Stevens
ActiveStevens has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €5k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 26% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency32▲+18
Growth32=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.5 in 2024), and 75.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2025Solvency, return and age of the figures
Solvency
24.7%
Return on assets
6.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
60 d late
2023
82 d late
2022
91 d late
2021
45 d early
2020
33 d early
2019
39 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 34.4%
2024 · €15k
2018: €21k
2019: €21k
2020: €21k
2021: €20k
2022: €21k
2023: €25k
2024: €15k
2018 → 2025
Total assets
€82k▲ 10.7%
2024 · €74k
2018: €105k
2019: €60k
2020: €61k
2021: €127k
2022: €97k
2023: €91k
2024: €74k
2018 → 2025
Net result
€5k
2024 · €-10k
2018: €19k
2019: €5k
2020: €7k
2021: €35k
2022: €35k
2023: €4k
2024: €-10k
2018 → 2025
Working capital
€-12k▲ 58.8%
2024 · €-30k
2018: €31k
2019: €22k
2020: €27k
2021: €56k
2022: €20k
2023: €-32k
2024: €-30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€21k▲ 0.3%€25k▲ 19.5%€15k▼ 38.9%€20k▲ 34.4%
Operating result€48k-€48k▼ 0.1%€5k▼ 88.8%€-9k€5k
Net result€35k-€35k▲ 0.3%€4k▼ 88.7%€-10k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€32k▼ 27.4%
Current assets
€49k▲ 68.8%
Equity and liabilities €82k
Equity
€20k▲ 34.4%
Debt
€61k▲ 4.6%
The debt ratio falls from 79.7% to 75.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€17k▲
2024 · €3k
Cash flow
€17k▲
2024 · €3k
Solvency
24.7%▲
2024 · 20.3%
Current ratio
0.80▲
2024 · 0.50
Quick ratio
0.80▲
2024 · 0.50
Debt / equity
3.05▼
2024 · 3.92
ROE
25.6%▲
2024 · -63.6%
ROA
6.3%▲
2024 · -12.9%
Interest coverage
170.00▲
2024 · 63.78
Debt
€61k▲
2024 · €59k
Debt ≤ 1 year
€61k▲
2024 · €59k
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€74k€82k▲
Fixed assets21/28€45k€32k▼
Tangible fixed assets22/27€44k€32k▼
Furniture and vehicles24€44k€32k▼
Financial fixed assets28€112€112=
Current assets29/58€29k€49k▲
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€2k€1k▼
Other amounts receivable41€463€2k▲
Current investments50/53€2k€33k▲
Cash at bank and in hand54/58€24k€13k▼
Deferred charges and accrued income490/1€473€814▲
Equity and liabilities
Total equity and liabilities10/49€74k€82k▲
Equity10/15€15k€20k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-5k€-304▲
Amounts payable17/49€59k€61k▲
Amounts payable within one year42/48€59k€61k▲
Trade debts44€204€1k▲
Suppliers440/4€204€1k▲
Other amounts payable47/48€59k€60k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€285€307▲
Gross operating margin9900€3k€18k▲
Operating profit (loss)9901€-9k€5k▲
Financial income75/76B€10€42▲
Recurring financial income75€10€42▲
Financial charges65/66B€44€103▲
Recurring financial charges65€44€103▲
Profit (loss) for the period before taxes9903€-9k€5k▲
Income taxes67/77€53-
Profit (loss) for the period9904€-10k€5k▲
Profit (loss) for the period to be appropriated9905€-10k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-304▲
Profit (loss) brought forward from the previous period14P€4k€-5k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €-10k ▼339%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
21-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 82 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
31-12
Financial
Highest result since 2018net €35k ▲0.3%
Net result €35k, the highest in the series.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Beerse · 1 establishment unit since 2013
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.
Eendenstraat 192340 BeerseGround area
1,361 m²
Building footprint
236 m²
Volume, LiDAR
1,065 m³
Parcel 13004E0001/00Z068, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
STEVENS
since 20132.223.392.131
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004E0001/00Z068 | Flanders | 1,361 m² | 1 · 236 m² | 7.1 m · 1 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
MULDECO
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ToStep
BE 0553.637.495
Beerse · Eq €20k
Artwerk
BE 0505.882.714
Edegem · Eq €20k
VERCRUYSSE - Peinture et Décoration
BE 0888.715.087
Tournai · Eq €20k
VG PROJECTS
BE 1017.176.642
Beveren-Kruibeke-Zwijndrecht · Eq €20k
Of 7,814 companies in sector 43341 we hold annual accounts for 2,639. 2,034 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2013
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.