,471. 2,924 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2023
Fiscal year end31-12
Abbreviation FR
SVG
Activities, NACEBEL
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.