Stevens Eric
ActiveSummary
The computed 12-month bankruptcy probability of Stevens Eric is 1.7% (moderate). The 2025 annual accounts show equity of €60,084 and a net result of €4,330. Equity is shrinking by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 44% of 485 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability62▼-17
Solvency51=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity short (current ratio 0.35 against 0.67 in 2024; short-term debt: 38.8% and cash: 2.5% of total assets), and 74% of the assets are financed with debt.
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Signals
Four 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 53
Relative position
BE, all sectors
reference
Postal and courier activities (NACE 53)
about 277% more 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 2025Solvency, return and age of the figures
Solvency
26%
Return on assets
1.9%
Age of the figures
9 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 27-08-2026, 27 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
27 d late
2024
55 d early
2023
29 d late
2022
29 d late
2021
30 d late
2020
7 d early
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 12 days after the deadline, and 56% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€60,084▲ 7.8%
2024 · €55,754
Total assets
€230,752▲ 6.0%
2024 · €217,636
Net result
€4,330▼ 76.6%
2024 · €18,529
Working capital
-€57,943▼ 80.5%
2024 · -€32,094
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 53, Postal and courier activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€32,365-€5,257▲ 83.8%€21,529€25,826▲ 20.0%€10,343▼ 59.9%
Net result-€25,107below the sector's middle half-€12,051below the sector's middle half▲ 52.0%€10,642within the sector's middle half€18,529within the sector's middle half▲ 74.1%€4,330within the sector's middle half▼ 76.6%
Equity€77,531above the sector's middle half▼ 24.5%€65,480within the sector's middle half▼ 15.5%€76,122above the sector's middle half▲ 16.3%€55,754within the sector's middle half▼ 26.8%€60,084within the sector's middle half▲ 7.8%
Total assets€368,723above the sector's middle half▲ 9.8%€299,599above the sector's middle half▼ 18.7%€287,468above the sector's middle half▼ 4.0%€217,636within the sector's middle half▼ 24.3%€230,752within the sector's middle half▲ 6.0%
Debt€291,192▲ 24.8%€234,119▼ 19.6%€211,346▼ 9.7%€161,882▼ 23.4%€170,669▲ 5.4%
Working capital-€28,346-€22,367▲ 21.1%-€18,710▲ 16.3%-€32,094▼ 71.5%-€57,943▼ 80.5%
Solvency21.0%within the sector's middle half▼ 9.5pp21.9%within the sector's middle half▲ 0.8pp26.5%within the sector's middle half▲ 4.6pp25.6%within the sector's middle half▼ 0.9pp26.0%within the sector's middle half▲ 0.4pp
Staff (FTE)2▲ 5.3%1.10.5▼ 54.5%
above
within
below
the middle half (P25 to P75) of NACE 53, Postal and courier activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 60% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230,752
Fixed assets
€199,205 ▲ 31.4%
Current assets
€31,547 ▼ 52.3%
Equity and liabilities €230,752
Equity
€60,084 ▲ 7.8%
Debt
€170,669 ▲ 5.4%
Debt's share of the balance-sheet total falls from 74.4% to 74.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27,202▼
2024 · €42,778
Cash flow
€21,189▼
2024 · €35,481
Current ratio
0.35▼
2024 · 0.67
Debt to equity
2.84▼
2024 · 2.90
ROE
7.2%▼
2024 · 33.2%
ROA
1.9%▼
2024 · 8.5%
Interest coverage
4.87▼
2024 · 7.18
Debt ≤ 1 year
€89,490▼
2024 · €98,166
Debt > 1 year
€81,179▲
2024 · €63,717
Income taxes
€433▼
2024 · €1,336
Staff costs
€937▼
2024 · €1,585
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,500 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 97% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.2%
went bankrupt
1.6%
stopped otherwise
97%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,500 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1,000 | €12,962 | - | - | - | - |
| Remuneration, social security and pensions62 | €37,319 | €28,109 | €15,680 | €1,585 | €937 | ▼ 40.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38,200 | €27,738 | €26,093 | €16,952 | €16,859 | ▼ 0.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €1,021 | - |
| Other operating charges640/8 | €7,307 | €10,614 | - | €8,758 | €2,062 | ▼ 76.5% |
| Non-recurring operating charges66A | - | - | - | €1,695 | - | - |
| Gross operating margin9900 | €50,461 | €61,205 | €63,302 | €54,816 | €31,222 | ▼ 43.0% |
| Operating profit (loss)9901 | -€32,365 | -€5,257 | €21,529 | €25,826 | €10,343 | ▼ 59.9% |
| Financial income75/76B | €17,250 | €79 | €1 | €0 | €0 | ▼ 94.1% |
| Recurring financial income75 | €3 | €79 | €1 | €0 | €0 | ▼ 94.1% |
| Non-recurring financial income76B | €17,247 | - | - | - | - | - |
| Financial charges65/66B | €9,991 | €6,873 | €10,888 | €5,962 | €5,581 | ▼ 6.4% |
| Recurring financial charges65 | €9,991 | €6,873 | €10,888 | €5,962 | €5,581 | ▼ 6.4% |
| Profit (loss) for the period before taxes9903 | -€25,107 | -€12,051 | €10,642 | €19,865 | €4,763 | ▼ 76.0% |
