STEVENS
ActiveSummary
STEVENS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €675k and a net result of €49k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 1048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-2
Solvency50▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.61 in 2024; short-term debt: 50.9% and cash: 1.1% of total assets), and 75.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
24.9%
Return on assets
1.8%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 24-04-2026, 98 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
98 d early
2024
17 d early
2023
64 d early
2022
39 d early
2021
41 d early
2020
38 d early
2019
65 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€2.37M
EBIT margin
3.1%
Net result
€49k▼ 47.0%
2024 · €92k
2018: €69k
2019: €144k▲ +110% vs 2018highest in 8 years
2020: €49k▼ -65.9% vs 2019
2021: €42k▼ -14.1% vs 2020
2022: €109k▲ +159% vs 2021
2023: €25k▼ -77.4% vs 2022lowest in 8 years
2024: €92k▲ +271% vs 2023
2025: €49k▼ -47.0% vs 2024
2018 → 2025
Working capital
€-406k▲ 26.2%
2024 · €-550k
2018: €-246khighest in 8 years
2019: €-250k▼ -1.6% vs 2018
2020: €-256k▼ -2.6% vs 2019
2021: €-346k▼ -35.0% vs 2020
2022: €-343k▲ +0.8% vs 2021
2023: €-583k▼ -69.9% vs 2022lowest in 8 years
2024: €-550k▲ +5.6% vs 2023
2025: €-406k▲ +26.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€408k-€509k▲ 24.7%€534k▲ 4.9%€626k▲ 17.2%€675k▲ 7.8%
2021: €408klowest in 5 years
2022: €509k▲ +24.7% vs 2021
2023: €534k▲ +4.9% vs 2022
2024: €626k▲ +17.2% vs 2023
2025: €675k▲ +7.8% vs 2024highest in 5 years
Operating result€63k-€176k▲ 178%€93k▼ 47.1%€163k▲ 75.0%€116k▼ 29.0%
2021: €63klowest in 5 years
2022: €176k▲ +178% vs 2021highest in 5 years
2023: €93k▼ -47.1% vs 2022
2024: €163k▲ +75.0% vs 2023
2025: €116k▼ -29.0% vs 2024
Net result€42k-€109k▲ 159%€25k▼ 77.4%€92k▲ 271%€49k▼ 47.0%
2021: €42k
2022: €109k▲ +159% vs 2021highest in 5 years
2023: €25k▼ -77.4% vs 2022lowest in 5 years
2024: €92k▲ +271% vs 2023
2025: €49k▼ -47.0% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
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 €2.71M
Fixed assets
€1.74M ▼ 1.7%
Current assets
€971k ▲ 13.0%
Equity and liabilities €2.71M
Equity
€675k ▲ 7.8%
Debt
€2.03M ▲ 1.6%
Debt's share of the balance-sheet total falls from 76.2% to 75.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€375k▼
2024 · €390k
Cash flow
€308k▼
2024 · €319k
Current ratio
0.70▲
2024 · 0.61
Quick ratio
0.29▲
2024 · 0.25
Debt to equity
3.01▼
2024 · 3.20
ROE
7.2%▼
2024 · 14.7%
ROA
1.8%▼
2024 · 3.5%
Interest coverage
9.11▲
2024 · 8.13
Debt ≤ 1 year
€1.38M▼
2024 · €1.41M
Debt > 1 year
€654k▲
2024 · €589k
Income taxes
€28k▼
2024 · €38k
Staff costs
€387k▲
2024 · €359k
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 · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.63M€2.71M▲
Fixed assets21/28€1.77M€1.74M▼
Tangible fixed assets22/27€1.76M€1.73M▼
Land and buildings22€1.20M€1.14M▼
Plant, machinery and equipment23€277k€248k▼
Furniture and vehicles24€290k€350k▲
Financial fixed assets28€3k€3k=
Current assets29/58€859k€971k▲
Stocks and contracts in progress3€507k€570k▲
Stocks30/36€507k€570k▲
Amounts receivable within one year40/41€319k€348k▲
Trade receivables40€311k€345k▲
Other amounts receivable41€8k€3k▼
Cash at bank and in hand54/58€5k€30k▲
Deferred charges and accrued income490/1€29k€23k▼
Equity and liabilities
Total equity and liabilities10/49€2.63M€2.71M▲
Equity10/15€626k€675k▲
Contributions10/11€100k€100k=
Reserves13€526k€575k▲
Non-distributable reserves130/1€10k-
Reserves not available under the articles1311€10k-
Distributable reserves133€516k€575k▲
Amounts payable17/49€2.00M€2.03M▲
Amounts payable after more than one year17€589k€654k▲
Financial debts170/4€589k€654k▲
