STEVENS
ActiveSTEVENS has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €748k and a net result of €53k. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
94
/ 100
Excellent▲ +16 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability35▲+35
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 15.34 against 15.13 in 2023), and 2.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
97.7%
Return on assets
6.9%
Age of the figures
20 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 28-08-2025, 28 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
28 d late
2023
9 d late
2022
21 d late
2021
10 d late
2020
48 d late
2019
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€748k▲ 7.6%
2023 · €695k
2018: €921k
2019: €878k
2020: €819k
2021: €765k
2022: €713k
2023: €695k
2018 → 2024
Total assets
€766k▼ 2.1%
2023 · €782k
2018: €1.22M
2019: €1.18M
2020: €1.11M
2021: €1.06M
2022: €1.01M
2023: €782k
2018 → 2024
Net result
€53k
2023 · €-18k
2018: €285k
2019: €-43k
2020: €-59k
2021: €-54k
2022: €-52k
2023: €-18k
2018 → 2024
Working capital
€255k▲ 4.0%
2023 · €245k
2018: €1.01M
2019: €935k
2020: €301k
2021: €269k
2022: €240k
2023: €245k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€819k-€765k▼ 6.6%€713k▼ 6.8%€695k▼ 2.5%€748k▲ 7.6%
Operating result€-64k-€-58k▲ 10.2%€-55k▲ 4.4%€-22k▲ 60.7%€-16k▲ 24.5%
Net result€-59k-€-54k▲ 8.4%€-52k▲ 4.6%€-18k▲ 64.8%€53k
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 stays negative: a loss of €16k in 2024 against €22k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €766k
Fixed assets
€493k▼ 5.1%
Current assets
€273k▲ 3.9%
Equity and liabilities €766k
Equity
€748k▲ 7.6%
Provisions
€0▼ 100%
Debt
€18k▲ 2.5%
The debt ratio rises from 2.2% to 2.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€10k▲
2023 · €5k
Cash flow
€79k▲
2023 · €8k
Solvency
97.7%▲
2023 · 88.9%
Current ratio
15.34▲
2023 · 15.13
Quick ratio
15.34▲
2023 · 15.13
Debt / equity
0.02▼
2023 · 0.02
ROE
7.1%▲
2023 · -2.6%
ROA
6.9%▲
2023 · -2.3%
Interest coverage
50.74▲
2023 · 23.19
Debt
€18k▲
2023 · €17k
Debt ≤ 1 year
€18k▲
2023 · €17k
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€782k€766k▼
Fixed assets21/28€520k€493k▼
Tangible fixed assets22/27€520k€493k▼
Land and buildings22€520k€493k▼
Current assets29/58€262k€273k▲
Amounts receivable within one year40/41€4k-
Other amounts receivable41€4k-
Cash at bank and in hand54/58€258k€272k▲
Deferred charges and accrued income490/1€898€1k▲
Equity and liabilities
Total equity and liabilities10/49€782k€766k▼
Equity10/15€695k€748k▲
Contributions10/11€19k€19k=
Reserves13€677k€729k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€271k€0▼
Distributable reserves133€404k€728k▲
Provisions and deferred taxes16€69k-
Deferred taxes168€69k-
Amounts payable17/49€17k€18k▲
Amounts payable within one year42/48€17k€18k▲
Trade debts44€53€186▲
Suppliers440/4€53€186▲
Taxes, remuneration and social security45€249-
Taxes450/3€249-
Remuneration and social security454/9€0-
Other amounts payable47/48€17k€18k▲
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€14k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k=
Other operating charges640/8€2k€6k▲
Gross operating margin9900€7k€16k▲
Operating profit (loss)9901€-22k€-16k▲
Financial charges65/66B€207€199▼
Recurring financial charges65€207€199▼
Profit (loss) for the period before taxes9903€-22k€-17k▲
Transfer from deferred taxes780€4k€69k▲
Profit (loss) for the period9904€-18k€53k▲
Transfer from tax-exempt reserves789€14k€271k▲
Profit (loss) for the period to be appropriated9905€-4k€324k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€324k▲
Transfer from equity791/2€4k€17k▲
Transfer to equity691/2-€340k
To other reserves6921-€340k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €53k
Net result €53k after 5 loss-making years.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Liquidity times 7current ratio 15.13
Current ratio from 2.09 to 15.13; short-term debt falls from €220k to €17k.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 10 days late
2021
17-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 48 days late
2020
31-12
Financial
Weakest financial yearnet €-59k
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
04-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 35 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
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, Brakel · 1 establishment unit since 1987
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.
Rekestraat 1099660 BrakelGround area
6,673 m²
Building footprint
463 m²
Volume, LiDAR
3,611 m³
Parcel 45012C0009/00X005, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rekestraat 109, 9660 Brakel
since 19872.031.552.855
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45012C0009/00X005 | Flanders | 6,673 m² | 1 · 463 m² | 13.0 m · 3 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
BXF
BE 0892.096.825
Laarne · Eq €748k
ALPHA CAPITAL
BE 0820.827.460
Brussel · Eq €747k
K.V.T. IMMO
BE 0845.890.775
Nijlen · Eq €747k
Namur invest immo lease
BE 0793.756.146
Namur · Eq €746k
CONSEPT BOUWGROEP
BE 0472.281.518
Hasselt · Eq €751k
Of 7,288 companies in sector 68110 we hold annual accounts for 5,353. 3,425 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-10-1987
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.