STEVENS SOLUTIONS
ActiveThe computed 12-month bankruptcy probability of STEVENS SOLUTIONS is 2.6% (moderate). The 2024 annual accounts show negative equity (€-37k) and a net result of €-11k. Equity is shrinking by ~90.3% per year across the filed fiscal years. Its solvency ranks better than 7% of 8968 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
20
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.52 against 0.46 in 2023; short-term debt: 179.4% and cash: 6.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-79.4%
Return on assets
-22.4%
Age of the figures
21 mo
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year €-37k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
22 d late
2023
13 d early
2022
33 d early
2021
18 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-37k▼ 39.4%
2023 · €-27k
2021: €9k
2022: €-8k
2023: €-27k
2021 → 2024
Total assets
€47k▲ 32.9%
2023 · €35k
2021: €64k
2022: €40k
2023: €35k
2021 → 2024
Net result
€-11k▲ 44.7%
2023 · €-19k
2021: €6k
2022: €-17k
2023: €-19k
2021 → 2024
Working capital
€-40k▼ 20.8%
2023 · €-33k
2021: €-3k
2022: €-15k
2023: €-33k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€9k-€-8k€-27k▼ 247%€-37k▼ 39.4%
Operating result€11k-€-14k€-15k▼ 7.9%€-6k▲ 59.9%
Net result€6k-€-17k€-19k▼ 11.5%€-11k▲ 44.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2024 against €15k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €47k
Fixed assets
€3k▼ 54.7%
Current assets
€44k▲ 53.0%
Key figures and ratios
EBITDA
€-3k▲
2023 · €-12k
Cash flow
€-7k▲
2023 · €-16k
Solvency
-79.4%▼
2023 · -75.7%
Current ratio
0.52▲
2023 · 0.46
Quick ratio
0.46▲
2023 · 0.37
Debt / equity
-2.26▲
2023 · -2.32
ROA
-22.4%▲
2023 · -53.9%
Interest coverage
-0.59▲
2023 · -3.27
Debt
€84k▲
2023 · €62k
Debt ≤ 1 year
€84k▲
2023 · €62k
Income taxes
€170▲
2023 · €166
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€35k€47k▲
Fixed assets21/28€7k€3k▼
Tangible fixed assets22/27€7k€3k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€5k€1k▼
Current assets29/58€29k€44k▲
Stocks and contracts in progress3€6k€5k▼
Stocks30/36€6k€5k▼
Amounts receivable within one year40/41€23k€36k▲
Trade receivables40€22k€34k▲
Other amounts receivable41€961€2k▲
Cash at bank and in hand54/58-€3k
Deferred charges and accrued income490/1€219€215▼
Equity and liabilities
Total equity and liabilities10/49€35k€47k▲
Equity10/15€-27k€-37k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-30k€-40k▼
Amounts payable17/49€62k€84k▲
Amounts payable within one year42/48€62k€84k▲
Financial debts43€22k€25k▲
Credit institutions430/8€22k€25k▲
Trade debts44€34k€54k▲
Suppliers440/4€34k€54k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€3k€945▼
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€2k€3k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€384€387▲
Gross operating margin9900€-11k€-2k▲
Operating profit (loss)9901€-15k€-6k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€-19k€-10k▲
Income taxes67/77€166€170▲
Profit (loss) for the period9904€-19k€-11k▲
Profit (loss) for the period to be appropriated9905€-19k€-11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-40k▼
Profit (loss) brought forward from the previous period14P€-11k€-30k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Merchtem · 1 establishment unit 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.
Brusselsesteenweg 3601785 MerchtemGround area
544 m²
Building footprint
114 m²
Volume, LiDAR
619 m³
Parcel 23012H0326/00N000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEVENS SOLUTIONS
since 20202.303.640.627
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23012H0326/00N000 | Flanders | 544 m² | 1 · 114 m² | 8.6 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.
Similar companies · same sector, comparable size
Roosens Advice and Expertise
BE 0801.776.363
Anderlecht · Eq €9k
BRINGVALUE
BE 0630.798.918
Ecaussinnes · Eq €9k
EF Pharma
BE 0588.990.037
Zaventem · Eq €9k
ALEXANDER ROARK
BE 0679.586.552
Edegem · Eq €9k
B.E. Management
BE 1002.393.050
Edegem · Eq €9k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 3,588 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2020
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.