STEVENSOFT
ActiveSummary
STEVENSOFT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94,085 and a net result of -€4,370. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 56% of 4188 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability60▲+2
Solvency66▲+1
Growth59=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.36 in 2024; short-term debt: 27.2% and cash: 7.3% of total assets), and 58.5% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
41.5%
Return on assets
-1.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€4,370
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 10 filingsDeviation from the deadline
2025
12 d late
2024
7 d early
2023
8 d late
2022
30 d late
2021
3 d late
2020
53 d late
2019
19 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 17 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€392,068▼ 4.5%
2024 · €410,662
EBIT margin
-0.1%▲ 0.6pp
2024 · -0.7%
Net result
-€4,370▲ 36.4%
2024 · -€6,870
Working capital
€28,483▲ 30.1%
2024 · €21,895
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€731,829▲ 3.4%€619,474▼ 15.4%€470,933▼ 24.0%€410,662▼ 12.8%€392,068▼ 4.5%
Operating result€29,085▼ 44.9%€2,630▼ 91.0%€17,495▲ 565%-€2,971-€507▲ 82.9%
Net result€18,645▼ 51.8%-€3,086€8,875-€6,870-€4,370▲ 36.4%
EBIT margin4.0%▼ 3.5pp0.4%▼ 3.5pp3.7%▲ 3.3pp-0.7%▼ 4.4pp-0.1%▲ 0.6pp
Equity€99,535▲ 23.0%€96,449▼ 3.1%€105,325▲ 9.2%€98,455▼ 6.5%€94,085▼ 4.4%
Total assets€376,166▲ 12.2%€327,131▼ 13.0%€290,476▼ 11.2%€246,951▼ 15.0%€226,912▼ 8.1%
Debt€276,631▲ 8.8%€230,682▼ 16.6%€185,151▼ 19.7%€148,496▼ 19.8%€132,827▼ 10.6%
Working capital€23,033▼ 13.5%€19,575▼ 15.0%€32,245▲ 64.7%€21,895▼ 32.1%€28,483▲ 30.1%
Staff (FTE)3.8
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €507 in 2025 against €2,971 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €226,912
Fixed assets
€136,728 ▼ 16.6%
Current assets
€90,184 ▲ 8.5%
Equity and liabilities €226,912
Equity
€94,085 ▼ 4.4%
Debt
€132,827 ▼ 10.6%
Debt's share of the balance-sheet total falls from 60.1% to 58.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€26,611▲
2024 · €24,009
Cash flow
€22,748▲
2024 · €20,110
Current ratio
1.46▲
2024 · 1.36
Quick ratio
1.04▲
2024 · 0.94
Debt to equity
1.41▼
2024 · 1.51
ROE
-4.6%▲
2024 · -7.0%
ROA
-1.9%▲
2024 · -2.8%
Interest coverage
11.23▲
2024 · 8.57
Debt ≤ 1 year
€61,701▲
2024 · €61,210
Debt > 1 year
€71,126▼
2024 · €87,286
Income taxes
€1,607▲
2024 · €1,149
Staff costs
€58,032▼
2024 · €81,123
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €731,829 | €619,474 | €470,933 | €410,662 | €392,068 | ▼ 4.5% |
| Non-recurring operating income76A | €455 | €455 | - | - | €3 | - |
| Goods, raw materials, services and sundry goods60/61 | €475,706 | €386,959 | €329,209 | €303,016 | €304,415 | ▲ 0.5% |
| Remuneration, social security and pensions62 | €200,215 | €200,849 | €95,291 | €81,123 | €58,032 | ▼ 28.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,638 | €26,219 | €26,284 | €26,980 | €27,118 | ▲ 0.5% |
| Other operating charges640/8 | €4,162 | €2,817 | €2,654 | €2,511 | €2,635 | ▲ 4.9% |
| Non-recurring operating charges66A | €23 | - | - | €3 | €375 | ▲ 12,400% |
| Gross operating margin9900 | €256,123 | €232,515 | €141,724 | €107,646 | €87,653 | ▼ 18.6% |
| Operating profit (loss)9901 | €29,085 | €2,630 | €17,495 | -€2,971 | -€507 | ▲ 82.9% |
| Financial income75/76B | - | €4 | €3 | €51 | €114 | ▲ 124% |
| Recurring financial income75 | - | €4 | €3 | €51 | €114 | ▲ 124% |
| Financial charges65/66B | €4,108 | €3,742 | €3,208 | €2,801 | €2,370 | ▼ 15.4% |
| Recurring financial charges65 | €4,108 | €3,742 | €3,208 | €2,801 | €2,370 | ▼ 15.4% |
| Profit (loss) for the period before taxes9903 | €24,977 | -€1,108 | €14,290 | -€5,721 | -€2,763 | ▲ 51.7% |
| Income taxes67/77 | €6,332 | €1,978 | €5,415 | €1,149 | €1,607 | ▲ 39.9% |
| Profit (loss) for the period9904 | €18,645 | -€3,086 | €8,875 | -€6,870 | -€4,370 | ▲ 36.4% |
| Profit (loss) for the period to be appropriated9905 | €18,645 | -€3,086 | €8,875 | -€6,870 | -€4,370 | ▲ 36.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €376,166 | €327,131 | €290,476 | €246,951 | €226,912 | ▼ 8.1% |
| Fixed assets21/28 | €240,065 | €213,845 | €188,708 | €163,846 | €136,728 | ▼ 16.6% |
| Tangible fixed assets22/27 | €240,015 | €213,795 | €188,658 | €163,796 | €136,678 | ▼ 16.6% |
| Land and buildings22 | €193,843 | €178,260 | €162,678 | €147,110 | €131,571 | ▼ 10.6% |
| Plant, machinery and equipment23 | €2,798 | €2,062 | €2,408 | - | - | - |