| Income taxes67/77 | - | - | - | €1,336 | €433 | ▼ 67.6% |
| Profit (loss) for the period9904 | -€25,107 | -€12,051 | €10,642 | €18,529 | €4,330 | ▼ 76.6% |
| Profit (loss) for the period to be appropriated9905 | -€25,107 | -€12,051 | €10,642 | €18,529 | €4,330 | ▼ 76.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €368,723 | €299,599 | €287,468 | €217,636 | €230,752 | ▲ 6.0% |
| Fixed assets21/28 | €233,281 | €190,545 | €172,910 | €151,564 | €199,205 | ▲ 31.4% |
| Tangible fixed assets22/27 | €233,141 | €190,405 | €172,770 | €151,424 | €199,065 | ▲ 31.5% |
| Land and buildings22 | €171,548 | €163,016 | €158,684 | €149,552 | €156,372 | ▲ 4.6% |
| Furniture and vehicles24 | €31,082 | €17,251 | €9,323 | €1,872 | €42,693 | ▲ 2,181% |
| Leasing and similar rights25 | €30,510 | €10,138 | €4,763 | - | - | - |
| Financial fixed assets28 | €140 | €140 | €140 | €140 | €140 | = |
| Current assets29/58 | €135,442 | €109,054 | €114,558 | €66,072 | €31,547 | ▼ 52.3% |
| Amounts receivable within one year40/41 | €124,123 | €108,202 | €109,750 | €51,523 | €25,217 | ▼ 51.1% |
| Trade receivables40 | €116,146 | €99,522 | €100,572 | €36,064 | €17,931 | ▼ 50.3% |
| Other amounts receivable41 | €7,977 | €8,681 | €9,178 | €15,459 | €7,286 | ▼ 52.9% |
| Cash at bank and in hand54/58 | €9,590 | - | €4,322 | €14,043 | €5,790 | ▼ 58.8% |
| Deferred charges and accrued income490/1 | €1,729 | €852 | €486 | €506 | €540 | ▲ 6.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €368,723 | €299,599 | €287,468 | €217,636 | €230,752 | ▲ 6.0% |
| Equity10/15 | €77,531 | €65,480 | €76,122 | €55,754 | €60,084 | ▲ 7.8% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €68,893 | €68,893 | €68,893 | €43,354 | €47,684 | ▲ 10.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | €67,033 | €67,033 | €67,033 | €43,354 | €47,684 | ▲ 10.0% |
| Profit (loss) carried forward14 | -€3,762 | -€15,813 | -€5,171 | - | - | - |
| Amounts payable17/49 | €291,192 | €234,119 | €211,346 | €161,882 | €170,669 | ▲ 5.4% |
| Amounts payable after more than one year17 | €127,404 | €102,698 | €78,078 | €63,717 | €81,179 | ▲ 27.4% |
| Financial debts170/4 | €127,404 | €102,698 | €78,078 | €63,717 | €81,179 | ▲ 27.4% |
| Amounts payable within one year42/48 | €163,788 | €131,421 | €133,268 | €98,166 | €89,490 | ▼ 8.8% |
| Current portion of amounts payable after more than one year42 | €24,307 | €24,706 | €24,620 | €16,921 | €20,202 | ▲ 19.4% |
| Financial debts43 | €25,000 | €22,349 | €16,500 | €6,500 | €25,000 | ▲ 285% |
| Credit institutions430/8 | €25,000 | €21,000 | €16,500 | €6,500 | €25,000 | ▲ 285% |
| Other loans439 | - | €1,349 | - | - | - | - |
| Trade debts44 | €19,710 | €18,400 | €40,426 | €10,554 | €5,770 | ▼ 45.3% |
| Suppliers440/4 | €19,710 | €18,400 | €40,426 | €10,554 | €5,770 | ▼ 45.3% |
| Taxes, remuneration and social security45 | €16,128 | €6,942 | €7,363 | €9,516 | €3,882 | ▼ 59.2% |
| Taxes450/3 | €7,274 | €4,631 | €5,688 | €9,456 | €3,882 | ▼ 58.9% |
| Remuneration and social security454/9 | €8,854 | €2,311 | €1,675 | €60 | - | - |
| Other amounts payable47/48 | €78,643 | €59,025 | €44,360 | €54,674 | €34,636 | ▼ 36.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€25,107 | -€12,051 | €10,642 | €18,529 | €4,330 | ▼ 76.6% |
| + Depreciation and write-downs630 | €38,200 | €27,738 | €26,093 | €16,952 | €16,859 | ▼ 0.5% |
| Operating cash flow (approximation) | €13,094 | €15,688 | €36,735 | €35,481 | €21,189 | ▼ 40.3% |
| Investment in fixed assets (approximation) | - | €14,997 | -€8,458 | €4,394 | -€64,500 | ▼ 1,568% |
| Change in cash | - | - | - | €9,721 | -€8,253 | ▼ 185% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €10,642
Net result €10,642 after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet -€25,107
Net result drops to -€25,107, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €102,638 ▲2.9%
3 profitable years in a row build equity to €102,638.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
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, Ninove · 1 establishment unit since 2011
Ground area
242 m²
Building footprint
163 m²
Volume, LiDAR
605 m³
Parcel 41012B0557/00R002, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Stevens Eric
since 20112.199.717.005
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41012B0557/00R002 | Flanders | 242 m² | 1 · 163 m² | 6.1 m · 1 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
Food safety, FASFC
1 siteNinove2.199.717.005
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Of 4,920 companies in sector 53200 we hold annual accounts for 1,323. 1,094 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
Founded03-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
53200Other postal and courier activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0836731205
Also
9925:BE0836731205
Registered
31-08-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.