Stevens Transport

Active

Private limited companyfounded 20215 yrs activeGentsestraat 29, 9520 Sint-Lievens-Houtem, BelgiumKBO/BCE: BE 0769.301.753

The computed 12-month bankruptcy probability of Stevens Transport is 2.3% (moderate). The 2025 annual accounts show equity of €45k and a net result of €9k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 37% of 961 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

55 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability76▲+18

Solvency52▲+6

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity tight (current ratio 1.11 against 0.95 in 2024; short-term debt: 28.4% and cash: 0.1% of total assets), and 72.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 52

Relative position

BE, all sectors

reference

Sector 52

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

on the day

2024

on the day

2023

46 d late

2022

9 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close23-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€45k▲ 26.1%

2024 · €36k

2022: €5k 2023: €37k 2024: €36k

2022 → 2025

Total assets

€166k▼ 3.6%

2024 · €172k

2022: €50k 2023: €233k 2024: €172k

2022 → 2025

Net result

€9k

2024 · €-1k

2022: €4k 2023: €32k 2024: €-1k

2022 → 2025

Working capital

€5k

2024 · €-3k

2022: €4k 2023: €-3k 2024: €-3k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€5k-€37k▲ 588%€36k▼ 3.6%€45k▲ 26.1%

Operating result€6k-€39k▲ 564%€6k▼ 84.1%€17k▲ 175%

Net result€4k-€32k▲ 621%€-1k€9k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 175% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €166k

68.3%

31.7%

Fixed assets €113k▼ 10.2%

Current assets €53k▲ 15.7%

Equity and liabilities €166k

27.3%

72.7%

Equity €45k▲ 26.1%

Debt €121k▼ 11.4%

The debt ratio falls from 79.1% to 72.7%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€50k▲

2024 · €35k

Cash flow

€42k▲

2024 · €28k

Solvency

27.3%▲

2024 · 20.9%

Current ratio

1.11▲

2024 · 0.95

Quick ratio

1.11▲

2024 · 0.95

Debt / equity

2.66▼

2024 · 3.79

ROE

20.7%▲

2024 · -3.7%

ROA

5.7%▲

2024 · -0.8%

Interest coverage

10.69▲

2024 · 4.83

Debt

€121k▼

2024 · €136k

Debt ≤ 1 year

€47k▼

2024 · €48k

Debt > 1 year

€74k▼

2024 · €88k

Income taxes

€4k▲

2024 · €351

Staff costs

€1k▲

2024 · €324

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€172k€166k▼

Formation expenses20€934€506▼

Fixed assets21/28€126k€113k▼

Tangible fixed assets22/27€126k€113k▼

Plant, machinery and equipment23€2k€1k▼

Furniture and vehicles24€11k€27k▲

Leasing and similar rights25€112k€84k▼

Financial fixed assets28€285€285=

Current assets29/58€45k€53k▲

Amounts receivable within one year40/41€43k€52k▲

Trade receivables40€38k€39k▲

Other amounts receivable41€5k€13k▲

Cash at bank and in hand54/58€559€105▼

Deferred charges and accrued income490/1€2k€244▼

Equity and liabilities

Total equity and liabilities10/49€172k€166k▼

Equity10/15€36k€45k▲

Contributions10/11€1k€1k=

Reserves13€36k€36k=

Distributable reserves133€36k€36k=

Profit (loss) carried forward14€-1k€8k▲

Amounts payable17/49€136k€121k▼

Amounts payable after more than one year17€88k€74k▼

Financial debts170/4€88k€74k▼

Amounts payable within one year42/48€48k€47k▼

Current portion of amounts payable after more than one year42€14k€15k▲

Trade debts44€22k€17k▼

Suppliers440/4€22k€17k▼

Taxes, remuneration and social security45€3k€7k▲

Taxes450/3€3k€7k▲

Other amounts payable47/48€9k€9k=

Income statement Code20242025

Remuneration, social security and pensions62€324€1k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€33k▲

Other operating charges640/8€7k€6k▼

Non-recurring operating charges66A-€300

Gross operating margin9900€43k€58k▲

Operating profit (loss)9901€6k€17k▲

Financial income75/76B€122€526▲

Recurring financial income75€122€526▲

Financial charges65/66B€7k€5k▼

Recurring financial charges65€7k€5k▼

Profit (loss) for the period before taxes9903€-978€13k▲

Income taxes67/77€351€4k▲

Profit (loss) for the period9904€-1k€9k▲

Profit (loss) for the period to be appropriated9905€-1k€9k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-1k€8k▲

Profit (loss) brought forward from the previous period14P-€-1k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-10-2026

2025

31-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

31-03

Financial Back to profitnet €9k

Net result €9k after one loss-making year.

2024

31-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

31-03

Financial Weakest financial yearnet €-1k ▼104%

Net result drops to €-1k, the lowest in the series; recovery starts the following year.

2023

16-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 46 days late

31-03

Financial Highest result since 2022net €32k ▲621%

Operating result €39k, net result €32k, both a record.

2022

09-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 9 days late

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, Sint-Lievens-Houtem · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Gentsestraat 299520 Sint-Lievens-Houtem

Ground area

1,447 m²

Building footprint

116 m²

Volume, LiDAR

750 m³

Parcel 41080A0240/00F003, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Stevens Transport

Gentsestraat 29, 9520 Sint-Lievens-HoutemSupport activities for crop production

since 20212.317.781.643

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41080A0240/00F003	Flanders	1,447 m²	1 · 116 m²	9.9 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.

Similar companies · same sector, comparable size

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BE 0803.599.072

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Sint-Genesius-Rode · Eq €45k

JAFRA

BE 0417.840.762

Sint-Pieters-Leeuw · Eq €45k

FA-WAY

BE 0454.701.356

Manage · Eq €46k

Of 1,725 companies in sector 52210 we hold annual accounts for 771. 523 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-06-2021

Fiscal year end31-03

Activities, NACEBEL

52210Service activities incidental to land transportation

01610Support activities for crop production

52250Logistics services

52290Warehousing and support activities for transportation

53200Other postal and courier activities

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.