Stevens Retail
ActiveThe computed 12-month bankruptcy probability of Stevens Retail is 6.8% (elevated). The 2025 annual accounts show equity of €218k and a net result of €156k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 10206 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency15▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
6.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.77 in 2024), and 92% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
8%
Return on assets
5.7%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 10206 sector peers (2025).
NBB · sector comparisonPosition among 10206 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-09-2026, 36 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 · 5 filingsDeviation from the deadline
2025
36 d late
2024
29 d late
2023
61 d late
2022
29 d late
2021
73 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€218k▲ 251%
2024 · €62k
2021: €-42k
2022: €-155k
2023: €-80k
2024: €62k
2021 → 2025
Total assets
€2.74M▲ 25.6%
2024 · €2.18M
2021: €952k
2022: €1.31M
2023: €1.60M
2024: €2.18M
2021 → 2025
Net result
€156k▲ 9.7%
2024 · €142k
2021: €-45k
2022: €-114k
2023: €76k
2024: €142k
2021 → 2025
Working capital
€-129k▲ 71.6%
2024 · €-455k
2021: €-64k
2022: €-214k
2023: €-180k
2024: €-455k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-42k-€-155k▼ 273%€-80k▲ 48.6%€62k€218k▲ 251%
Operating result€-22k-€-97k▼ 337%€104k€209k▲ 101%€265k▲ 26.9%
Net result€-45k-€-114k▼ 155%€76k€142k▲ 88.0%€156k▲ 9.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 27% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.74M
Fixed assets
€726k▲ 15.9%
Current assets
€2.01M▲ 29.5%
Equity and liabilities €2.74M
Equity
€218k▲ 251%
Debt
€2.52M▲ 19.0%
The debt ratio falls from 97.2% to 92.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€348k▲
2024 · €228k
Cash flow
€238k▲
2024 · €161k
Solvency
8.0%▲
2024 · 2.8%
Current ratio
0.94▲
2024 · 0.77
Quick ratio
0.30▲
2024 · 0.29
Debt / equity
11.57▼
2024 · 34.10
ROE
71.5%▼
2024 · 228.7%
ROA
5.7%▼
2024 · 6.5%
Interest coverage
10.62▲
2024 · 9.62
Debt
€2.52M▲
2024 · €2.12M
Debt ≤ 1 year
€2.14M▲
2024 · €2.01M
Debt > 1 year
€283k▲
2024 · €60k
Income taxes
€90k▲
2024 · €43k
Staff costs
€2.93M▲
2024 · €2.25M
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€2.18M€2.74M▲
Fixed assets21/28€626k€726k▲
Tangible fixed assets22/27€508k€608k▲
Plant, machinery and equipment23€508k€608k▲
Financial fixed assets28€119k€119k=
Current assets29/58€1.55M€2.01M▲
Amounts receivable after more than one year29€175k€373k▲
Other amounts receivable291€175k€373k▲
Stocks and contracts in progress3€976k€1.37M▲
Stocks30/36€976k€1.37M▲
Amounts receivable within one year40/41€207k€181k▼
Trade receivables40€136k€118k▼
Other amounts receivable41€71k€63k▼
Cash at bank and in hand54/58€152k€60k▼
Deferred charges and accrued income490/1€43k€26k▼
Equity and liabilities
Total equity and liabilities10/49€2.18M€2.74M▲
Equity10/15€62k€218k▲
Contributions10/11€3k€3k=
Reserves13-€156k
Distributable reserves133-€156k
Profit (loss) carried forward14€59k€59k=
Amounts payable17/49€2.12M€2.52M▲
Amounts payable after more than one year17€60k€283k▲
Financial debts170/4€60k€283k▲
Amounts payable within one year42/48€2.01M€2.14M▲
Current portion of amounts payable after more than one year42€187k€76k▼
Financial debts43-€231k
Other loans439-€231k
Trade debts44€1.62M€1.58M▼
Suppliers440/4€1.62M€1.58M▼
Taxes, remuneration and social security45€197k€251k▲
Taxes450/3€10k€12k▲
Remuneration and social security454/9€187k€240k▲
Accrued charges and deferred income492/3€50k€97k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2.25M€2.93M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€83k▲
Other operating charges640/8€8k€16k▲
Non-recurring operating charges66A€24k€3k▼
Gross operating margin9900€2.51M€3.30M▲
Operating profit (loss)9901€209k€265k▲
Financial income75/76B-€13k
Recurring financial income75-€13k
Financial charges65/66B€24k€33k▲
Recurring financial charges65€24k€33k▲
Profit (loss) for the period before taxes9903€185k€245k▲
Income taxes67/77€43k€90k▲
Profit (loss) for the period9904€142k€156k▲
Profit (loss) for the period to be appropriated9905€142k€156k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€215k▲
Profit (loss) brought forward from the previous period14P€-83k€59k▲
Transfer to equity691/2-€156k
To other reserves6921-€156k
Social balance
Average headcount (FTE)908760.371.5▲
The notes to these accounts (11 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
05-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 36 days late
2025
31-12
Financial
Highest result since 2021net €156k ▲9.7%
Operating result €265k, net result €156k, both a record.
