STEVENS MEUBEL
ActiveSTEVENS MEUBEL has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €228k and a net result of €81k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 57% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+1
Solvency67▲+15
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 1.36 in 2024; short-term debt: 57.5% and cash: 6.4% of total assets), but 57.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
42.5%
Return on assets
15.1%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €228k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
7 d early
2023
30 d late
2022
19 d early
2021
4 d early
2020
16 d early
2019
27 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€81k▲ 1.2%
2024 · €80k
2018: €63k
2019: €68k
2020: €73k
2021: €64k
2022: €57k
2023: €74k
2024: €80k
2018 → 2025
Working capital
€228k▲ 55.0%
2024 · €147k
2018: €176k
2019: €244k
2020: €118k
2021: €182k
2022: €113k
2023: €117k
2024: €147k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€182k-€113k▼ 37.6%€117k▲ 3.5%€147k▲ 25.6%€228k▲ 55.0%
Operating result€92k-€79k▼ 13.9%€101k▲ 27.9%€104k▲ 3.3%€106k▲ 1.6%
Net result€64k-€57k▼ 11.2%€74k▲ 30.2%€80k▲ 8.2%€81k▲ 1.2%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €537k
Equity
€228k▲ 55.0%
Debt
€309k▼ 24.1%
The debt ratio falls from 73.4% to 57.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
42.5%▲
2024 · 26.6%
Current ratio
1.74▲
2024 · 1.36
Quick ratio
1.74▲
2024 · 1.36
Debt / equity
1.35▼
2024 · 2.77
ROE
35.5%▼
2024 · 54.3%
ROA
15.1%▲
2024 · 14.4%
Debt
€309k▼
2024 · €407k
Debt ≤ 1 year
€309k▼
2024 · €407k
Income taxes
€29k▲
2024 · €29k
Staff costs
€1.61M▼
2024 · €1.63M
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€554k€537k▼
Current assets29/58€554k€537k▼
Amounts receivable within one year40/41€286k€501k▲
Trade receivables40€157k€422k▲
Other amounts receivable41€128k€79k▼
Cash at bank and in hand54/58€267k€34k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€554k€537k▼
Equity10/15€147k€228k▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€47k€128k▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€37k€118k▲
Amounts payable17/49€407k€309k▼
Amounts payable within one year42/48€407k€309k▼
Trade debts44€19k€23k▲
Suppliers440/4€19k€23k▲
Taxes, remuneration and social security45€338k€286k▼
Taxes450/3€49k€47k▼
Remuneration and social security454/9€289k€239k▼
Other amounts payable47/48€50k-
Income statement
Code20242025
Remuneration, social security and pensions62€1.63M€1.61M▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€1.74M€1.72M▼
Operating profit (loss)9901€104k€106k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€30-
Recurring financial charges65€30-
Profit (loss) for the period before taxes9903€109k€110k▲
Income taxes67/77€29k€29k▲
Profit (loss) for the period9904€80k€81k▲
Profit (loss) for the period to be appropriated9905€80k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€81k▲
Transfer to equity691/2€30k€81k▲
To other reserves6921€30k€81k▲
Profit to be distributed694/7€50k-
Return on contributions (dividend)694€50k-
Social balance
Average headcount (FTE)908725.424.9▼
The notes to these accounts (2 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €81k ▲1.2%
Operating result €106k, net result €81k, both a record.
31-12
Financial
Equity above €200kEq €228k ▲55%
8 profitable years in a row build equity to €228k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €57k ▼11.2%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €150kEq €182k ▲54.4%
4 profitable years in a row build equity to €182k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
31-12
Financial
Equity above €200kEq €245k ▲38.2%
2 profitable years in a row build equity to €245k.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
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
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, Beernem · 2 establishment units since 2011
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.
Knesselarestraat 828730 BeernemGround area
1.4 ha
Building footprint
6,212 m²
Volume, LiDAR
35,968 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
STEVENS MEUBEL
since 20112.204.770.507
STEVENS MEUBEL
since 20112.204.770.903
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31021E0499/00T000 | Flanders | 1.1 ha | 1 · 5,694 m² | 10.4 m · 2 fl. |
| 44029B0369/00N000 | Flanders | 2,567 m² | 1 · 519 m² | 6.5 m · 1 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.
Similar companies · same sector, comparable size
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BE 0445.713.713
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MFT GASPAR
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Riga De Wolf - Matthys
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KEUKENINTERIEUR CASCAN
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Of 2,612 companies in sector 47551 we hold annual accounts for 1,719. 1,328 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-11-2011
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
47512Retail sale of household textiles and bedding
47552Retail sale of lighting equipment
47553Retail trade
47592Retail trade
47593Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.