Amounts payable within one year42/48€1.41M€1.38M▼
Current portion of amounts payable after more than one year42€172k€176k▲
Financial debts43€200k€200k=
Credit institutions430/8€200k€200k=
Trade debts44€547k€596k▲
Suppliers440/4€547k€596k▲
Taxes, remuneration and social security45€185k€149k▼
Taxes450/3€180k€144k▼
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€305k€257k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A-€0
Remuneration, social security and pensions62€359k€387k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€228k€260k▲
Other operating charges640/8€18k€25k▲
Gross operating margin9900€767k€788k▲
Operating profit (loss)9901€163k€116k▼
Financial income75/76B€16k€3k▼
Recurring financial income75€15k€3k▼
Non-recurring financial income76B€91-
Financial charges65/66B€48k€41k▼
Recurring financial charges65€48k€41k▼
Non-recurring financial charges66B-€165
Profit (loss) for the period before taxes9903€130k€77k▼
Income taxes67/77€38k€28k▼
Profit (loss) for the period9904€92k€49k▼
Profit (loss) for the period to be appropriated9905€92k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€49k▼
Transfer to equity691/2€92k€49k▼
To other reserves6921€92k€49k▼
Social balance
Average headcount (FTE)90876.35.7▼
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €0 | - |
| Remuneration, social security and pensions62 | €218k | €267k | €340k | €359k | €387k | ▲ 7.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €188k | €213k | €211k | €228k | €260k | ▲ 14.2% |
| Other operating charges640/8 | €12k | €15k | €27k | €18k | €25k | ▲ 44.3% |
| Gross operating margin9900 | €482k | €670k | €670k | €767k | €788k | ▲ 2.7% |
| Operating profit (loss)9901 | €63k | €176k | €93k | €163k | €116k | ▼ 29.0% |
| Financial income75/76B | €9k | €4k | €5k | €16k | €3k | ▼ 80.3% |
| Recurring financial income75 | €9k | €4k | €5k | €15k | €3k | ▼ 80.2% |
| Non-recurring financial income76B | - | - | - | €91 | - | - |
| Financial charges65/66B | €25k | €30k | €32k | €48k | €41k | ▼ 13.8% |
| Recurring financial charges65 | €25k | €30k | €32k | €48k | €41k | ▼ 14.2% |
| Non-recurring financial charges66B | - | - | - | - | €165 | - |
| Profit (loss) for the period before taxes9903 | €48k | €149k | €66k | €130k | €77k | ▼ 40.7% |
| Income taxes67/77 | €5k | €39k | €41k | €38k | €28k | ▼ 25.4% |
| Profit (loss) for the period9904 | €42k | €109k | €25k | €92k | €49k | ▼ 47.0% |
| Profit (loss) for the period to be appropriated9905 | €42k | €109k | €25k | €92k | €49k | ▼ 47.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.84M | €2.92M | €2.96M | €2.63M | €2.71M | ▲ 3.1% |
| Fixed assets21/28 | €1.85M | €1.77M | €1.74M | €1.77M | €1.74M | ▼ 1.7% |
| Intangible fixed assets21 | €3k | €1k | - | - | - | - |
| Tangible fixed assets22/27 | €1.83M | €1.77M | €1.73M | €1.76M | €1.73M | ▼ 1.7% |
| Land and buildings22 | €1.38M | €1.35M | €1.27M | €1.20M | €1.14M | ▼ 5.2% |
| Plant, machinery and equipment23 | €296k | €276k | €256k | €277k | €248k | ▼ 10.6% |
| Furniture and vehicles24 | €156k | €137k | €204k | €290k | €350k | ▲ 20.9% |
| Financial fixed assets28 | €8k | €3k | €3k | €3k | €3k | = |
| Current assets29/58 | €992k | €1.15M | €1.22M | €859k | €971k | ▲ 13.0% |
| Stocks and contracts in progress3 | €554k | €503k | €512k | €507k | €570k | ▲ 12.5% |
| Stocks30/36 | €554k | €503k | €512k | €507k | €570k | ▲ 12.5% |
| Amounts receivable within one year40/41 | €407k | €540k | €651k | €319k | €348k | ▲ 9.2% |
| Trade receivables40 | €334k | €399k | €331k | €311k | €345k | ▲ 11.1% |
| Other amounts receivable41 | €74k | €141k | €320k | €8k | €3k | ▼ 62.8% |
| Cash at bank and in hand54/58 | €24k | €92k | €36k | €5k | €30k | ▲ 525% |