| Furniture and vehicles24 | €43,374 | €33,473 | €23,572 | €16,686 | €5,107 | ▼ 69.4% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €136,101 | €113,286 | €101,768 | €83,105 | €90,184 | ▲ 8.5% |
| Stocks and contracts in progress3 | €39,723 | €27,242 | €29,951 | €25,635 | €26,175 | ▲ 2.1% |
| Stocks30/36 | €39,723 | €27,242 | €29,951 | €25,635 | €26,175 | ▲ 2.1% |
| Amounts receivable within one year40/41 | €56,241 | €43,408 | €33,293 | €37,194 | €45,892 | ▲ 23.4% |
| Trade receivables40 | €55,763 | €42,930 | €32,816 | €36,717 | €45,337 | ▲ 23.5% |
| Other amounts receivable41 | €478 | €478 | €477 | €477 | €555 | ▲ 16.4% |
| Cash at bank and in hand54/58 | €38,852 | €41,276 | €37,170 | €18,725 | €16,454 | ▼ 12.1% |
| Deferred charges and accrued income490/1 | €1,285 | €1,360 | €1,354 | €1,551 | €1,663 | ▲ 7.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €376,166 | €327,131 | €290,476 | €246,951 | €226,912 | ▼ 8.1% |
| Equity10/15 | €99,535 | €96,449 | €105,325 | €98,455 | €94,085 | ▼ 4.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €79,247 | €79,247 | €86,248 | €86,248 | €86,248 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | €19,387 | €19,387 | €19,388 | €19,388 | €19,388 | = |
| Distributable reserves133 | €58,000 | €58,000 | €65,000 | €65,000 | €65,000 | = |
| Profit (loss) carried forward14 | €1,688 | -€1,398 | €477 | -€6,393 | -€10,763 | ▼ 68.4% |
| Amounts payable17/49 | €276,631 | €230,682 | €185,151 | €148,496 | €132,827 | ▼ 10.6% |
| Amounts payable after more than one year17 | €163,563 | €136,675 | €109,271 | €87,286 | €71,126 | ▼ 18.5% |
| Financial debts170/4 | €163,563 | €136,675 | €109,271 | €87,286 | €71,126 | ▼ 18.5% |
| Amounts payable within one year42/48 | €113,068 | €93,711 | €69,523 | €61,210 | €61,701 | ▲ 0.8% |
| Current portion of amounts payable after more than one year42 | - | - | €27,404 | €21,985 | €16,160 | ▼ 26.5% |
| Financial debts43 | €26,383 | €26,888 | - | - | - | - |
| Other loans439 | €26,383 | €26,888 | - | - | - | - |
| Trade debts44 | €39,285 | €23,002 | €24,423 | €27,687 | €25,824 | ▼ 6.7% |
| Suppliers440/4 | €39,285 | €23,002 | €24,423 | €27,687 | €25,824 | ▼ 6.7% |
| Taxes, remuneration and social security45 | €36,503 | €34,096 | €17,696 | €8,420 | €17,224 | ▲ 105% |
| Taxes450/3 | €12,014 | €13,248 | €9,246 | €3,322 | €5,984 | ▲ 80.1% |
| Remuneration and social security454/9 | €24,489 | €20,848 | €8,450 | €5,098 | €11,240 | ▲ 120% |
| Other amounts payable47/48 | €10,897 | €9,725 | - | €3,118 | €2,493 | ▼ 20.0% |
| Accrued charges and deferred income492/3 | - | €296 | €6,357 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,645 | -€3,086 | €8,875 | -€6,870 | -€4,370 | ▲ 36.4% |
| + Depreciation and write-downs630 | €22,638 | €26,219 | €26,284 | €26,980 | €27,118 | ▲ 0.5% |
| Operating cash flow (approximation) | €41,283 | €23,133 | €35,159 | €20,110 | €22,748 | ▲ 13.1% |
| Investment in fixed assets (approximation) | - | €1 | -€1,147 | -€2,118 | €0 | ▲ 100% |
| Change in cash | - | €2,424 | -€4,106 | -€18,445 | -€2,271 | ▲ 87.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 12 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 8 days late
2023
31-12
Financial
Back to profitnet €8,875
Net result €8,875 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €105,325 ▲9.2%
Equity rises from €96,449 to €105,325.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 3 days late
2021
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 53 days late
2020
31-12
Financial
Highest result since 2018net €38,674 ▲1,494%
Operating result €52,802, net result €38,674, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
31-12
Financial
Back to profitnet €2,426
Net result €2,426 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 6 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Chimay · 1 establishment unit since 2000
Ground area
2,198 m²
Building footprint
266 m²
Volume, LiDAR
876 m³
2 parcels, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Sainte-Geneviève(CH) 10C, 6460 Chimay
since 20002.096.489.902
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56067B0097/00W000 | Wallonia | 1,258 m² | 1 · 139 m² | 9.5 m · 2 fl. |
| 56016C0034/00H002 | Wallonia | 940 m² | 1 · 127 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,223 companies in sector 47400 we hold annual accounts for 1,806. 1,454 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-03-2000
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
58290Other software publishing
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.