STEVENY IMMOBILIERE
ActiveSummary
STEVENY IMMOBILIERE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €263k and a net result of €43k. Equity is growing by ~18.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability83▲+3
Solvency52▲+6
Growth66▼-1
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days only on tighter terms
Liquidity short (current ratio 0.08 against 0.08 in 2023; short-term debt: 25.3% and cash: 0.2% of total assets), and 73.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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 · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-12-2025, 135 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
135 d late
2023
132 d late
2022
97 d late
2021
51 d late
2020
61 d late
2019
118 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
€199k▲ 1.0%
2023 · €197k
2018: €164k
2019: €182k
2020: €159k
2021: €174k
2022: €188k
2023: €197k
2018 → 2024
EBIT margin
41.0%▲ 1.4pp
2023 · 39.6%
2018: 34.1%
2019: 38.0%
2020: 38.6%
2021: 34.9%
2022: 37.4%
2023: 39.6%
2018 → 2024
Net result
€43k▲ 24.5%
2023 · €34k
2018: €10k
2019: €27k
2020: €15k
2021: €19k
2022: €29k
2023: €34k
2018 → 2024
Working capital
€-231k=
2023 · €-231k
2018: €-214k
2019: €-196k
2020: €-223k
2021: €-236k
2022: €-243k
2023: €-231k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€159k-€174k▲ 9.1%€188k▲ 8.1%€197k▲ 4.8%€199k▲ 1.0%
Equity€137k-€156k▲ 13.9%€186k▲ 18.7%€220k▲ 18.5%€263k▲ 19.4%
Operating result€61k-€61k▼ 1.4%€70k▲ 15.8%€78k▲ 10.9%€81k▲ 4.5%
Net result€15k-€19k▲ 23.6%€29k▲ 52.9%€34k▲ 17.4%€43k▲ 24.5%
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 4% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €988k
Fixed assets
€969k ▼ 7.6%
Current assets
€19k ▼ 5.4%
Equity and liabilities €988k
Equity
€263k ▲ 19.4%
Debt
€725k ▼ 14.5%
Debt's share of the balance-sheet total falls from 79.4% to 73.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€161k▲
2023 · €157k
Cash flow
€122k▲
2023 · €113k
Current ratio
0.08▼
2023 · 0.08
Debt to equity
2.76▼
2023 · 3.86
ROE
16.3%▲
2023 · 15.6%
ROA
4.3%▲
2023 · 3.2%
Interest coverage
6.77▲
2023 · 5.70
Debt ≤ 1 year
€250k▼
2023 · €251k
Debt > 1 year
€456k▼
2023 · €580k
Income taxes
€15k▼
2023 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.07M€988k▼
Fixed assets21/28€1.05M€969k▼
Tangible fixed assets22/27€1.05M€969k▼
Land and buildings22€1.05M€969k▼
Current assets29/58€20k€19k▼
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€17k€17k▲
Equity and liabilities
Total equity and liabilities10/49€1.07M€988k▼
Equity10/15€220k€263k▲
Contributions10/11€130k€130k=
Capital10€130k€130k=
Issued capital100€130k€130k=
Reserves13€90k€133k▲
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Distributable reserves133€77k€120k▲
Amounts payable17/49€848k€725k▼
Amounts payable after more than one year17€580k€456k▼
Financial debts170/4€580k€456k▼
Amounts payable within one year42/48€251k€250k▼
Current portion of amounts payable after more than one year42€119k€123k▲
Trade debts44€726€726=
Suppliers440/4€726€726=
Taxes, remuneration and social security45€16k€11k▼
Taxes450/3€16k€11k▼
Other amounts payable47/48€115k€115k=
Accrued charges and deferred income492/3€18k€19k▲
Income statement
Code20232024
Turnover70€197k€199k▲
Goods, raw materials, services and sundry goods60/61€20k€20k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€79k=
Other operating charges640/8€19k€18k▼
Gross operating margin9900€176k€179k▲
Operating profit (loss)9901€78k€81k▲
Financial charges65/66B€28k€24k▼
Recurring financial charges65€28k€24k▼
Profit (loss) for the period before taxes9903€50k€58k▲
Income taxes67/77€16k€15k▼
Profit (loss) for the period9904€34k€43k▲
Profit (loss) for the period to be appropriated9905€34k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€77k€43k▼
Profit (loss) brought forward from the previous period14P€43k-
Transfer to equity691/2€77k€43k▼
To other reserves6921€77k€43k▼
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
2025
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 135 days late
2024
31-12
Financial
Highest result since 2018net €43k ▲24.5%
Operating result €81k, net result €43k, both a record.
10-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 132 days late
2023
31-12
Financial
Equity above €200kEq €220k ▲18.5%
6 profitable years in a row build equity to €220k.
05-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 97 days late
2022
20-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 51 days late
2021
31-12
Financial
Equity above €150kEq €156k ▲13.9%
4 profitable years in a row build equity to €156k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 61 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 118 days late
2019
31-12
Financial
Equity above €100kEq €122k ▲28%
2 profitable years in a row build equity to €122k.
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 139 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 4 days late
2016
11-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Namur · 1 establishment unit since 2014
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.
Tienne aux Clochers(WP) 1355100 NamurGround area
5,876 m²
Building footprint
184 m²
Volume, LiDAR
1,334 m³
Parcel 92135G0268/00_000, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEVENY IMMOBILIERE
since 20142.231.820.936
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92135G0268/00_000 | Wallonia | 5,876 m² | 1 · 184 m² | 9.2 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-02-2014
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.