STEVENS & PARTNERS
ActiveSTEVENS & PARTNERS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €87k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 23% of 3259 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency25▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.16 in 2024), and 86.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
13.6%
Return on assets
41.5%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 3259 sector peers (2025).
NBB · sector comparisonPosition among 3259 sector peers
Solvency
better than 23%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €28k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
4 d early
2023
5 d early
2022
29 d early
2021
3 d early
2020
5 d early
2019
9 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€28k▲ 7.9%
2024 · €26k
2019: €25k
2020: €25k
2021: €24k
2022: €24k
2023: €24k
2024: €26k
2019 → 2025
Total assets
€210k▼ 15.8%
2024 · €249k
2019: €191k
2020: €243k
2021: €189k
2022: €218k
2023: €234k
2024: €249k
2019 → 2025
Net result
€87k▼ 33.5%
2024 · €131k
2019: €57k
2020: €60k
2021: €34k
2022: €81k
2023: €116k
2024: €131k
2019 → 2025
Working capital
€39k▲ 18.1%
2024 · €33k
2019: €29k
2020: €6k
2021: €11k
2022: €22k
2023: €27k
2024: €33k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€24k▼ 0.4%€24k▲ 0.8%€26k▲ 8.2%€28k▲ 7.9%
Operating result€49k-€113k▲ 132%€158k▲ 40.1%€178k▲ 12.6%€118k▼ 33.7%
Net result€34k-€81k▲ 141%€116k▲ 43.6%€131k▲ 12.7%€87k▼ 33.5%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€3k▼ 58.8%
Current assets
€207k▼ 14.7%
Equity and liabilities €210k
Equity
€28k▲ 7.9%
Debt
€181k▼ 18.6%
The debt ratio falls from 89.4% to 86.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€122k▼
2024 · €182k
Cash flow
€91k▼
2024 · €135k
Solvency
13.6%▲
2024 · 10.6%
Current ratio
1.23▲
2024 · 1.16
Quick ratio
1.23▲
2024 · 1.16
Debt / equity
6.37▼
2024 · 8.43
ROE
305.7%▼
2024 · 496.0%
ROA
41.5%▼
2024 · 52.6%
Interest coverage
134.04▲
2024 · 106.05
Debt
€181k▼
2024 · €223k
Debt ≤ 1 year
€168k▼
2024 · €210k
Income taxes
€31k▼
2024 · €46k
Staff costs
€98k▼
2024 · €134k
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€249k€210k▼
Fixed assets21/28€6k€3k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€3k€217▼
Land and buildings22€231€72▼
Furniture and vehicles24€3k€144▼
Current assets29/58€243k€207k▼
Amounts receivable within one year40/41€109k€124k▲
Trade receivables40€109k€124k▲
Cash at bank and in hand54/58€130k€81k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€249k€210k▼
Equity10/15€26k€28k▲
Contributions10/11€19k€19k=
Reserves13€8k€10k▲
Distributable reserves133€8k€10k▲
Amounts payable17/49€223k€181k▼
Amounts payable within one year42/48€210k€168k▼
Trade debts44€33k€40k▲
Suppliers440/4€33k€40k▲
Taxes, remuneration and social security45€47k€44k▼
Taxes450/3€29k€33k▲
Remuneration and social security454/9€18k€10k▼
Other amounts payable47/48€129k€85k▼
Accrued charges and deferred income492/3€13k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€134k€98k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€757€2k▲
Gross operating margin9900€316k€222k▼
Operating profit (loss)9901€178k€118k▼
Financial income75/76B€866€682▼
Recurring financial income75€866€682▼
Financial charges65/66B€2k€909▼
Recurring financial charges65€2k€909▼
Profit (loss) for the period before taxes9903€177k€118k▼
Income taxes67/77€46k€31k▼
Profit (loss) for the period9904€131k€87k▼
Profit (loss) for the period to be appropriated9905€131k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€131k€87k▼
Transfer to equity691/2€2k€2k▲
To other reserves6921€2k€2k▲
Profit to be distributed694/7€129k€85k▼
Return on contributions (dividend)694€120k€85k▼
Employees696€9k-
Social balance
Average headcount (FTE)90872.51.8▼
The notes to these accounts (7 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
13-07
State Gazette act
General meeting · Legal-form conversion
Net-asset statement · Approval
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €131k ▲12.7%
Operating result €178k, net result €131k, both a record.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Weakest financial yearnet €34k ▼44.3%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Ham · 1 establishment unit since 2003
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.
Dorpsstraat 513945 HamGround area
480 m²
Building footprint
328 m²
Volume, LiDAR
2,389 m³
Parcel 71033B0251/00Y000, Flanders · tallest building 12.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEVENS & PARTNERS
since 20032.228.025.167
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033B0251/00Y000 | Flanders | 480 m² | 1 · 328 m² | 12.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 3,048 EUR awarded · 3,048 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 366 EUR | 366 EUR |
| 2024 | 1 | 484 EUR | 688 EUR |
| 2023 | 2 | 1,493 EUR | 1,289 EUR |
| 2022 | 1 | 705 EUR | 705 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 5,033 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2003
Fiscal year end30-06
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.