31-12
Financial
Equity above €200kEq €218k ▲251%
3 profitable years in a row build equity to €218k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Back to profitnet €76k
Net result €76k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €-114k
Net result drops to €-114k, the lowest in the series; recovery starts the following year.
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 73 days late
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, Schoten · 16 establishment units since 2020
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.
Hertendreef 302900 SchotenGround area
3.8 ha
Building footprint
9,575 m²
Volume, LiDAR
48,804 m³
17 parcels, Flanders · tallest building 15.8 m, ±3 floors. Linked by address, not a title deed.
16 establishment units
Total Erpe-Mere
since 20202.304.675.854
COMME CHEZ NOUS AALST
since 20202.309.777.856
COMME CHEZ NOUS ESSEN
since 20212.312.052.804
COMME CHEZ NOUS DILBEEK
since 20212.314.645.474
COMME CHEZ NOUS MERELBEKE
since 20212.314.645.276
COMME CHEZ NOUS WAARSCHOOT
since 20212.317.184.005
Show 10 more locations
COMME CHEZ NOUS Tienen
since 20212.319.929.796
COMME CHEZ NOUS ZELZATE
since 20212.323.592.834
Comme Chez Nous Wevelgem 2
since 20222.328.582.196
Comme Chez Nous Schoten
since 20222.329.300.590
Comme Chez Nous Schoten Delicatesse
since 20222.329.462.918
Comme Chez Nous Oostrozebeke
since 20222.330.641.962
Comme Chez Nous Ichtegem (2)
since 20222.333.334.901
COMME CHEZ NOUS SINT-PIETERS-LEEUW
since 20222.333.956.293
COMME CHEZ NOUS DENDERLEEUW
since 20242.366.093.680
COMME CHEZ NOUS WINGENE
since 20252.371.456.790
17 parcels
Flanders
17
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040A0085/00M009 | Flanders | 8,989 m² | 1 · 617 m² | 9.7 m · 2 fl. |
| 41402B0420/00M000 | Flanders | 7,541 m² | 1 · 4,074 m² | 15.8 m · 2 fl. |
| 23582E0287/00C000 | Flanders | 5,835 m² | 1 · 2,675 m² | 7.0 m · 2 fl. |
| 41302C0390/00A003 | Flanders | 2,425 m² | 1 · 178 m² | 5.3 m · 1 fl. |
| 35006D0593/00L002 | Flanders | 2,218 m² | 1 · 126 m² | 5.0 m · 1 fl. |
| 37010E0367/00S002 | Flanders | 2,181 m² | 1 · 291 m² | 9.3 m · 2 fl. |
| 34041C0295/00C002 | Flanders | 2,102 m² | 1 · 94 m² | 5.3 m · 1 fl. |
| 44412C0235/00L002 | Flanders | 1,480 m² | 1 · 166 m² | 9.1 m · 2 fl. |
| 11040A0002/00E034 | Flanders | 1,016 m² | 1 · 184 m² | 8.5 m · 1 fl. |
| 23016D0091/00M000 | Flanders | 880 m² | 1 · 156 m² | 5.2 m · 1 fl. |
| 41040A0915/00H000 | Flanders | 771 m² | 1 · 105 m² | 5.4 m · 1 fl. |
| 43302C0297/00Y003 | Flanders | 736 m² | 1 · 225 m² | 8.0 m · 1 fl. |
| 11442C0139/00W006 | Flanders | 618 m² | 1 · 148 m² | 5.6 m · 1 fl. |
| 44072E0021/00G002 | Flanders | 616 m² | 1 · 90 m² | 7.6 m · 1 fl. |
| 11642C0111/00G000 | Flanders | 439 m² | 1 · 161 m² | 4.4 m · 1 fl. |
| 37018F1167/00C006 | Flanders | 170 m² | 1 · 216 m² | 8.3 m · 2 fl. |
| 24594C0295/00P000indicative | Flanders | 87 m² | 1 · 70 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 16
16 of 17 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 · 2 entries · 2,440 EUR awarded · 2,440 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 640 EUR | 640 EUR |
| 2022 | 1 | 1,800 EUR | 1,800 EUR |
Schemes
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
15 sitesAalst2.309.777.856
Denderleeuw2.366.093.680
Dilbeek2.314.645.474
Erpe-Mere2.304.675.854
Show 11 more sites
Essen2.312.052.804
Ichtegem2.333.334.901
Lievegem2.317.184.005
Merelbeke-Melle2.314.645.276
Oostrozebeke2.330.641.962
Schoten2.329.300.590
Sint-Pieters-Leeuw2.333.956.293
Wevelgem2.328.582.196
Wingene2.371.456.790
Zelzate2.323.592.834
Tienen2.319.929.796
Similar companies · same sector, comparable size
COURSE EXPRESS
BE 0679.983.955
Charleroi · Eq €218k
INFRA
BE 0669.894.272
Oudenaarde · Eq €218k
S H SAHAR
BE 0876.177.343
Elsene · Eq €218k
QUALITY FOOD STORE
BE 0665.767.814
Charleroi · Eq €217k
NOISEUX DELIFRAIS
BE 0465.195.766
Somme-Leuze · Eq €217k
Of 10,411 companies in sector 47110 we hold annual accounts for 5,786. 4,102 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2020
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47300Retail sale of automotive fuel
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:amber.imbert@ccngroup.be
Phone:037070925