| Deferred charges and accrued income490/1 | €7k | €17k | €19k | €29k | €23k | ▼ 20.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.84M | €2.92M | €2.96M | €2.63M | €2.71M | ▲ 3.1% |
| Equity10/15 | €408k | €509k | €534k | €626k | €675k | ▲ 7.8% |
| Contributions10/11 | €100k | €100k | €100k | €100k | €100k | = |
| Outside capital11 | €100k | - | - | - | - | - |
| Share premium1100/10 | €100k | - | - | - | - | - |
| Reserves13 | €308k | €409k | €434k | €526k | €575k | ▲ 9.3% |
| Non-distributable reserves130/1 | €10k | €10k | - | €10k | - | - |
| Legal reserve130 | €10k | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €10k | - | €10k | - | - |
| Distributable reserves133 | €298k | €399k | €434k | €516k | €575k | ▲ 11.4% |
| Amounts payable17/49 | €2.43M | €2.41M | €2.42M | €2.00M | €2.03M | ▲ 1.6% |
| Amounts payable after more than one year17 | €1.09M | €916k | €618k | €589k | €654k | ▲ 11.0% |
| Financial debts170/4 | €789k | €716k | €618k | €589k | €654k | ▲ 11.0% |
| Other amounts payable178/9 | €300k | €199k | - | - | - | - |
| Amounts payable within one year42/48 | €1.34M | €1.50M | €1.80M | €1.41M | €1.38M | ▼ 2.3% |
| Current portion of amounts payable after more than one year42 | €163k | €166k | €202k | €172k | €176k | ▲ 2.2% |
| Financial debts43 | €200k | €200k | €200k | €200k | €200k | = |
| Credit institutions430/8 | €200k | €200k | €200k | €200k | €200k | = |
| Trade debts44 | €857k | €935k | €1.19M | €547k | €596k | ▲ 9.0% |
| Suppliers440/4 | €857k | €935k | €1.19M | €547k | €596k | ▲ 9.0% |
| Taxes, remuneration and social security45 | €118k | €195k | €149k | €185k | €149k | ▼ 19.6% |
| Taxes450/3 | €72k | €175k | €135k | €180k | €144k | ▼ 20.1% |
| Remuneration and social security454/9 | €46k | €19k | €13k | €6k | €5k | ▼ 4.1% |
| Other amounts payable47/48 | - | - | €65k | €305k | €257k | ▼ 15.9% |
| Accrued charges and deferred income492/3 | €2k | €2k | €2k | €2k | €2k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €42k | €109k | €25k | €92k | €49k | ▼ 47.0% |
| + Depreciation and write-downs630 | €188k | €213k | €211k | €228k | €260k | ▲ 14.2% |
| Operating cash flow (approximation) | €230k | €323k | €236k | €319k | €308k | ▼ 3.4% |
| Investment in fixed assets (approximation) | - | €-137k | €-179k | €-258k | €-229k | ▲ 11.1% |
| Change in cash | - | €68k | €-56k | €-31k | €25k | ▲ 181% |
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
Next filing, fiscal year 2026, expected by
2026
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €25k ▼77.4%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €509k ▲24.7%
5 profitable years in a row build equity to €509k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €144k ▲110%
Net result €144k, the highest in the series.
31-12
Financial
Equity above €200kEq €317k ▲83.6%
2 profitable years in a row build equity to €317k.
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Wingene · 1 establishment unit since 2016
Ground area
3,017 m²
Building footprint
1,474 m²
Parcel 37019B1097/00A000, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
STEVENS BVBA
since 20162.250.657.643
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37019B1097/00A000 | Flanders | 3,017 m² | 1 · 1,474 m² | - |
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.
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Of 1,000 companies in sector 95315 we hold annual accounts for 427. 237 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
Founded01-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
95315Tyre services
47820Retail sale of motor vehicle parts and accessories
68201Renting and operating of own or leased residential real estate, excluding social housing
Scores and ratios are computed by Checked and are not a credit decision.