STEVENS J.
ActiveSTEVENS J. has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €828k and a net result of €76k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 7719 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-1
Solvency74▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.18 in 2024; short-term debt: 13.2% and cash: 12.5% of total assets), and 51.5% 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 · 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
48.5%
Return on assets
4.4%
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
57 d early
2023
57 d early
2022
59 d early
2021
62 d early
2020
47 d early
2019
53 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€828k▲ 10.1%
2024 · €752k
2018: €265k
2019: €344k
2020: €458k
2021: €559k
2022: €670k
2023: €660k
2024: €752k
2018 → 2025
Total assets
€1.71M▼ 5.2%
2024 · €1.80M
2018: €1.01M
2019: €1.08M
2020: €1.25M
2021: €1.33M
2022: €1.34M
2023: €1.46M
2024: €1.80M
2018 → 2025
Net result
€76k▼ 17.7%
2024 · €92k
2018: €41k
2019: €79k
2020: €113k
2021: €171k
2022: €121k
2023: €30k
2024: €92k
2018 → 2025
Working capital
€89k▲ 48.4%
2024 · €60k
2018: €139k
2019: €162k
2020: €249k
2021: €311k
2022: €395k
2023: €289k
2024: €60k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€559k-€670k▲ 19.9%€660k▼ 1.4%€752k▲ 13.9%€828k▲ 10.1%
Operating result€244k-€181k▼ 25.8%€55k▼ 69.7%€133k▲ 142%€128k▼ 3.3%
Net result€171k-€121k▼ 29.2%€30k▼ 74.9%€92k▲ 203%€76k▼ 17.7%
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 falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.71M
Fixed assets
€1.39M▼ 1.6%
Current assets
€314k▼ 18.4%
Equity and liabilities €1.71M
Equity
€828k▲ 10.1%
Debt
€879k▼ 16.1%
The debt ratio falls from 58.2% to 51.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€170k▲
2024 · €144k
Cash flow
€118k▲
2024 · €104k
Solvency
48.5%▲
2024 · 41.8%
Current ratio
1.39▲
2024 · 1.18
Quick ratio
1.04▼
2024 · 1.07
Debt / equity
1.06▼
2024 · 1.39
ROE
9.1%▼
2024 · 12.2%
ROA
4.4%▼
2024 · 5.1%
Interest coverage
7.28▲
2024 · 6.84
Debt
€879k▼
2024 · €1.05M
Debt ≤ 1 year
€225k▼
2024 · €325k
Debt > 1 year
€653k▼
2024 · €722k
Income taxes
€29k▲
2024 · €20k
Staff costs
€238k▲
2024 · €228k
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€1.80M€1.71M▼
Fixed assets21/28€1.42M€1.39M▼
Tangible fixed assets22/27€1.42M€1.39M▼
Land and buildings22€1.23M€1.22M▼
Plant, machinery and equipment23€151k€153k▲
Furniture and vehicles24€32k€25k▼
Assets under construction and advance payments27€3k€0▼
Financial fixed assets28€135€135=
Current assets29/58€384k€314k▼
Stocks and contracts in progress3€38k€79k▲
Stocks30/36€15k€75k▲
Contracts in progress37€23k€4k▼
Amounts receivable within one year40/41€87k€11k▼
Trade receivables40€80k€10k▼
Other amounts receivable41€7k€855▼
Cash at bank and in hand54/58€205k€213k▲
Deferred charges and accrued income490/1€54k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.80M€1.71M▼
Equity10/15€752k€828k▲
Contributions10/11€9k€9k=
Reserves13€744k€819k▲
Distributable reserves133€744k€819k▲
Profit (loss) carried forward14€0-
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€1.05M€879k▼
Amounts payable after more than one year17€722k€653k▼
Financial debts170/4€722k€653k▼
Amounts payable within one year42/48€325k€225k▼
Current portion of amounts payable after more than one year42€70k€69k▼
Trade debts44€103k€8k▼
Suppliers440/4€103k€8k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€78k€85k▲
Taxes450/3€38k€41k▲
Remuneration and social security454/9€39k€44k▲
Other amounts payable47/48€74k€63k▼
Accrued charges and deferred income492/3€586€714▲
Income statement
Code20242025
Remuneration, social security and pensions62€228k€238k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€42k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€7k€4k▼
Gross operating margin9900€379k€412k▲
Operating profit (loss)9901€133k€128k▼
Financial income75/76B-€9
Recurring financial income75-€9
Financial charges65/66B€21k€23k▲
Recurring financial charges65€21k€23k▲
Profit (loss) for the period before taxes9903€112k€105k▼
Income taxes67/77€20k€29k▲
Profit (loss) for the period9904€92k€76k▼
Profit (loss) for the period to be appropriated9905€92k€76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€76k▼
Transfer from equity791/2€0-
Transfer to equity691/2€92k€76k▼
To other reserves6921€92k€76k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90875.05.6▲
The notes to these accounts (19 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €30k ▼74.9%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €171k ▲51.1%
Operating result €244k, net result €171k, both a record.
31-12
Financial
Equity above €500kEq €559k ▲22.1%
4 profitable years in a row build equity to €559k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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 · 2 establishment units since 1984
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.
Krikskensstraat 242340 BeerseGround area
1.5 ha
Building footprint
258 m²
Volume, LiDAR
1,224 m³
2 parcels, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Krikskensstraat 24, 2340 Beerse
since 19842.023.843.137
Steenbakkersdam 19, 2340 Beerse
since 20252.370.160.158
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004B0330/00D000 | Flanders | 9,787 m² | 1 · 58 m² | 5.2 m |
| 13004B0408/00Z000 | Flanders | 5,571 m² | 1 · 200 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 6 entries · 3,839 EUR awarded · 3,481 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 2 | 779 EUR | 256 EUR |
| 2023 | 2 | 712 EUR | 877 EUR |
| 2022 | 2 | 2,348 EUR | 2,348 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,096 companies in sector 43240 we hold annual accounts for 1,631. 783 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-1983
Fiscal year end31-12
Activities, NACEBEL
20160Manufacture of chemicals and chemical products
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.